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$339,900

1014 34TH DRIVE W, PALMETTO, FL 34221

3D Tour
Active82 days on market

Beds

4

Baths

4

Sq Ft

2,604 sq ft

Year Built

2004

Lot Size

0.05 acres

Garage

2

About This Property

PRICE IMPROVEMENT-- Enjoy the convenience of a PRIVATE ELEVATOR serving all four levels in this beautifully maintained inside-unit townhome, offering over 2,600 square feet of living space, three private outdoor living areas, and peaceful preserve and water views in Riverbay Townhomes at Terra Ceia Bay. A VERSATILE PRIVATE SUITE features a built-in closet, full bathroom with a walk-in shower, elevator access, and direct access to a covered patio, ideal for guests, multigenerational living, or a private home office. The OPEN-CONCEPT living and dining area is designed for both everyday living and entertaining, featuring bamboo flooring, crown molding, 10-foot ceilings, and direct access to a covered balcony overlooking the peaceful preserve, mangroves, and water. The adjoining kitchen features granite countertops, wood cabinetry, a center island, ample workspace, and an inviting layout that keeps everyone connected while preparing meals or entertaining family and friends. The spacious primary suite offers two walk-in closets, a private covered balcony, and an UPDATED PRIMARY BATHROOM (2025), while two additional bedrooms, a full bathroom, and a conveniently located laundry area complete the upper level. Thoughtfully maintained and updated, the home features a new roof (2022), kitchen appliances (2022), Trane HVAC with a new air handler, hurricane-impact garage door, EV charging outlet, waterproofed upper balconies, additional storage, and regularly scheduled HVAC maintenance. As an inside unit, the home also offers added energy efficiency, and there are NO CDD fees. Residents enjoy a community pool, fishing dock, kayak launch, scenic walking trails, and a nearby marina where boat slips may be available for purchase, providing convenient access to the Manatee River, Terra Ceia Bay, the Intracoastal Waterway, and the Gulf of Mexico. Whether you enjoy boating, fishing, kayaking, or simply relaxing by the water, Riverbay offers the laid-back Florida lifestyle so many buyers are searching for. Conveniently located near golf courses, local waterfront dining, Ellenton Premium Outlets, Bradenton Riverwalk, Emerson Point Preserve, Anna Maria Island, and Sarasota-Bradenton, St. Pete-Clearwater, and Tampa International Airports, this home is perfectly positioned to enjoy the best of Florida's Gulf Coast. Whether you're searching for a full-time residence, seasonal getaway, or investment opportunity, this thoughtfully maintained townhome offers the space, flexibility, and waterfront lifestyle that's becoming increasingly difficult to find.

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #A4701511
StatusActive
Year Built2004
Stories4
Total Rooms7
ConstructionConcrete, Stucco, Vinyl Siding
RoofShingle
FoundationBlock, Slab
FacesWest
SubdivisionRIVERBAY TWNHMS PH ONE
CountyManatee
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorCeiling Fan(s), Crown Molding, Eating Space In Kitchen, Elevator, High Ceilings, Living Room/Dining Room Combo, PrimaryBedroom Upstairs, Solid Wood Cabinets, Thermostat, Walk-In Closet(s)
FlooringBamboo, Carpet, Ceramic Tile
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Refrigerator, Washer
LaundryElectric Dryer Hookup, Inside, Laundry Closet, Upper Level, Washer Hookup
WindowsAluminum Frames, Blinds, Double Pane Windows, Window Treatments
CoolingCentral Air
HeatingCentral, Electric
SecurityFire Alarm, Fire Sprinkler System, Smoke Detector(s)

Exterior & Lot

ExteriorBalcony, Irrigation System, Private Entrance, Sliding Doors, Storage
Lot Size0.05 acres (2,248 sq ft)
Lot FeaturesCul-De-Sac, Flood Insurance Required, FloodZone, Landscaped, Near Golf Course, Near Marina
Road SurfacePaved, Asphalt
ViewTrees/Woods, Water
0

Waterfront

WaterfrontYes
FeaturesPond

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Electricity Connected, Public, Sewer Connected, Sprinkler Recycled, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$426 / Monthly
Senior CommunityNo

Financial Details

List Price$339,900
Original Price$345,000
Annual Taxes$3,944 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPD
Parcel #2959110709

Schools

ElementaryPalmetto Elementary-MN
MiddleLincoln Middle
HighPalmetto High

Directions

From I-75 take Exit 224 for US-301 toward Ellenton/Palmetto. Head west on US-301 toward Palmetto. Continue straight for about 4 miles (US-301 becomes 10th Street W). Turn right onto 34th Drive W at the entrance to RiverBay Townhomes. The townhome is the first building on your right after the stop sign.

Location

1014 34TH DRIVE W, PALMETTO, FL 34221

Listing Information

OfficeLPT REALTY, LLC
ListedJuly 31, 2026

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Home Price

$339,900

20% ($67,980)
6.75%

Loan Term

Principal & Interest$1,764
Property Tax (est.)$312
Insurance (est.)$150
Total Monthly$2,225
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $339,900 home in PALMETTO.

🏛️

FHA Loan

$11,897 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

$16,995 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.

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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.

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