Skip to main content
1 / 60

$399,900

10205 SAINT FRANCIS TERRACE, PALMETTO, FL 34221

3D Tour
Active198 days on market

Beds

2

Baths

2

Sq Ft

1,698 sq ft

Year Built

2015

Lot Size

0.13 acres

Garage

2

About This Property

Welcome to your coastal retreat — where sun-kissed light, gentle breezes, and laid-back elegance await. Step inside this airy, coastal-inspired home and let your imagination set sail. From the moment you enter, you're greeted by a bright and open living space that flows effortlessly to a tranquil lanai, perfect for morning coffee or sunset lounging. Beyond the large sliding glass doors, enjoy a spacious backyard that backs up to serene conservation land — your own private slice of nature. The living room is filled with natural light, thanks to two generously sized windows, and offers the perfect backdrop for cozy coastal furnishings. The primary suite is a true seaside sanctuary, featuring a trio of bay windows that invite in soft light and offer views of the outdoors. A modern retractable ceiling fan with dual light settings adds both function and flair. The ensuite bath is spa-like, with a walk-in shower featuring a built-in seat, dual vanities with abundant counter space, and direct access to a walk-in closet with built-in shelving — and yes, there's attic access too. The dining room is bright and inviting, framed by a picture window that captures the beauty of the day. The kitchen is thoughtfully designed for both style and function, featuring stainless steel appliances, a double sink, ample lighting, and generous cabinet space — 15 upper cabinets, 12 lowers, and 6 drawers to be exact. A fixed window fills the space with natural light, making every meal prep a pleasure. The second bedroom offers comfort and versatility, with a walk-in closet, retractable ceiling fan, and pocket-door access to the second full bathroom, complete with a tub/shower combo and easy access from the hallway. Across the hall, you’ll find a spacious office — or creative space — with another fixed window and a ceiling fan to keep the ocean-inspired vibes going strong. Laundry is tucked away in a private room with ample shelving, and the two-car garage offers plenty of space and additional attic access. The community? It's your coastal clubhouse dream come true. The HOA includes landscaping, cable, and exclusive access to the Amenity Center — featuring a resort-style pool, lap pool, bubbling spa, fire pit, 24-hour fitness room, tennis courts, pickleball, corn hole, massage room, billiards, library, event space, and a calendar full of activities like dancing, bingo, and live shows. Don’t miss the opportunity to live the laid-back lifestyle you’ve been dreaming of — this coastal haven is calling your name.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #A4688993
StatusActive
Year Built2015
Total Rooms10
ConstructionBlock, Stucco
RoofConcrete, Tile
FoundationSlab
FacesEast
SubdivisionARTISAN LAKES ESPLANADE PH I SP A-D
CountyManatee
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), High Ceilings, In Wall Pest System, Open Floorplan, Pest Guard System, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Thermostat, Walk-In Closet(s), Window Treatments
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer
LaundryInside, Laundry Room
WindowsBlinds, Insulated Windows, Window Treatments
CoolingCentral Air
HeatingCentral
SecurityGated Community, Security System, Security System Owned, Smoke Detector(s)

Exterior & Lot

ExteriorHurricane Shutters, Irrigation System, Lighting, Rain Gutters, Sidewalk, Sliding Doors
Lot Size0.13 acres (5,732 sq ft)
Lot FeaturesConservation Area, In County, Landscaped, Level, Street Dead-End, Unincorporated
Road SurfacePaved
ViewTrees/Woods
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesNatural Gas Connected, Public

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$1,560 / Quarterly
Senior CommunityNo

Financial Details

List Price$399,900
Original Price$436,000
Annual Taxes$1,105 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPDMU
Parcel #610903359

Directions

From Moccasin Wallow Road, Turn onto Artisan Lakes Pkwy, At the traffic circle, take the 3rd exit onto Cobble Park Pl, Turn left onto Craftsman Park Way, Turn left onto St Francis Terrace, Home will be on the right.

Location

10205 SAINT FRANCIS TERRACE, PALMETTO, FL 34221

Listing Information

OfficeTIM LESTER INTERNAT'L REALTY
ListedApril 6, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$399,900

20% ($79,980)
6.75%

Loan Term

Principal & Interest$2,075
Property Tax (est.)$367
Insurance (est.)$150
Total Monthly$2,592
Full Calculator →

How to Buy This Home

Multiple financing options available for this $399,900 home in PALMETTO.

🏛️

FHA Loan

$13,997 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$19,995 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Manatee County SHIP

Varies

Income-qualifying Manatee residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

More Homes in Palmetto

More Homes in Palmetto

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 21, 2026.

Call (813) 733-7907TextContact