
3 MICHIANA PLACE, TERRA CEIA, FL, 34250
Active163 days on marketListed Apr 30, 2026MLS #A4690122
About this home
3 MICHIANA PLACE
For the dedicated angler and the true salt-water soul, this is the ultimate gateway to the Tampa Bay and the Gulf of Mexico on Terra Ceia Aquatic Preserve. Standing on your private 165-foot Trex dock, you aren’t just looking at the water—you’re immersed in the very best of "Old Florida" on Miguel Bay. This expansive waterfront setup is a boater’s dream, designed so you can spend more time on the water and less time getting there. The dock is fully equipped for a seamless transition from land to sea, featuring a remote-controlled lift, power, water, and a dedicated kayak launch. Serious fishers will appreciate the specialized storage for boating supplies, a high-capacity ice machine, and a deep freezer chest ready for the day's haul. When the sun goes down, the underwater dock light transforms the space, attracting snook and local marine life right to your feet. From your backyard, you have direct access to open water and the world-class fishing of Terra Ceia. Whether you’re chasing trophy reds in the shallow flats or heading out for a sunset cruise, the access here is unmatched. The property even features its own private shell beach, offering a rugged, natural elegance that feels worlds away from the hustle. Inside, the four-bedroom retreat is just as impressive, anchored by a modern chef’s kitchen with a Samsung Bespoke glass appliance suite and sleek Sunset quartz countertops. It’s the perfect spot to prep the catch of the day while guests gather around the oversized island. With no HOA or leasing restrictions and a location that puts you at the foot of the Sunshine Skyway, you have the freedom to live the coastal life exactly how you’ve always imagined. This is more than a home; it’s a front-row seat to the finest waters in the state.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,144
Sqft
0.28 ac
Lot size
1
Garage
1939
Year built
One
Levels
$746
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.
$9,776 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,776/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+90.4%
$/sqft vs Terra Ceia actives
$746 vs $411
Days on market
163 vs 134 typical
Where $746/sqft sits among the 9 Terra Ceia 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 Terra Ceia
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Terra Ceia. See the full Terra Ceia guide →
TERRA CEIA 34250 — neighborhood snapshot
Population
416
Median age
57.8
Median income
$153,566
Median home value
$921,100
Avg household
2.19
Households w/ children
28%
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Terra Ceia market
$1.1M → $1.6M
Terra Ceia median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
7 of 9
Terra Ceia actives have cut their price
Median sold price, Terra Ceia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 122% above the TERRA CEIA 34250 median. See the full Terra Ceia market guide →
Paper trail
This home's history
Reality check
What actually sold near 3 MICHIANA PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$2,100,000
5930 GULF OF MEXICO DRIVE · same community
3 bd · 2 ba · 2,570 sqft · $817/sqft · 600 DOM
Sold · Mar ’26$402,500
2805 49TH STREET E · same community
3 bd · 2 ba · 1,408 sqft · $286/sqft · 94 DOM
Sold · Sep ’26$825,000
145 BURNS ROAD
3 bd · 3 ba · 2,040 sqft · $404/sqft · 527 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 3 MICHIANA PLACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3 MICHIANA PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3 MICHIANA PLACE FAQs
What would the monthly payment be for 3 MICHIANA PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,776/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 3 MICHIANA PLACE?+
The most recent tax bill on record (2025) was $4,585. 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 3 MICHIANA PLACE?+
The listing reports pets: Cats OK, Dogs OK. 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 Terra Ceia?+
At $1,599,990, this home is listed about 74% above the Terra Ceia median of $918,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3 MICHIANA PLACE?+
Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,599,990 runs 122% above the TERRA CEIA 34250 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $1,799,990, now $1,599,990 — a $200K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Stephanie Leitao, LLC. MLS #A4690122.
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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