2320 TERRA CEIA BAY BOULEVARD UNIT 206, PALMETTO, FL, 34221
Active517 days on marketListed Mar 12, 2025MLS #A4643643
About this home
2320 TERRA CEIA BAY BOULEVARD UNIT 206
**COULD BE SOLD TURN KEY** Discover the pinnacle of Florida resort living in this immaculate, move-in-ready home situated in the highly desirable Terra Ceia Country Club. Imagine waking up to breathtaking golf course views that create a stunning backdrop for your lifestyle. Picture yourself unwinding on your private screened-in balcony, savoring mesmerizing sunsets and the tranquility of nature. Step inside to find a freshly updated kitchen designed for entertaining, featuring beautiful granite countertops, state-of-the-art appliances, and extra seating at the breakfast bar—perfect for hosting family and friends. The thoughtful layout emphasizes both privacy and functionality, allowing for a seamless flow throughout the home. And here's an exciting bonus: the living room is already set up for a wet bar, presenting you with the ideal opportunity to craft your own cocktail lounge or cozy coffee station! Furnishings can be negotiated to fit your taste perfectly. Just steps from your doorstep, experience unparalleled resort-style amenities that make every day feel like a vacation. Enjoy the heated pool, fitness center, an 18-hole executive golf course, an on-site restaurant and tiki bar, tennis and pickleball courts, a scenic bayside fishing pier, and beautiful boardwalk trails. This home not only offers luxury but also ultimate convenience; with easy access to I-75 and I-275, you'll have quick commutes to Tampa, St. Petersburg, Sarasota, and the iconic Gulf beaches. Plus, with three major airports nearby—Sarasota-Bradenton International, Tampa International, and St. Pete-Clearwater International—you'll always be a short flight away from your next adventure. Whether you're searching for a seasonal getaway or a year-round sanctuary, this home encapsulates the perfect blend of luxury, peace, and accessibility. Don’t let this opportunity slip away—schedule your private showing today and see if this is your dream home!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
936
Sqft
3.19 ac
Lot size
1991
Year built
One
Levels
$197
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.
$2,280 /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
$2,280/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
+27.3%
$/sqft vs Palmetto actives
$197 vs $205
Days on market
517 vs 59 typical
Where $197/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)
229 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 54% 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 206
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 · Aug ’25$145,000
2320 TERRA CEIA BAY BOULEVARD UNIT 305 · same community
2 bd · 2 ba · 978 sqft · $148/sqft · 134 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 206 — 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 206 — 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 206 FAQs
What would the monthly payment be for 2320 TERRA CEIA BAY BOULEVARD UNIT 206?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,280/mo — principal and interest, the actual property-tax bill, the $664/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 206?+
The association fee works out to $664 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 206?+
The most recent tax bill on record (2024) was $3,501. 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 206?+
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 $184,000, this home is listed about 54% below the Palmetto median of $398,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the Palmetto market on paper
$184,000 is 54% below the Palmetto median of $398,000, and at $197/sqft it sits under the Palmetto average of $232.
02Know the monthly fee
The association fee is $664/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
517 days on market against a Palmetto median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $220,000, now $184,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOUSE MATCH · Rachel Woodruff, PA. MLS #A4643643.
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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