
3206 10TH LN W, PALMETTO, FL, 34221
Active62 days on marketListed Jun 10, 2026MLS #A4696631
About this home
3206 10TH LN W
WATERFRONT LIVING WITH A PRIVATE ELEVATOR, DEEDED BOAT SLIP, AND ENDLESS POTENTIAL! Welcome to 3206 10th Lane W in Palmetto, where boating enthusiasts, seasonal residents, and full-time homeowners alike will appreciate the rare combination of space, location, and opportunity. Offering over 2,600 square feet, 4 bedrooms, 3.5 bathrooms, a private elevator, and deeded access to your own boat slip, complete with a 20,000-pound lift, BRAND NEW AC with a 10-year transferable warranty, this residence is a blank canvas ready for your personal vision. The versatile first level features a spacious bedroom with an ensuite full bathroom, creating the ideal setup for a private guest suite, multigenerational living arrangement, second primary bedroom, home office, or bonus retreat. Ride your private elevator or take the stairs to the main living level, where the heart of the home unfolds. The open-concept living and dining spaces are enhanced by peaceful preserve views, creating a private and tranquil backdrop. A charming bump-out off the family room offers the perfect space for a home office, reading nook, or creative workspace. The kitchen features granite countertops, wood cabinetry, generous prep space, and an additional gathering area perfect for entertaining family and friends. A convenient half bath completes the level. The upper floor offers three additional bedrooms, including the primary suite, which enjoys northwest-facing views of Florida's lush natural landscape and colorful sunset skies as well as views of the Skyway Bridge and Terra Ceia Bay. The remaining two bedrooms share a full bathroom, and a conveniently located laundry room provides everyday comfort and functionality. Outside, enjoy unobstructed preserve views with no rear neighbors, creating a sense of privacy rarely found in townhome living. For boaters, the real highlight awaits at your gated dock, where your deeded slip and 20,000-pound lift provide direct access to the Intracoastal Waterway, Tampa Bay, and the Gulf of America for endless days on the water. Perfectly positioned near the shores of Snead Island, this exceptional location places you at the gateway to Florida's Gulf Coast lifestyle. Enjoy easy access to downtown Bradenton, downtown Sarasota, St. Petersburg, and Tampa, offering endless options for waterfront dining, arts, entertainment, shopping, and professional sports. Multiple airports, including Sarasota-Bradenton International Airport and Tampa International Airport, make travel effortless for both full-time and seasonal residents. Whether you're heading to the beaches of Anna Maria Island, exploring the vibrant Riverwalk districts, spending the day boating on the Intracoastal Waterway, or enjoying a weekend in St. Pete or Tampa, you'll appreciate the convenience of being centrally located to some of the region's most desirable destinations. Whether you're searching for a primary residence, seasonal retreat, or investment opportunity, 3206 10th Lane W delivers the rare chance to create your dream waterfront lifestyle while building equity through your own personal touches.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,604
Sqft
0.05 ac
Lot size
2
Garage
2005
Year built
Three Or More
Levels
$126
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.
$3,213 /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
$3,213/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.
vs edgeAI estimate
+1.4%
$/sqft vs Palmetto actives
$126 vs $206
Days on market
62 vs 59 typical
Where $126/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 Riverbay Townhomes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Riverbay Townhomes — neighborhood snapshot
Population
381
Median age
66
Median income
$55,729
Median home value
$250,900
Avg household
2
Households w/ children
21%
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 → $359K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
222 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 12% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 3206 10TH LN W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$315,000
1009 34TH DRIVE W
4 bd · 3.5 ba · 2,604 sqft · $121/sqft · 67 DOM
Sold · Apr ’26$335,000
3324 10TH LANE
4 bd · 3.5 ba · 2,604 sqft · $129/sqft · 32 DOM
Sold · Jan ’26$345,000
3601 10TH LANE W
4 bd · 3.5 ba · 2,604 sqft · $132/sqft · 59 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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3206 10TH LN W — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3206 10TH LN W — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3206 10TH LN W FAQs
What would the monthly payment be for 3206 10TH LN W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,213/mo — principal and interest, the actual property-tax bill, the $426/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 3206 10TH LN W?+
The association fee works out to $426 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3206 10TH LN W?+
The most recent tax bill on record (2025) was $6,535. 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 3206 10TH LN W?+
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 $329,000, this home is listed about 17% below the Palmetto median of $398,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3206 10TH LN W?+
Palmetto Elementary School (elementary), Palmetto High School (high), Lincoln Memorial Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALMETTO 34221 market on paper
$329,000 is 12% below the PALMETTO 34221 median of $373,095, and at $126/sqft it sits under the Palmetto average of $232.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $375,000, now $329,000 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Karli Campbell. MLS #A4696631.
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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