$399,500
3607 10TH LANE W, PALMETTO, FL 34221
Beds
4
Baths
4
Sq Ft
2,604 sq ft
Year Built
2005
Lot Size
0.06 acres
Garage
2
About This Property
WATERFRONT Townhome in Riverbay's most sought-after western section—one of only three buildings in this exclusive enclave—showcasing panoramic Manatee River views and unforgettable Florida sunsets! Beautifully transformed by the current owners with sophisticated designer finishes throughout, this exceptional residence delivers a rare blend of location, luxury, and waterfront living. Completing this outstanding offering is a 2021 roof, a *PRIVATE ELEVATOR* with access to all four levels, and the opportunity to purchase a PRIVATE BOAT SLIP with Lift within the community (subject to availability). --- Inside, over 2,600 square feet of thoughtfully designed living space has been METICULOUSLY UPDATED with gorgeous porcelain wood-look plank tile, a stunning DESIGNER-INSPIRED KITCHEN, beautifully renovated SPA-LIKE BATHROOMS, custom lighting, PLANTATION SHUTTERS, Fresh Interior Paint, and timeless finishes that create a refined yet comfortable coastal feel. ADDITIONAL END-UNIT WINDOWS flood the home with Natural Light while perfectly framing breathtaking RIVER VIEWS. --- The spacious 4BR/3.5BA floor plan offers exceptional flexibility for everyday living, entertaining, guests, or multigenerational living. MULTIPLE WATERFRONT BALCONIES provide the perfect place to enjoy morning coffee, passing boats, coastal breezes, and SPECTACULAR SUNSETS, while the oversized 2-car garage offers abundant space for Kayaks, Paddleboards, Bicycles & Extra Storage. --- Riverbay offers a true Maintenance-Free Lifestyle with a COMMUNITY POOL, KAYAK LAUNCH, FISHING PIER, WALKING TRAILS, Low HOA Fees, NO CDD FEES, pet-friendly policies with no dog weight restrictions, and HOA-covered lawn care, landscaping, water, sewer, trash service, and exterior building painting. Ideally located near Snead Island, Emerson Point Preserve, Bradenton Yacht Club, waterfront dining, shopping, Pickleball Courts, Gulf beaches, I-75, I-275, Sarasota, St. Petersburg, Tampa, and multiple airports, this is a rare opportunity to enjoy the very best of Florida waterfront living. CALL To Schedule Your Private Showing Today!
Property Overview
Interior Features
Exterior & Lot
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Directions
From I-75, take Exit 224 (US-301) and head west toward Palmetto. Turn right onto Haben Boulevard, then continue onto 10th Street W. Turn left onto 36th Avenue W, then right onto 10th Lane W. Continue to 3607 10th Ln W, Palmetto, FL 34221.
Location
3607 10TH LANE W, PALMETTO, FL 34221
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$399,500
Loan Term
How to Buy This Home
Multiple financing options available for this $399,500 home in PALMETTO.
🏛️
FHA Loan
$13,983 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
$19,975 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.
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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.