2725 TERRA CEIA BAY BOULEVARD UNIT 203, PALMETTO, FL, 34221
Active985 days on marketListed Nov 28, 2023MLS #A4590733
About this home
2725 TERRA CEIA BAY BOULEVARD UNIT 203
THE ESTUARIES at TERRA CEIA GULF AND BAY CLUB. Now available is this absolutely fabulous 1 bedroom 2 bathroom second floor condo overlooking Terra Ceia Bay from the screened in lanai. This condo features an eat in kitchen, open floor plan with a living room and dining area combination and the second bedroom has been turned into an office/ den/ reading room. You will love the Western exposure of this condo and your views of beautiful sunsets sunsets over the bay. Terra Ceia Bay Club is conveniently located within minutes to downtown Palmetto and the waterfront district and just over the Green Bridge and the Manatee River to Bradenton`s River Walk area. Terra Ceia is conveniently located to the I-75 and I-275 interstate exchange access to travel to St. Petersburg, Tampa or Sarasota. This condo is perfect for transitional housing and available as a seasonal or off season rental. There is a satellite community pool across the street for your enjoyment. Terra Ceia Gulf and Bay Club also has exceptional amenities such as an on site restaurant, pro shop and golfing, fitness center, tennis and pickleball courts, fishing pier and wonderful sidewalks to enjoy an evening walk. (Utilities are included with a $100 cap on the electric).
Facts & features
The home at a glance
1
Bedrooms
2
Bathrooms
1,106
Sqft
0 ac
Lot size
1995
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$183 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$183/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Palmetto actives
$3 vs $205
Days on market
985 vs 57 typical
Where $3/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 →
The numbers that matter
The Palmetto market
$359K → $355K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
230 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 99% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2725 TERRA CEIA BAY BOULEVARD UNIT 203
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$218,500
2725 TERRA CEIA BAY BOULEVARD UNIT 207 · same community
2 bd · 2 ba · 1,256 sqft · $174/sqft · 97 DOM
Sold · Feb ’26$215,000
2725 TERRA CEIA BAY BOULEVARD UNIT 107 · same community
2 bd · 2 ba · 1,256 sqft · $171/sqft · 130 DOM
Sold · Mar ’26$219,000
57 EDESSA DRIVE
2 bd · 2 ba · 1,128 sqft · $194/sqft · 5 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2725 TERRA CEIA BAY BOULEVARD UNIT 203 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2725 TERRA CEIA BAY BOULEVARD UNIT 203 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2725 TERRA CEIA BAY BOULEVARD UNIT 203 FAQs
What would the monthly payment be for 2725 TERRA CEIA BAY BOULEVARD UNIT 203?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $183/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 2725 TERRA CEIA BAY BOULEVARD UNIT 203?+
The listing reports pets: 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 Palmetto?+
At $3,200, this home is listed about 99% below the Palmetto median of $394,999. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Palmetto market on paper
$3,200 is 99% below the Palmetto median of $394,999, and at $3/sqft it sits under the Palmetto average of $231.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
985 days on market against a Palmetto median of 57 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of PERLA'S PROPERTIES, LLC · Perla Whitaker. MLS #A4590733.
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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