1308 3RD STREET CIRCLE E, PALMETTO, FL, 34221
Active1 days on marketListed Jul 31, 2026MLS #A4701497
About this home
1308 3RD STREET CIRCLE E
Welcome to 1308 3rd Street Circle East, where luxury, convenience, and the Florida waterfront lifestyle come together in the highly sought-after gated community of The Hammocks at Riviera Dunes. This beautifully maintained four-bedroom, four-bathroom townhome offers nearly 2,850 square feet of thoughtfully designed living space across three spacious levels, all connected by a private elevator for effortless access throughout the home. The first floor offers exceptional flexibility with a private guest suite featuring its own entrance and full bath—ideal for visiting family, multigenerational living, or a quiet home office. Designed for both entertaining and everyday living, the second level features a bright, open-concept layout where the kitchen serves as the heart of the home. Anchored by a large center island, the space is filled with natural light and flows seamlessly into the dining and living areas, creating an inviting atmosphere for gathering with family and friends. A versatile bonus room on this level provides endless possibilities as a home office, media room, playroom, or additional living space. Step outside onto the covered balcony and enjoy peaceful pond views surrounded by lush tropical landscaping—the perfect place to sip your morning coffee or unwind at the end of the day. The third floor is dedicated to comfort and privacy. The spacious primary suite offers its own private balcony, an oversized walk-in closet, and a spa-inspired bath featuring dual vanities, a soaking tub, and a walk-in shower. An bedroom and a conveniently located laundry room complete the upper level. Additional highlights include an oversized two-car garage, and maintenance-free living with exterior maintenance covered by the HOA. Beyond your front door, residents enjoy an exceptional amenity package including two resort-style pools, a clubhouse, fitness center, tennis courts, scenic walking paths, and access to the private Riviera Dunes Marina, providing boating access to the Manatee River, Tampa Bay, and the Gulf of Mexico. Whether you're searching for a full-time residence or a lock-and-leave Florida retreat, this exceptional home offers the perfect blend of space, comfort, and resort-style living—all just minutes from downtown Bradenton, downtown Sarasota, St. Petersburg, Anna Maria Island, and the beautiful Gulf beaches. Experience maintenance-free living in one of Palmetto's premier gated waterfront communities. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,848
Sqft
0.05 ac
Lot size
2
Garage
2004
Year built
Three Or More
Levels
$169
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.
$4,842 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,842/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
$/sqft vs Palmetto actives
$169 vs $206
Days on market
1 vs 55 typical
Where $169/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 Palmetto
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
The numbers that matter
The Palmetto market
$359K → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
223 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 20% above the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1308 3RD STREET CIRCLE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$600,000
1309 3RD STREET CIRCLE E · same community
4 bd · 4 ba · 2,848 sqft · $211/sqft · 132 DOM
Sold · Jun ’26$420,000
1520 3RD STREET CIRCLE E · same community
4 bd · 4 ba · 2,848 sqft · $147/sqft · 181 DOM
Sold · Aug ’25$1,080,000
130 RIVIERA DUNES WAY UNIT 1201
3 bd · 3.5 ba · 2,930 sqft · $369/sqft · 165 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
Linda Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1308 3RD STREET CIRCLE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1308 3RD STREET CIRCLE E — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Linda's phone and CRM.
Straight answers
1308 3RD STREET CIRCLE E FAQs
What would the monthly payment be for 1308 3RD STREET CIRCLE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,842/mo — principal and interest, the actual property-tax bill, the $940/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 1308 3RD STREET CIRCLE E?+
The association fee works out to $940 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1308 3RD STREET CIRCLE E?+
The most recent tax bill on record (2025) was $8,447. 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 1308 3RD STREET CIRCLE E?+
The listing reports pets: Yes. 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 $480,000, this home is listed about 20% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$480,000 runs 20% above the Palmetto median — but at 2,848 sqft it's also 50% larger than the typical Palmetto listing.
02Know the monthly fee
The association fee is $940/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 1 day on market in a Palmetto market that averages 55 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Daria Fairchild. MLS #A4701497.
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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