
1014 34TH DRIVE W, PALMETTO, FL, 34221
Active2 days on marketListed Jul 31, 2026MLS #A4701511
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About this home
1014 34TH DRIVE W
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.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,604
Sqft
0.05 ac
Lot size
2
Garage
2004
Year built
Three Or More
Levels
$132
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.
$3,098 /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
$3,098/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
−2.5%
$/sqft vs Palmetto actives
$132 vs $205
Days on market
2 vs 55 typical
Where $132/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 → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
220 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 5% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1014 34TH DRIVE 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 · same community
4 bd · 3.5 ba · 2,604 sqft · $121/sqft · 67 DOM
Sold · Mar ’26$340,000
1018 34TH DRIVE W · same community
4 bd · 3.5 ba · 2,604 sqft · $131/sqft · 9 DOM
Sold · Apr ’26$335,000
3324 10TH LANE
4 bd · 3.5 ba · 2,604 sqft · $129/sqft · 32 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
Derek Perez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1014 34TH DRIVE W — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1014 34TH DRIVE W — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derek's phone and CRM.
Straight answers
1014 34TH DRIVE W FAQs
What would the monthly payment be for 1014 34TH DRIVE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,098/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 1014 34TH DRIVE 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 1014 34TH DRIVE W?+
The most recent tax bill on record (2025) was $3,944. 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 1014 34TH DRIVE W?+
The listing reports pets: Cats OK, Dogs OK, 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 $345,000, this home is listed about 14% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1014 34TH DRIVE 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
$345,000 is 5% below the PALMETTO 34221 median of $364,900, and at $132/sqft it sits under the Palmetto average of $234.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Palmetto market that averages 55 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Serene Klomp. MLS #A4701511.
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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