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.

90 waterfront homes are for sale or pending in Palmetto, FL today across 61 communities. The median asking price is $601,250, from $69,000 to $4,995,000. Listings in Palmetto without that feature have a median of $550,000. Most listings right now: Bel Mare Ph Ii (5), Palmetto Skyway Rep (5), Sanctuary Cove (4). Updated September 8, 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. The 60 communities with the most waterfront homes listed are tabled; the rest follow.

Community	Waterfront Homes	New build	Median list	From
Bel Mare Ph Ii	5	0	$699,900	$675,000
Palmetto Skyway Rep	5	0	$679,000	$623,000
Sanctuary Cove	4	3	$1,462,450	$950,000
Bay Club Ph Ii	3	0	$815,000	$630,000
Sanderling	3	3	$367,362	$363,230
Riviera Dunes Marina	3	0	$175,000	$148,000
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
Gulf & Bay Estates Blocks 4-7	2	0	$749,950	$749,900
Manati Shores Second Add	2	0	$722,000	$625,000
Gulf & Bay Estates Unit 4 Corr	2	0	$671,500	$668,000
Trevesta Ph I-A	2	0	$499,950	$424,900
Willow Walk Ph Iia-Iib-Iid	2	0	$430,950	$389,900
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
No-See-Um Acres	1	0	$1,990,000	$1,990,000
Island At Riviera Dunes	1	0	$1,950,000	$1,950,000
Burkes	1	0	$1,400,000	$1,400,000
Snead Island Estates West Ph 1-A	1	0	$1,375,000	$1,375,000
Laguna At Riviera Dunes Ii	1	0	$1,100,000	$1,100,000
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
Riverside Shores	1	0	$629,000	$629,000
Artisan Lakes Esplanade Ph Iii Sp A-E	1	0	$559,000	$559,000
Artisan Lakes Eaves Bend Ph I Sp A-K	1	0	$524,900	$524,900
Fairways At Imperial Lakewoods 1A2,1B&2B	1	0	$519,900	$519,900
Heather Glen Ph Ii	1	0	$499,999	$499,999
Riverside Park Replat Of A Portion	1	0	$494,900	$494,900
Waterford Ph I & Iii Rep	1	0	$489,900	$489,900
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
Laguna At Riviera Dunes I	1	0	$445,000	$445,000
Laguna At Riviera Dunes Iv	1	0	$425,000	$425,000
Riverbay Twnhms Ph Two	1	0	$419,000	$419,000
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
Laguna At Riviera Dunes	1	0	$370,000	$370,000
Crystal Lakes	1	0	$359,900	$359,900
Willow Walk Ph Iif & Iig	1	0	$359,900	$359,900
Riverbay Twnhms Ph One	1	0	$345,000	$345,000
Cypress Pond Estates	1	0	$304,900	$304,900
Imperial Lakes Estates	1	0	$299,500	$299,500
Palms Of Manasota	1	0	$285,000	$285,000
Fairway Palms	1	0	$262,500	$262,500
The Estuaries I	1	0	$235,000	$235,000
Waterford	1	0	$229,500	$229,500
Piney Point	1	0	$175,000	$175,000

Also with waterfront homes for sale: Leisure Lake Mobile Home Park Co-Op (1).

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?

As of September 8, 2026, 90 Palmetto, FL listings whose MLS record reports waterfront are active or pending, across 61 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Palmetto?

The median asking price today is $601,250, with listings from $69,000 to $4,995,000. Palmetto listings without that feature have a median of $550,000.

Which Palmetto community has the most waterfront homes for sale?

Bel Mare Ph Ii has the most right now (5), followed by Palmetto Skyway Rep (5), Sanctuary Cove (4), Bay Club Ph Ii (3).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Palmetto

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.

Listings courtesy of Stellar MLS as distributed by MLS GRID.