Gianfranco Di Flumeri Petrelli
$329,000$375,0004 bd3.5 ba2,604 sqft$126 /sqft$3,213 /mo all-in ↓

3206 10TH LN W, PALMETTO, FL, 34221

Active62 days on marketListed Jun 10, 2026MLS #A4696631

Priced 12% below the PALMETTO 34221 medianReduced $46KTownhouseRIVERBAY TOWNHOMES AT TERRA CIERA BAY

About this home

3206 10TH LN W

WATERFRONT LIVING WITH A PRIVATE ELEVATOR, DEEDED BOAT SLIP, AND ENDLESS POTENTIAL! Welcome to 3206 10th Lane W in Palmetto, where boating enthusiasts, seasonal residents, and full-time homeowners alike will appreciate the rare combination of space, location, and opportunity. Offering over 2,600 square feet, 4 bedrooms, 3.5 bathrooms, a private elevator, and deeded access to your own boat slip, complete with a 20,000-pound lift, BRAND NEW AC with a 10-year transferable warranty, this residence is a blank canvas ready for your personal vision. The versatile first level features a spacious bedroom with an ensuite full bathroom, creating the ideal setup for a private guest suite, multigenerational living arrangement, second primary bedroom, home office, or bonus retreat. Ride your private elevator or take the stairs to the main living level, where the heart of the home unfolds. The open-concept living and dining spaces are enhanced by peaceful preserve views, creating a private and tranquil backdrop. A charming bump-out off the family room offers the perfect space for a home office, reading nook, or creative workspace. The kitchen features granite countertops, wood cabinetry, generous prep space, and an additional gathering area perfect for entertaining family and friends. A convenient half bath completes the level. The upper floor offers three additional bedrooms, including the primary suite, which enjoys northwest-facing views of Florida's lush natural landscape and colorful sunset skies as well as views of the Skyway Bridge and Terra Ceia Bay. The remaining two bedrooms share a full bathroom, and a conveniently located laundry room provides everyday comfort and functionality. Outside, enjoy unobstructed preserve views with no rear neighbors, creating a sense of privacy rarely found in townhome living. For boaters, the real highlight awaits at your gated dock, where your deeded slip and 20,000-pound lift provide direct access to the Intracoastal Waterway, Tampa Bay, and the Gulf of America for endless days on the water. Perfectly positioned near the shores of Snead Island, this exceptional location places you at the gateway to Florida's Gulf Coast lifestyle. Enjoy easy access to downtown Bradenton, downtown Sarasota, St. Petersburg, and Tampa, offering endless options for waterfront dining, arts, entertainment, shopping, and professional sports. Multiple airports, including Sarasota-Bradenton International Airport and Tampa International Airport, make travel effortless for both full-time and seasonal residents. Whether you're heading to the beaches of Anna Maria Island, exploring the vibrant Riverwalk districts, spending the day boating on the Intracoastal Waterway, or enjoying a weekend in St. Pete or Tampa, you'll appreciate the convenience of being centrally located to some of the region's most desirable destinations. Whether you're searching for a primary residence, seasonal retreat, or investment opportunity, 3206 10th Lane W delivers the rare chance to create your dream waterfront lifestyle while building equity through your own personal touches.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,604

Sqft

0.05 ac

Lot size

2

Garage

2005

Year built

Three Or More

Levels

$126

Per sqft

Trees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Other · Range · Refrigerator
InteriorCentral Vacuum · Crown Molding · Elevator · High Ceilings · Solid Surface Counters · Stone Counters · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods · Water
FacesSoutheast
ParkingGarage Door Opener · Guest
ExteriorBalcony · Lighting · Rain Gutters · Sliding Doors · Storage

Community & fees

HOA fee$426/mo
Taxes (2025)$6,535/yr
PetsYes
CommunityFishing · Deed Restrictions · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected
WaterPublic

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.

$3,213 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,937
FHA mortgage insurance (est.)$146
Property tax — 2025 actual bill$545
HOA fee — from the listing$426
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,515Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,515
Interest rate6.00%
Loan term

Estimated payment

$3,213/mo

Principal & interest$1,937
FHA mortgage insurance (est.)$146
Property taxes (actual bill)$545
HOA / condo fee$426
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

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.

List $329K
$309KedgeAI estimate $324,494 · range $322K$330K$343K

vs edgeAI estimate

+1.4%

$/sqft vs Palmetto actives

$126 vs $206

Days on market

62 vs 59 typical

Where $126/sqft sits among the 400 Palmetto actives

97 · this home
140
82
37
14
30
$125–172$172–219$219–267$267–314$314–361$361+

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 Riverbay Townhomes

Map of 3206 10TH LN W inside its neighborhood boundary

Drive times from this address

Downtown Tampa52 min
Tampa Int’l Airport (TPA)55 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palmetto. See the full Palmetto guide →

Riverbay Townhomes — neighborhood snapshot

Population

381

Median age

66

Median income

$55,729

Median home value

$250,900

Avg household

2

Households w/ children

21%

For the school run

Manatee County School District

ElementaryPalmetto Elementary School★★★★★
HighPalmetto High School★★★★★
MiddleLincoln Memorial Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palmetto market

Seller’s marketLeans seller4.4 months of inventoryBuyer’s market

$359K$359K

Palmetto median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

222 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 12% below the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

CurrentPrice reduced to $329,000 $46K
Jun 10, 2026Listed at $375,000 · 62 days on market since
2005Built · RIVERBAY TOWNHOMES AT TERRA CIERA BAY

Reality check

What actually sold near 3206 10TH LN W

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1009 34TH DRIVE WSold · Jul ’26

$315,000

1009 34TH DRIVE W

4 bd · 3.5 ba · 2,604 sqft · $121/sqft · 67 DOM

3324 10TH LANESold · Apr ’26

$335,000

3324 10TH LANE

4 bd · 3.5 ba · 2,604 sqft · $129/sqft · 32 DOM

3601 10TH LANE WSold · Jan ’26

$345,000

3601 10TH LANE W

4 bd · 3.5 ba · 2,604 sqft · $132/sqft · 59 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.

Gianfranco Di Flumeri Petrelli

Your agent

Gianfranco Di Flumeri Petrelli

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3206 10TH LN W — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3206 10TH LN W — before you fall in love.

See it in person

Schedule a tour

Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3206 10TH LN W FAQs

What would the monthly payment be for 3206 10TH LN W?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,213/mo — principal and interest, the actual property-tax bill, the $426/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 3206 10TH LN W?+

The association fee works out to $426 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3206 10TH LN W?+

The most recent tax bill on record (2025) was $6,535. 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 3206 10TH LN W?+

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 $329,000, this home is listed about 17% below the Palmetto median of $398,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3206 10TH LN W?+

Palmetto Elementary School (elementary), Palmetto High School (high), Lincoln Memorial Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the PALMETTO 34221 market on paper

$329,000 is 12% below the PALMETTO 34221 median of $373,095, and at $126/sqft it sits under the Palmetto average of $232.

02Trees/Woods & Water views

The trees/woods and water view is part of what you're buying — views hold value independently of the structure.

03The price has already moved

Listed at $375,000, now $329,000 — a $46K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA LLC · Karli Campbell. MLS #A4696631.

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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