120 12TH AVENUE E, PALMETTO, FL, 34221
Active179 days on marketListed Jan 26, 2026MLS #A4679710
About this home
120 12TH AVENUE E
**Waterfront Paradise Awaits in Coveted Palmetto Location** Discover the lifestyle you've been dreaming of in this stunning five-bedroom, four-bathroom residence that seamlessly blends indoor luxury with outdoor living at its finest. Nestled along the picturesque Manatee River, this expansive home offers breathtaking waterfront views that will make every morning feel like a vacation. Step inside to find a thoughtfully updated interior spanning over 3,500 square feet of living space. The refreshed kitchen, beautifully renovated bathrooms, and inviting family room showcase meticulous attention to detail. New flooring flows throughout, while elegant window shutters, modern ceiling fans, and stylish light fixtures create an atmosphere of refined comfort. A decorative fireplace adds character to your gatherings, and fresh paint throughout gives everything a crisp, move-in-ready feel. The outdoor spaces truly steal the show here. Your private oasis features a gleaming marble pool deck, a fully-equipped outdoor kitchen perfect for entertaining, and not one but two lanais—all connected by a whole-house speaker system for effortless ambiance. The newly designed circular driveway and professional lighting elevate the curb appeal to impressive heights. Practical features abound, including a climate-controlled three-car garage and a powerful whole-house generator for peace of mind during Florida's unpredictable weather. Water enthusiasts will appreciate the option to purchase a sixty-five-foot boat slip separately. The neighborhood places you moments from Riviera Dunes Marina and the Bradenton Area Convention Center, offering endless entertainment and recreation options. Your waterfront retreat awaits—schedule your private showing today! Chandelier above breakfast table is excluded from sale.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,516
Sqft
0.25 ac
Lot size
3
Garage
2007
Year built
Two
Levels
$497
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$11,597 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$11,597/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+107.8%
$/sqft vs Palmetto actives
$497 vs $207
Days on market
179 vs 55 typical
Where $497/sqft sits among the 400 Palmetto actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Riviera Dunes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Riviera Dunes — neighborhood snapshot
Population
203
Median age
66
Median income
$144,904
Median home value
$494,900
Avg household
2
Households w/ children
2%
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
213 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 379% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 120 12TH AVENUE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$2,300,000
125 12TH AVENUE E · same community
4 bd · 3.5 ba · 3,237 sqft · $711/sqft · 116 DOM
Sold · Mar ’26$1,690,000
807 3RD STREET E
4 bd · 4 ba · 3,623 sqft · $466/sqft · 16 DOM
Sold · Jun ’26$1,710,000
811 RIVIERA DUNES WAY
4 bd · 3 ba · 3,350 sqft · $510/sqft · 211 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 120 12TH AVENUE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 12TH AVENUE E — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
120 12TH AVENUE E FAQs
What would the monthly payment be for 120 12TH AVENUE E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,597/mo — principal and interest, the actual property-tax bill, the $163/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 120 12TH AVENUE E?+
The association fee works out to $163 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 120 12TH AVENUE E?+
The most recent tax bill on record (2024) was $14,166. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 120 12TH AVENUE E?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palmetto?+
At $1,749,000, this home is listed about 338% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 120 12TH AVENUE E?+
Lincoln Memorial Middle School (middle), James Tillman Elementary Magnet School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,749,000 runs 379% above the PALMETTO 34221 median — but at 3,516 sqft it's also nearly twice the size of the typical Palmetto listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
179 days on market against a Palmetto median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,875,000, now $1,749,000 — a $126K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of OPPORTUNITY REAL ESTATE LLC · Tana McClain. MLS #A4679710.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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