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$485,900

1226 3RD STREET CIRCLE E, PALMETTO, FL 34221

3D Tour
Active98 days on market

Beds

4

Baths

3

Sq Ft

2,848 sq ft

Year Built

2005

Lot Size

0.05 acres

Garage

2

About This Property

Recent price reduction! Will consider ALL offers, Sellers are Highly motivated. Boater and nature lover's dream in this exceptionally maintained 4 bedroom 3 bathroom townhome. Located in the gorgeous gated community of the Hammocks at Riviera Dunes. Situated adjacent to a deep water protected harbor out to the Manatee river. This “move in ready” three level townhome (with over $40,000 in upgrades) features a beautiful open floor plan on the main level with ceramic tile & granite countertops. The townhome boasts a gorgeous panoramic view of the pool, a pond, featuring a beautiful fountain, and a nature preserve with live oaks. Off the main level is the spacious paver balcony with a natural gas grill for outdoor entertaining. The bedroom on this level may be used as a den/office or a formal dining room. Sleek bamboo floors and wrought iron railings escort you to the top floor large primary suite, featuring French doors, a huge walk-in closet, very large en suite bathroom with updated contemporary walk-in shower and a soaking tub. An added convenience is the full laundry room on this floor. Additionally, this floor has a large guest room with en suite bath, walk-in closet, and partial view of the Manatee river. This townhome features a spacious lower level flex space, which is semi-finished, with huge walk in storage closets, making this an ideal game room, man cave, or space for added guests. The Hammocks community amenities include: Boat slips for rent or purchase, Community center with workout area & kitchen, 2 pools, pickle ball/tennis court, and all outdoor maintenance included. Strategically located minutes from award winning Gulf beaches, preserves, I-75, Skyway bridge, Ellenton outlet mall, numerous restaurants, County convention center, Bradenton, Sarasota, St Petersberg and Sarasota/Tampa Airports. Come make this dream Townhome yours!

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #TB8528408
StatusActive
Year Built2005
Stories3
Total Rooms9
ConstructionBlock, Stucco
RoofTile
FoundationSlab
FacesSouth
SubdivisionHAMMOCKS AT RIVIERA DUNES
CountyManatee
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, L Dining, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
FlooringBamboo, Ceramic Tile, Concrete, Hardwood
AppliancesBuilt-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Closet, Laundry Room
WindowsBlinds, Double Pane Windows, Shades, Window Treatments
CoolingCentral Air, Mini-Split Unit(s), Zoned
HeatingCentral, Natural Gas
SecurityFire Alarm, Fire Sprinkler System, Gated Community, Security Gate, Security System, Security System Owned, Smoke Detector(s)

Exterior & Lot

ExteriorBalcony, Irrigation System, Lighting, Outdoor Grill, Private Mailbox, Rain Gutters, Sidewalk, Sliding Doors, Tennis Court(s)
Lot Size0.05 acres (2,047 sq ft)
Lot FeaturesCity Lot
Road SurfacePaved, Asphalt
ViewPool, Trees/Woods, Water

Pool & Spa

Private PoolNo
Pool FeaturesDeck, Gunite, In Ground
SpaIn Ground

Waterfront

WaterfrontYes
FeaturesWaterfront, Marina, Pond

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Fire Hydrant, Natural Gas Connected, Public, Sewer Connected, Sprinkler Recycled, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$1,044 / Monthly
Senior CommunityNo

Financial Details

List Price$485,900
Original Price$495,900
Annual Taxes$4,624 (2024)
FinancingCash, Conventional, FHA, VA Loan
ZoningPDMU
Parcel #2581620329

Schools

ElementaryJames Tillman Elementary
MiddleLincoln Middle
HighPalmetto High

Directions

From 1-75 take exit 224, West to Haben BLVD, turn left at stop light, proceed to gate, left through gate, quick right turn, quick left turn, turn to home on left.

Location

1226 3RD STREET CIRCLE E, PALMETTO, FL 34221

Listing Information

OfficeCOLDWELL BANKER REALTY
ListedJuly 11, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$485,900

20% ($97,180)
6.75%

Loan Term

Principal & Interest$2,521
Property Tax (est.)$445
Insurance (est.)$150
Total Monthly$3,117
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $485,900 home in PALMETTO.

🏛️

FHA Loan

$17,007 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

$24,295 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 17, 2026.

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