124 BURNS ROAD, TERRA CEIA, FL, 34250
Active377 days on marketListed Jul 13, 2025MLS #A4658583
About this home
124 BURNS ROAD
Waterfront living on historic Terra Ceia Island. This exceptional 85 by 120 homesite offers direct saltwater canal access to Tillette Bayou, placing you just minutes from open Gulf waters and world-class boating. Surrounded by well-maintained custom homes, the property is nestled in one of Manatee County’s most coveted coastal enclaves—offering the peace of Old Florida with unmatched proximity to modern conveniences. Located just off the southern base of the Skyway Bridge, you’re minutes from I-275, I-75, and US-19, with easy connections to St. Pete, Tampa, Bradenton, and Anna Maria Island. The lot includes a private dock and kayak launch. Power is already at the site, along with a private well and county water meter, giving future owners a valuable head start on their build. Zoned residential with no HOA and no CDD, the property offers exceptional flexibility for a custom waterfront residence, seasonal escape, or long-term investment. Opportunities like this are rare on Terra Ceia. Schedule your tour today and take the first step toward creating something truly special in one of Florida’s most charming and historic waterfront communities.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$2,789 /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
$2,789/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.
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
$470K → $1.3M
Terra Ceia median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Terra Ceia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% below the TERRA CEIA 34250 median. See the full Terra Ceia market guide →
Paper trail
This home's history
Reality check
What actually sold near 124 BURNS ROAD
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$825,000
115 BURNS ROAD · same community
3 bd · 2 ba · 1,568 sqft · $526/sqft · 25 DOM
Sold · Nov ’25$1,025,000
1825 BAYSHORE DRIVE · same community
4 bd · 3 ba · 2,954 sqft · $347/sqft · 20 DOM
Sold · Apr ’26$539,900
4912 BEACON ROAD
2 bd · 1 ba · 1,232 sqft · $438/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 124 BURNS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 124 BURNS ROAD — 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
124 BURNS ROAD FAQs
What would the monthly payment be for 124 BURNS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,789/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 124 BURNS ROAD?+
The most recent tax bill on record (2024) was $3,066. 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 124 BURNS 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 $375,000, this home is listed about 71% below the Terra Ceia median of $1,274,000. The market section on this page shows how the area is trending.
Which schools are assigned to 124 BURNS ROAD?+
Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the TERRA CEIA 34250 market on paper
$375,000 is 54% below the TERRA CEIA 34250 median of $809,500.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
377 days on market against a Terra Ceia median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $450,000, now $375,000 — a $75K cut. The full history is in the market section below.
Listing courtesy of LESLIE WELLS REALTY, INC. · Matthew Bender. MLS #A4658583.
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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