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10103 Saint Francis Ter, Palmetto, FL, 34221

$208/sqft·Artisan Lakes Esplanade Ph I Sp A-d

3 bd2 ba1,920 sqft2 car garageSingle Family
Listed by TNG REAL ESTATE· Last updated · MLS# A4697892

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Est. monthly payment
$3,091/mo
Down payment (20%)
$80,000
Property taxes
$285/mo
HOA
$1,560/qtr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2014
Community pool
Fitness center too
2 car garage
0.29 acres
Lot size
1,920 sqft
Living area

About this home

Ceiling Fans(s)L DiningLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomThermostatTray Ceiling(s)

10103 Saint Francis Ter is a 2014-built home in Artisan Lakes Esplanade Ph I Sp A-d, Palmetto. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,920 square feet of living space. Listed at $400,000 (about $208/sqft), 32 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,560 quarterly.

From the listing

Set on an oversized cul-de-sac lot in the gated resort-style community of Esplanade at Artisan Lakes, this 3-bedroom, 2-bath home with a dedicated den features a NEW A/C with UV (2024), spacious layout, large screened lanai, and a backyard setting with room to enjoy Florida living. The entry opens into the main living area, where a tray ceiling, recessed lighting, and large sliding doors create a bright, open space that connects directly to the lanai. The kitchen features granite countertops, stainless steel appliances, dark wood cabinetry, a pantry, and a large breakfast bar with seating. Just beyond, the dining room offers a defined space for meals, gatherings, and entertaining. A dedicated den provides flexible space for a home office, reading room, hobby area, or additional lounge space. The primary bedroom is positioned privately with plantation shutters, a walk-in closet, and an en suite bathroom featuring dual vanities, a soaking tub, walk-in shower, and private water closet. Two secondary bedrooms and a full bathroom are located on the opposite side of the home, creating comfortable separation for guests or household members. The screened lanai extends the living space outdoors with a covered sitting area and peaceful views of the surrounding greenery. The oversized homesite offers more than a quarter acre with room to relax, garden, entertain, or explore future outdoor possibilities. Additional features include a laundry room, two-car garage, and NEW garage door spring system replaced in 2023. Esplanade at Artisan Lakes offers an impressive amenity-rich lifestyle with a resort-style pool, spa, fitness center, clubhouse, café, billiards and game room, tennis, pickleball, bocce, walking trails, event lawn, dog park, and a full calendar of activities. Association dues include cable, internet, and grounds maintenance, adding convenience to the resort-style setting. Located near I-75, residents enjoy convenient access to Sarasota, St. Petersburg, vibrant dining, shopping, entertainment, and the renowned Gulf Coast beaches.

The essentials

Built
2014
Price / sqft
$208
On market
78 days
Annual tax
$3,420
HOA
$1,560/qtr
Flood zone
X* · Low risk
Lot
12,720 sqft
Type
Single Family Residence

Location

10103 Saint Francis Ter
Palmetto, FL, 34221·34221 - Palmetto/Rubonia
Type
Single Family Residence
Year Built
2014
Lot
12,720 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
78
Ceiling Fans(s)
L Dining
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Rain Gutters
Sidewalk
Sliding Doors
Fitness Center
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Dryer
Range
Refrigerator
Homestead exemption on fileFlood Zone X*

Annual Tax (2025)

$3,420

Parcel #

610903859

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Artisan Lakes Esplanade Ph I Sp A-d

County

Manatee

MLS Area

34221 - Palmetto/Rubonia

Lot Size

12,720 sqft

Cul-De-Sac
HOA
$1,560/qtr
Troon Management
Date
Event
Price
7/22/2026
Price change
Source: Stellar MLS #A4697892
$400,000-7.0%
$208/sqft
6/25/2026
Listed for sale
Source: Stellar MLS #A4697892
$430,000
$224/sqft
Est. monthly payment$3,091/mo
Principal & interest$2,086
Property taxes$285
Insurance$200
HOA$520
Down payment20% · $80,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $400,000
$395,000 – $400,000
98.8% – 100% of listTops out right at the list price
80% of listList price
175 of the last 349 home closings in 34221 landed at this number or higher (50%). The median one sat 47 days before it went under contract, and this one is on day 78 after a $30,000 cut.

Sample: 349 closed home sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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