Waterfront Homes for Sale in Palmetto, FL
This page tracks every Palmetto listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
91 waterfront homes are for sale or pending in Palmetto, FL today across 58 communities. The median asking price is $575,000, from $69,000 to $4,995,000. Listings in Palmetto without that feature have a median of $374,447. Most listings right now: Riviera Dunes Marina (5), Sanctuary Cove (4), Bel Mare Ph Ii (4). Updated September 27, 2026 from the MLS.
Palmetto waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Riviera Dunes Marina | 5 | 0 | $149,900 | $144,900 |
| Sanctuary Cove | 4 | 3 | $1,462,450 | $925,000 |
| Bel Mare Ph Ii | 4 | 0 | $694,450 | $675,000 |
| Palmetto Skyway Rep | 4 | 0 | $657,250 | $623,000 |
| Sanderling | 4 | 4 | $375,949 | $363,230 |
| Bay Club Ph Ii | 3 | 0 | $815,000 | $630,000 |
| Gulf & Bay Estates Blocks 4-7 | 3 | 0 | $750,000 | $749,900 |
| Peninsula At Riviera Dunes | 2 | 0 | $1,849,500 | $1,749,000 |
| Northshore At Riviera Dunes Ph 1-A | 2 | 0 | $764,750 | $579,500 |
| Artisan Lakes Esplanade Ph Iii Sp A-E | 2 | 0 | $722,000 | $559,000 |
| Manati Shores Second Add | 2 | 0 | $587,450 | $549,900 |
| Trevesta Ph I-A | 2 | 0 | $499,950 | $424,900 |
| Laguna At Riviera Dunes Iv | 2 | 0 | $450,000 | $425,000 |
| Willow Walk Ph Iia-Iib-Iid | 2 | 0 | $428,450 | $384,900 |
| Palms Of Manasota | 2 | 0 | $285,000 | $285,000 |
| Tropic Isles Co-Op | 2 | 0 | $270,000 | $220,000 |
| Riviera Dunes Marina Ph 2 | 2 | 0 | $240,000 | $240,000 |
| Riviera Dunes Marina Ph 3 | 2 | 0 | $129,500 | $69,000 |
| River Terrace | 1 | 0 | $4,995,000 | $4,995,000 |
| Richards Add To Palmetto | 1 | 0 | $4,650,000 | $4,650,000 |
| Terra-Mana Harbor | 1 | 0 | $3,400,000 | $3,400,000 |
| Alexanders Resubdivided | 1 | 0 | $3,400,000 | $3,400,000 |
| Snead Island | 1 | 0 | $2,490,000 | $2,490,000 |
| Burkes | 1 | 0 | $1,400,000 | $1,400,000 |
| Snead Island Estates West Ph 1-A | 1 | 0 | $1,375,000 | $1,375,000 |
| Richards Add Ctd | 1 | 0 | $1,370,000 | $1,370,000 |
| Laguna At Riviera Dunes Ii | 1 | 0 | $1,100,000 | $1,100,000 |
| Palmetto Skyway Sub Sec 2 | 1 | 0 | $950,000 | $950,000 |
| Bel Mare Ph I | 1 | 0 | $875,000 | $875,000 |
| Riverside Park Rep Of A Por | 1 | 0 | $850,000 | $850,000 |
| Palmetto Skyway Sec 2 | 1 | 0 | $849,900 | $849,900 |
| Palms At Coasterra | 1 | 1 | $750,999 | $750,999 |
| Imperial Lakes Residential | 1 | 0 | $699,900 | $699,900 |
| Artisan Lakes Esplanade Ph I Sp A-D | 1 | 0 | $679,900 | $679,900 |
| Gulf & Bay Estates Unit 4 Corr | 1 | 0 | $668,000 | $668,000 |
| Riverside Shores | 1 | 0 | $629,000 | $629,000 |
| Gulf & Bay Estates | 1 | 0 | $619,000 | $619,000 |
| Fairways At Imperial Lakewoods 1A2,1B&2B | 1 | 0 | $519,900 | $519,900 |
| Riverside Park Replat Of A Portion | 1 | 0 | $494,900 | $494,900 |
| Hammocks At Riviera Dunes | 1 | 0 | $485,900 | $485,900 |
| Woods Of Moccasin Wallow Ph Ii | 1 | 0 | $480,000 | $480,000 |
| Esplanade At Artisan Lakes | 1 | 0 | $469,999 | $469,999 |
| Artisan Lakes Esplanade Ph V Subph B & C | 1 | 0 | $469,000 | $469,000 |
| Waterford Ph I & Iii Rep | 1 | 0 | $469,000 | $469,000 |
| Laguna At Riviera Dunes I | 1 | 0 | $440,000 | $440,000 |
| Riverbay Twnhms Ph Two | 1 | 0 | $409,900 | $409,900 |
| Sugar Mill Lakes Ph Ii & Iii | 1 | 0 | $395,000 | $395,000 |
| Tropic Isles Co-Op Inc Or 1784/7782 | 1 | 0 | $384,000 | $384,000 |
| Laguna At Riviera Dunes Iii | 1 | 0 | $375,000 | $375,000 |
| Crystal Lakes | 1 | 0 | $349,900 | $349,900 |
| Riverbay Twnhms Ph One | 1 | 0 | $339,900 | $339,900 |
| Cypress Pond Estates | 1 | 0 | $304,900 | $304,900 |
| Imperial Lakes Estates | 1 | 0 | $276,000 | $276,000 |
| Fairway Palms | 1 | 0 | $262,500 | $262,500 |
| Waterford | 1 | 0 | $229,500 | $229,500 |
| Piney Point | 1 | 0 | $175,000 | $175,000 |
| Piney Point | 1 | 0 | $175,000 | $175,000 |
| Jet Mobile Home Park Sec One Co-Op | 1 | 0 | $98,000 | $98,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Palmetto?
What do waterfront homes cost in Palmetto?
Which Palmetto community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
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Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Palmetto, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.