2320 TERRA CEIA BAY BOULEVARD UNIT 811, PALMETTO, FL, 34221
Active352 days on marketListed Nov 20, 2025MLS #A4672641
About this home
2320 TERRA CEIA BAY BOULEVARD UNIT 811
*NEW PRICE! Live Above It All at Palms of Terra Ceia Bay!** Enjoy beautiful 8th-floor views from this updated 1-bedroom, 1-bath penthouse condo overlooking farmland, the golf course, and Terra Ceia Bay. This move-in-ready condo features a **2024 hot water heater, 2024 dishwasher, in-unit stackable washer/dryer, and a water filtration system in the kitchen.** Enjoy views in every direction and convenient access to I-75, downtown Bradenton, Parrish, St. Petersburg, area airports, and Gulf beaches. Palms of Terra Ceia Bay offers an active Florida lifestyle with **pickleball and tennis courts, a pool, high-speed internet, assigned parking, a 500-foot fishing pier with Skyway Bridge views, and a scenic mangrove boardwalk.** This condo also has **one of the lowest condo fees in the building.** Whether you're looking for a full-time residence, seasonal retreat, or investment property, this condo offers an opportunity to enjoy the Palms of Terra Ceia Bay lifestyle.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
728
Sqft
3.18 ac
Lot size
1991
Year built
One
Levels
$158
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 — not generic estimates.
$1,238 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,238/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−23.4%
$/sqft vs Palmetto actives
$158 vs $200
Days on market
352 vs 73 typical
Where $158/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 Palmetto
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
PALMETTO 34221 — neighborhood snapshot
Population
56,208
Median age
45.5
Median income
$77,712
Median home value
$338,600
Avg household
2.6
Households w/ children
4,828
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
$375K → $390K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
254 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 68% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2320 TERRA CEIA BAY BOULEVARD UNIT 811
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$115,000
2320 TERRA CEIA BAY BOULEVARD UNIT 807 · same community
2 bd · 2 ba · 936 sqft · $123/sqft · 0 DOM
Sold · Dec ’25$149,900
2320 TERRA CEIA BAY BOULEVARD UNIT 304 · same community
2 bd · 2 ba · 978 sqft · $153/sqft · 119 DOM
Sold · Mar ’26$122,500
2320 TERRA CEIA BAY BOULEVARD UNIT 202 · same community
2 bd · 2 ba · 978 sqft · $125/sqft · 63 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2320 TERRA CEIA BAY BOULEVARD UNIT 811 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2320 TERRA CEIA BAY BOULEVARD UNIT 811 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2320 TERRA CEIA BAY BOULEVARD UNIT 811 FAQs
What would the monthly payment be for 2320 TERRA CEIA BAY BOULEVARD UNIT 811?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,238/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2320 TERRA CEIA BAY BOULEVARD UNIT 811?+
The most recent tax bill on record (2023) was $2,855. 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 2320 TERRA CEIA BAY BOULEVARD UNIT 811?+
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 $115,000, this home is listed about 71% below the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 2320 TERRA CEIA BAY BOULEVARD UNIT 811?+
Virgil Mills Elementary School (elementary), Buffalo Creek Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALMETTO 34221 market on paper
$115,000 is 68% below the PALMETTO 34221 median of $365,000, and at $158/sqft it sits under the Palmetto average of $228.
02Golf Course & Pool & Water views
The golf course and pool and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
352 days on market against a Palmetto median of 73 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $177,000, now $115,000 — a $62K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BRIGHT REALTY · Taren Myrick. MLS #A4672641.
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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