1831 BAYSHORE DRIVE, TERRA CEIA, FL, 34250
Active2 days on marketListed Sep 18, 2026MLS #A4706582
About this home
1831 BAYSHORE DRIVE
Discover the rhythm of "Old Florida" on Terra Ceia Island, a hidden coastal sanctuary where life moves at the pace of the tides. This isn't just a place to live; it’s a vibrant community where golf cart parades and the annual Mullet Festival are part of the local fabric. Surrounded by the protected waters of Miguel Bay and the Terra Ceia Bay aquatic preserves, your daily backdrop includes sightings of manatees, dolphins, and the vibrant pink plumage of roseate spoonbills on a 30 foot dock. Tucked into this serene landscape is a tastefully updated three-bedroom, two-bathroom retreat that perfectly captures the island’s sophisticated yet laid-back spirit. The heart of the home is an open floor plan anchored by a recently remodeled kitchen, designed for both effortless entertaining and quiet mornings. The living space extends into a stunning Florida Room, where exposed ceiling beams and shiplap accents create an atmosphere of rustic coastal elegance. Energy-efficient vinyl high-impact insulated windows offer peace of mind throughout. Outside, the property is a true boater’s paradise and a private tropical oasis on an 80 ft wide canal. A dock constructed in 2023, equipped with a 6,000lb boat lift, offers direct access to the calm waters of the bay—perfect for kayaking, paddleboarding, or heading out to the Gulf. The expansive yard is fully fenced and serves as a lush sanctuary featuring a variety of tropical fruit trees, including lychee, papaya, mango, and pomegranate. Practicality meets the island lifestyle with two storage sheds and ample trailer parking for all your coastal toys. With the Sunshine Skyway Bridge just moments away, you have a seamless commute to the metropolitan dining, shopping, and culture of St. Pete, Tampa, and Sarasota. This is a rare opportunity to own a piece of island history, modernized for today’s lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,669
Sqft
0.23 ac
Lot size
1959
Year built
One
Levels
$395
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 and the real association fee — not generic estimates.
$4,234 /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
$4,234/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
+46.2%
$/sqft vs Terra Ceia actives
$395 vs $421
Days on market
2 vs 110 typical
Where $395/sqft sits among the 8 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 8
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 12% below the TERRA CEIA 34250 median. See the full Terra Ceia market guide →
Paper trail
This home's history
Reality check
What actually sold near 1831 BAYSHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$825,000
115 BURNS ROAD · same community
3 bd · 2 ba · 1,568 sqft · $526/sqft · 25 DOM
Sold · Nov ’25$1,025,000
1825 BAYSHORE DRIVE · same community
4 bd · 3 ba · 2,954 sqft · $347/sqft · 20 DOM
Sold · Aug ’26$1,550,000
125 BURNS ROAD · same community
4 bd · 4 ba · 3,042 sqft · $510/sqft · 140 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1831 BAYSHORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1831 BAYSHORE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1831 BAYSHORE DRIVE FAQs
What would the monthly payment be for 1831 BAYSHORE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,234/mo — principal and interest, the actual property-tax bill, the $21/mo association fee 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.
How much are the HOA fees at 1831 BAYSHORE DRIVE?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1831 BAYSHORE DRIVE?+
The most recent tax bill on record (2025) was $2,997. 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 1831 BAYSHORE DRIVE?+
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 $659,000, this home is listed about 34% below the Terra Ceia median of $997,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1831 BAYSHORE DRIVE?+
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
01Under the TERRA CEIA 34250 market on paper
$659,000 is 12% below the TERRA CEIA 34250 median of $749,900, and at $395/sqft it sits under the Terra Ceia average of $487.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Terra Ceia market that averages 110 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Stephanie Leitao, LLC. MLS #A4706582.
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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