Skip to main content
1 / 65

$390,000

10103 SAINT FRANCIS TERRACE, PALMETTO, FL 34221

3D Tour
Active103 days on market

Beds

3

Baths

2

Sq Ft

1,920 sq ft

Year Built

2014

Lot Size

0.29 acres

Garage

2

About This Property

Set on an oversized cul-de-sac lot in the gated resort-style community of Esplanade at Artisan Lakes, this 3-bedroom, 2-bath home with a dedicated den features a NEW A/C with UV (2024), spacious layout, large screened lanai, and a backyard setting with room to enjoy Florida living. The entry opens into the main living area, where a tray ceiling, recessed lighting, and large sliding doors create a bright, open space that connects directly to the lanai. The kitchen features granite countertops, stainless steel appliances, dark wood cabinetry, a pantry, and a large breakfast bar with seating. Just beyond, the dining room offers a defined space for meals, gatherings, and entertaining. A dedicated den provides flexible space for a home office, reading room, hobby area, or additional lounge space. The primary bedroom is positioned privately with plantation shutters, a walk-in closet, and an en suite bathroom featuring dual vanities, a soaking tub, walk-in shower, and private water closet. Two secondary bedrooms and a full bathroom are located on the opposite side of the home, creating comfortable separation for guests or household members. The screened lanai extends the living space outdoors with a covered sitting area and peaceful views of the surrounding greenery. The oversized homesite offers more than a quarter acre with room to relax, garden, entertain, or explore future outdoor possibilities. Additional features include a laundry room, two-car garage, and NEW garage door spring system replaced in 2023. Esplanade at Artisan Lakes offers an impressive amenity-rich lifestyle with a resort-style pool, spa, fitness center, clubhouse, café, billiards and game room, tennis, pickleball, bocce, walking trails, event lawn, dog park, and a full calendar of activities. Association dues include cable, internet, and grounds maintenance, adding convenience to the resort-style setting. Located near I-75, residents enjoy convenient access to Sarasota, St. Petersburg, vibrant dining, shopping, entertainment, and the renowned Gulf Coast beaches.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #A4697892
StatusActive
Year Built2014
Stories1
Total Rooms7
ConstructionStucco
RoofTile
FoundationSlab
FacesNortheast
SubdivisionARTISAN LAKES ESPLANADE PH I SP A-D
CountyManatee
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), L Dining, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Thermostat, Tray Ceiling(s), Walk-In Closet(s)
FlooringCarpet, Luxury Vinyl, Tile
AppliancesDishwasher, Dryer, Range, Refrigerator
LaundryInside
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorLighting, Rain Gutters, Sidewalk, Sliding Doors
Lot Size0.29 acres (12,720 sq ft)
Lot FeaturesCul-De-Sac
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$1,560 / Quarterly
Senior CommunityNo

Financial Details

List Price$390,000
Original Price$430,000
Annual Taxes$3,420 (2025)
ZoningPDMU
Parcel #610903859

Directions

From Moccasin Wallow Rd, head north on Artisan Lakes Pkwy, take the third exit at the roundabout onto Cobble Park Pl, turn left onto Craftsman Pkwy, left onto Saint Francis Ter, and continue to the end of the cul-de-sac where the property will be on your right.

Location

10103 SAINT FRANCIS TERRACE, PALMETTO, FL 34221

Listing Information

OfficeTNG REAL ESTATE
ListedJune 25, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$390,000

20% ($78,000)
6.75%

Loan Term

Principal & Interest$2,024
Property Tax (est.)$358
Insurance (est.)$150
Total Monthly$2,531
Full Calculator →

How to Buy This Home

Multiple financing options available for this $390,000 home in PALMETTO.

🏛️

FHA Loan

$13,650 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

$19,500 Down

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

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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 5, 2026.

Call (813) 733-7907TextContact