2320 TERRA CEIA BAY BOULEVARD UNIT 203, PALMETTO, FL, 34221
Active809 days on marketListed May 24, 2024MLS #A4611729
About this home
2320 TERRA CEIA BAY BOULEVARD UNIT 203
One or more photo(s) has been virtually staged. Virtually Staged. Price Reduced to $169,900! Enjoy maintenance free Florida living in this beautifully updated 2 bedroom, 2 bathroom condo in the gated Terra Ceia Bay community. Overlooking the golf course, this move in ready home features luxury vinyl plank flooring, granite countertops, stainless steel appliances, a desirable split bedroom floor plan, and a spacious primary suite with a walk in closet and dual sink vanity. Major updates include a new HVAC system and water heater in 2024. Enjoy an elevator building with a private pool, fitness center, and recreation room, plus resort style amenities including golf, pickleball, tennis, clubhouse dining, tiki bar, fishing pier, and scenic walking paths.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
978
Sqft
3.2 ac
Lot size
1991
Year built
One
Levels
$174
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.
$2,358 /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
$2,358/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.
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
−10.7%
$/sqft vs Palmetto actives
$174 vs $205
Days on market
809 vs 59 typical
Where $174/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 → $359K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
228 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 57% below the Palmetto 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 203
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$149,900
2320 TERRA CEIA BAY BOULEVARD UNIT 304 · same community
2 bd · 2 ba · 978 sqft · $153/sqft · 119 DOM
Sold · Aug ’25$145,000
2320 TERRA CEIA BAY BOULEVARD UNIT 305 · same community
2 bd · 2 ba · 978 sqft · $148/sqft · 134 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2320 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 2320 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
2320 TERRA CEIA BAY BOULEVARD UNIT 203 FAQs
What would the monthly payment be for 2320 TERRA CEIA BAY BOULEVARD UNIT 203?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,358/mo — principal and interest, the actual property-tax bill, the $843/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 203?+
The association fee works out to $843 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 203?+
The most recent tax bill on record (2023) was $3,352. 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 203?+
The listing reports pets: 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 $169,900, this home is listed about 57% below the Palmetto median of $398,000. The market section on this page shows how the area is trending.
The brief
Five things that matter here
01Under the Palmetto market on paper
$169,900 is 57% below the Palmetto median of $398,000, and at $174/sqft it sits under the Palmetto average of $232.
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 $843/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
809 days on market against a Palmetto median of 59 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $235,000, now $169,900 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LOCALS REALTY · Sherri McNeely. MLS #A4611729.
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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