140 RIVIERA DUNES WAY UNIT 503, PALMETTO, FL, 34221
Active79 days on marketListed Aug 20, 2026MLS #TB8538077
About this home
140 RIVIERA DUNES WAY UNIT 503
PRICE IMPROVEMENT! WATERFRONT LUXURY AT BEL MARE AT RIVIERA DUNES. Experience elevated Florida living in this beautifully appointed 2-bedroom, 2-bath CORNER RESIDENCE offering 1,978 SQ. FT. of living space plus a spacious 230 SQ. FT. WATERFRONT BALCONY with sweeping MARINA AND WATER VIEWS. Your arrival begins with a PRIVATE ELEVATOR FOYER, creating an impressive sense of privacy and distinction. Inside, the desirable corner location provides abundant natural light, multiple exposures and beautiful views throughout the residence. The kitchen is designed for both everyday living and entertaining, featuring UPDATED QUARTZ COUNTERTOPS, professionally refinished SOLID-WOOD CABINETRY and an exceptional collection of PREMIUM APPLIANCES, including a WOLF COOKTOP, WOLF WALL OVEN, WOLF CONVECTION MICROWAVE, BOSCH REFRIGERATOR and KITCHENAID DISHWASHER. Quartz countertops continue into the laundry area for a polished, cohesive finish. Generous living and dining spaces flow naturally toward the waterfront balcony, creating an inviting indoor-outdoor connection. Enjoy morning coffee overlooking the marina, watch the boats throughout the day, or relax as the Florida sky transforms at sunset. Additional features include ONE UNDER-BUILDING PARKING SPACE and a CLIMATE-CONTROLLED STORAGE AREA, adding valuable convenience to this lock-and-leave lifestyle. BEL MARE AT RIVIERA DUNES offers an impressive collection of RESORT-STYLE AMENITIES, including heated pools and spas, fitness facilities, pickleball, 9-hole putting green, billiards, movie theater, social and gathering spaces, guest suites, outdoor pavilion and grilling areas. Residents also enjoy the waterfront setting of RIVIERA DUNES MARINA and access to the BEACH CLUB. Ideally located near waterfront dining, shopping, boating and entertainment, with convenient access to ANNA MARIA ISLAND, GULF BEACHES, DOWNTOWN BRADENTON, SARASOTA, ST. PETERSBURG AND TAMPA. Sarasota-Bradenton International, St. Pete-Clearwater International and Tampa International airports provide convenient travel options. PRIVATE ELEVATOR FOYER. CORNER RESIDENCE. PREMIUM WOLF APPLIANCES. EXPANSIVE WATERFRONT BALCONY. UNDER-BUILDING PARKING. CLIMATE-CONTROLLED STORAGE. RESORT-STYLE AMENITIES. Discover a front-row seat to the Florida waterfront lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,978
Sqft
1.38 ac
Lot size
1
Garage
2007
Year built
One
Levels
$339
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$6,865 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,865/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+32.7%
$/sqft vs Palmetto actives
$339 vs $200
Days on market
79 vs 73 typical
Where $339/sqft sits among the 400 Palmetto actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palmetto
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
PALMETTO 34221 — neighborhood snapshot
Population
56,208
Median age
45.5
Median income
$77,712
Median home value
$338,600
Avg household
2.6
Households w/ children
4,828
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$375K → $390K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
255 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 84% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 140 RIVIERA DUNES WAY UNIT 503
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$550,000
140 RIVIERA DUNES WAY UNIT 404 · same community
2 bd · 2 ba · 1,978 sqft · $278/sqft · 29 DOM
Sold · Jun ’26$499,000
140 RIVIERA DUNES WAY UNIT 605 · same community
2 bd · 2.5 ba · 2,051 sqft · $243/sqft · 124 DOM
Sold · Jun ’26$1,200,000
140 RIVIERA DUNES WAY UNIT 1001 · same community
3 bd · 3.5 ba · 2,930 sqft · $410/sqft · 94 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 140 RIVIERA DUNES WAY UNIT 503 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 140 RIVIERA DUNES WAY UNIT 503 — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
140 RIVIERA DUNES WAY UNIT 503 FAQs
What would the monthly payment be for 140 RIVIERA DUNES WAY UNIT 503?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,865/mo — principal and interest, the actual property-tax bill, the $1,717/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 140 RIVIERA DUNES WAY UNIT 503?+
The association fee works out to $1,717 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 140 RIVIERA DUNES WAY UNIT 503?+
The most recent tax bill on record (2025) was $6,243. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 140 RIVIERA DUNES WAY UNIT 503?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palmetto?+
At $670,000, this home is listed about 68% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 140 RIVIERA DUNES WAY UNIT 503?+
Virgil Mills Elementary School (elementary), Buffalo Creek Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$670,000 runs 84% above the PALMETTO 34221 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,717/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $689,000, now $670,000 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Angel Wilkinson. MLS #TB8538077.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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