2320 TERRA CEIA BAY BOULEVARD UNIT 711, PALMETTO, FL, 34221
Active1 days on marketListed Nov 6, 2026MLS #A4711938
About this home
2320 TERRA CEIA BAY BOULEVARD UNIT 711
Experience the charm of coastal living in this beautifully appointed, turnkey 1-bedroom, 1-bath condo located on the 7th floor of Terra Ceia Club Condo. Enjoy picturesque views of the tranquil pond and Terra Ceia Bay, along with breathtaking sunsets from this inviting residence. The updated kitchen features quartz countertops, newer appliances, and a 5-stage reverse osmosis water filtration system. Newer furnishings throughout, including a sleeper sofa just two years old, add comfort and convenience for owners and guests alike. Additional storage in the laundry closet adds everyday practicality. Offered TURNKEY, this condo is an ideal seasonal retreat, year-round residence, or attractive investment opportunity with rental income potential. Milestone and SIRS inspections have been completed for added peace of mind. Terra Ceia Club Condo residents enjoy their own heated swimming pool and fitness center, along with access to additional recreational and social amenities, including golf, tennis, pickleball, and dining at the Back Bay Grill, available for additional fees. Ideally situated along Florida's beautiful Gulf Coast, this hidden gem offers convenient access to shopping, arts and entertainment, marinas, boating, fishing, major league sports, and three international airports. The renowned beaches of Anna Maria Island, Siesta Key, and Clearwater Beach are all within easy reach. Whether unwinding with a peaceful sunset overlooking the bay or enjoying the community's recreational and social opportunities, this residence captures the essence of Florida coastal living!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
728
Sqft
3.19 ac
Lot size
1991
Year built
Three Or More
Levels
$151
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.
$1,830 /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
$1,830/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
−27.5%
$/sqft vs Palmetto actives
$151 vs $200
Days on market
1 vs 73 typical
Where $151/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)
244 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 70% 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 711
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
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2320 TERRA CEIA BAY BOULEVARD UNIT 711 — 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 711 — before you fall in love.
See it in person
Schedule a tour
Live availability from Derrion's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2320 TERRA CEIA BAY BOULEVARD UNIT 711 FAQs
What would the monthly payment be for 2320 TERRA CEIA BAY BOULEVARD UNIT 711?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,830/mo — principal and interest, the actual property-tax bill, the $639/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 2320 TERRA CEIA BAY BOULEVARD UNIT 711?+
The association fee works out to $639 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2320 TERRA CEIA BAY BOULEVARD UNIT 711?+
The most recent tax bill on record (2025) was $2,728. 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 711?+
The listing reports pets: Number Limit, Size Limit, 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 $110,000, this home is listed about 72% 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 711?+
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
$110,000 is 70% below the PALMETTO 34221 median of $365,000, and at $151/sqft it sits under the Palmetto average of $228.
02Golf Course & Trees/Woods & Water views
The golf course and trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $639/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 1 day on market in a Palmetto market that averages 73 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Lori Skaggs. MLS #A4711938.
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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