849 TERRA CEIA ROAD, TERRA CEIA, FL, 34250
Active9 days on marketListed Oct 1, 2026MLS #TB8552133
About this home
849 TERRA CEIA ROAD
Welcome to an exceptional residence offering more than 4,300 square feet of thoughtfully designed living space, with an inviting layout that provides both comfortable everyday living and generous spaces for entertaining. The main living areas feature beautiful hardwood flooring, an expansive great room serves as the heart of the home, boasting dramatic 20-foot ceilings. Experience seamless indoor-outdoor living with a fully retractable pocket door that completely opens one side of the room to a magnificent two-story, no-see-um screened pool enclosure—perfect for fully immersing yourself in the gentle Florida winters. A spacious kitchen that opens naturally to the living area, creating an ideal setting for gathering with family and guests. The main-level primary suite offers a private retreat with a generous walk-in closet and direct access to the home's expansive balcony overlooking the pool. A private second-level guest suite provides additional comfort and privacy, complete with a spa-inspired bath and screened balcony. Outdoor living is a true highlight, with a resort-style pool featuring a tranquil rock waterfall, lush tropical landscaping, and a mist-cooling system. Multiple outdoor areas provide plenty of space to relax, entertain, or simply enjoy the Florida lifestyle. Additional living and recreation areas include a private home theater/bonus room, a personal home gym, and a bar that opens directly to the pool and patio for exceptional indoor–outdoor entertaining. The three-car garage also provides substantial additional space on the lower level. Conveniently located for access to both St. Petersburg and Tampa, this distinctive property offers an abundance of living space, flexible areas for entertaining and recreation, and an exceptional indoor-outdoor lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
4,308
Sqft
1.71 ac
Lot size
3
Garage
2008
Year built
Two
Levels
$415
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.
$11,870 /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
$11,870/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
−12.9%
$/sqft vs Terra Ceia actives
$415 vs $461
Days on market
9 vs 134 typical
Where $415/sqft sits among the 10 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)
8 of 10
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 149% 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 849 TERRA CEIA ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,790,000
5509 2ND AVENUE CIRCLE W
4 bd · 4 ba · 3,642 sqft · $491/sqft · 3 DOM
Sold · Feb ’26$850,000
1841 BAYSHORE DRIVE
3 bd · 2 ba · 3,440 sqft · $247/sqft · 50 DOM
Sold · May ’26$1,180,000
455 HORSESHOE LOOP ROAD
4 bd · 3.5 ba · 3,298 sqft · $358/sqft · 11 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 849 TERRA CEIA ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 849 TERRA CEIA ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
849 TERRA CEIA ROAD FAQs
What would the monthly payment be for 849 TERRA CEIA ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,870/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 849 TERRA CEIA ROAD?+
The most recent tax bill on record (2025) was $16,624. 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 849 TERRA CEIA ROAD?+
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 Terra Ceia?+
At $1,789,000, this home is listed about 95% 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 849 TERRA CEIA ROAD?+
Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Thomas Tucker. MLS #TB8552133.
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.
Never miss a listing
New Terra Ceia homes, in your inbox
Like 849 TERRA CEIA ROAD but not quite? A daily digest of every new listing in Terra Ceia — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Colleen to ping you on any price or status change →