2925 TERRA CEIA BAY BOULEVARD UNIT 2703, PALMETTO, FL, 34221
Active269 days on marketListed Feb 11, 2026MLS #TB8462984
About this home
2925 TERRA CEIA BAY BOULEVARD UNIT 2703
PRICE IMPROVEMENT! Experience Florida waterfront living in this beautifully maintained 2-bedroom PLUS DEN residence featuring PANORAMIC WATER VIEWS of Terra Ceia Bay, the Sunshine Skyway Bridge, and the St. Petersburg skyline. Furnishings may also be available under a separate personal property agreement, providing an opportunity for an easy transition to the Florida lifestyle. Designed for comfortable coastal living, this move-in-ready condominium offers an open-concept layout, desirable split-bedroom floor plan, soaring ceilings, and abundant natural light. Step outside onto the expansive PRIVATE BALCONY to enjoy morning coffee, bay breezes, and spectacular sunsets over the water. Inside, thoughtful finishes and a spacious layout create an inviting setting for both everyday living and entertaining. The versatile den offers additional space for a home office, media room, or guest accommodations. The primary suite features direct terrace access, while the open living and dining areas take full advantage of the impressive water views. Located within a GATED GOLF COURSE COMMUNITY, residents enjoy a RESORT-STYLE POOL, SPA, FIREPIT, scenic 500-foot FISHING PIER, and NATURE TRAIL through native Florida surroundings. Optional club membership provides access to additional amenities including an 18-hole executive golf course, tennis courts, fitness center, dining, and tiki bar. Golf opportunities are available without mandatory club membership. Enjoy convenient access to downtown Bradenton, historic Palmetto, area shopping and dining, Emerson Point Preserve, and the surrounding Gulf Coast. The nearby water ferry provides another way to experience the area's coastal destinations and beaches. With convenient access to Sarasota, St. Petersburg, Tampa, SRQ, and TPA, this residence is well suited for full-time or seasonal living. LIVE WHERE OTHERS VACATION! Wake up to expansive water views, enjoy memorable Florida sunsets, and lock and leave with ease. With its PRICE IMPROVEMENT and the opportunity to acquire furnishings separately, this is Florida WATERFRONT LIVING done right.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,039
Sqft
2007
Year built
One
Levels
$294
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.
$5,969 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$5,969/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.
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
+52.1%
$/sqft vs Palmetto actives
$294 vs $200
Days on market
269 vs 73 typical
Where $294/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)
255 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 64% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2925 TERRA CEIA BAY BOULEVARD UNIT 2703
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$258,000
2700 10TH STREET W
4 bd · 2 ba · 2,094 sqft · $123/sqft · 246 DOM
Sold · Jun ’26$358,000
2628 10TH STREET W
4 bd · 2 ba · 2,130 sqft · $168/sqft · 8 DOM
Sold · Mar ’26$460,000
2105 14TH STREET W
3 bd · 2.5 ba · 1,934 sqft · $238/sqft · 2 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2925 TERRA CEIA BAY BOULEVARD UNIT 2703 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2925 TERRA CEIA BAY BOULEVARD UNIT 2703 — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2925 TERRA CEIA BAY BOULEVARD UNIT 2703 FAQs
What would the monthly payment be for 2925 TERRA CEIA BAY BOULEVARD UNIT 2703?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,969/mo — principal and interest, the actual property-tax bill, the $1,025/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 2925 TERRA CEIA BAY BOULEVARD UNIT 2703?+
The association fee works out to $1,025 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2925 TERRA CEIA BAY BOULEVARD UNIT 2703?+
The most recent tax bill on record (2024) was $9,483. 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 2925 TERRA CEIA BAY BOULEVARD UNIT 2703?+
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 $599,000, this home is listed about 51% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 2925 TERRA CEIA BAY BOULEVARD UNIT 2703?+
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
Five things that matter here
01Positioned at the premium end
$599,000 runs 64% above the PALMETTO 34221 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,025/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
269 days on market against a Palmetto median of 73 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $690,000, now $599,000 — a $91K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Angel Wilkinson. MLS #TB8462984.
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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