1309 3RD STREET CIRCLE E, Palmetto, FL, 34221 | $644,000

Under contract-accepting backup offers. Nestled within the exclusive gated enclave of Riviera Dunes, this beautifully renovated end-unit townhome boasts a chef-inspired kitchen outfitted with top-of-the-line, new appliances under manufacturer warranty and custom cabinetry offering generous storage space. The bathrooms have been beautifully remodeled, including a spa-like master bath, and the home boasts new flooring throughout. Private screened balconies on every level offer breathtaking panoramic views of the Manatee River, green space and protected mangrove sanctuary. With over 2, 800 square feet of living space, this townhome provides an exceptional lifestyle. The main floor features an open floor plan with the chef's kitchen, a spacious living and dining area, a bedroom/office, a full bath, and a large, screened balcony with a new built-in Alfresco natural gas grill. The top floor includes the amazing master suite with private screened balcony, an additional bedroom with en suite bath, and the laundry room for ultimate convenience. The ground floor offers a versatile mother-in-law suite or flex space with a full bath, walk-in closet an oversized bonus room plumbed for a wet bar, and a patio. Connecting all floors is a private elevator that makes this townhome ultimately accessible for everyone. Spectrum high-speed internet is included for the perfect work from home convenience, along with many other amenities as part of the HOA. For enhanced security, the townhome is powered by a natural-gas-powered Generac generator that automatically activates during power outages. ADT security monitoring, and fire sprinklers. The Hammocks HOA provides comprehensive services, including exterior hazard and FEMA flood insurance, cable, high-speed internet, exterior maintenance, roof maintenance, landscaping, termite bond, and property management. This vibrant community offers outstanding amenities, including multiple marina docks, two sparkling swimming pools, a well-equipped fitness center and clubhouse perfect for private gatherings, tennis and pickleball courts, and a scenic nature walk. The Riviera Dunes Marina, situated within the community, provides easy and quick access to Tampa Bay and the Gulf of Mexico, ensuring easy access to recreational boating opportunities with no lifts to navigate. Also, known as a Safe Harbor , considered the #1 rated hurricane harbor on the west coast of Florida. Convenient location provides easy access to Sarasota, Bradenton, Tampa, and major airports.
Private boat slip #26 at Northshore is ideally situated and features a 13, 000-pound boat lift, an oversized dock box, and a brand-new Gem remote control for effortless launching and docking. This slip may be available for separate purchase (not included in the home's list price).

Features

  • Rooms: 12
  • Bedrooms: 4
  • Baths: 4 full
  • Laundry: Inside, Laundry Room, Upper Level
  • Year Built: 2005
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,848
  • Acreage: 0.05
  • Est. Taxes: $8,418
  • HOA Fee: $2,678 Quarterly
  • Lot Desc: In County, Landscaped, Near Marina, Near Public Transit
  • View: Water
  • Elem. School: James Tillman Elementary
  • Middle School: Lincoln Middle
  • High School: Palmetto High
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: A4667569
  • Days on Market: 132 days
  • Website: https://www.raveis.com
    /prop/A4667569/13093rdstreetcirclee_palmetto_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/29/2026 4:09:10 AM)
Listing courtesy of Coldwell Banker Realty   Phone: 941-388-3966

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

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1309 3RD STREET CIRCLE E, Palmetto, FL, 34221

$644,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $515,200 $515,200 $515,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.507% 6.649% 6.026%
Monthly Tax Payment $702 $702 $702
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,172 $3,253 $4,278
Total Monthly Payment $3,966 $4,047 $5,072

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.