David Ramirez
$2,600,000$2,700,000$15,176 /mo all-in ↓

1460 BAYSHORE DRIVE, TERRA CEIA, FL, 34250

Active307 days on marketListed Sep 30, 2025MLS #A4662872

Reduced $100KWaterfrontLILES AND STANTON

About this home

1460 BAYSHORE DRIVE

Welcome to Mariner’s Retreat, an extraordinary waterfront estate and development opportunity in the heart of historic Terra Ceia, Florida. Nestled along more than 475 feet of pristine shoreline on Tillette Bayou and Terra Ceia Bay, this rare Old Florida sanctuary spans approximately 9.64 acres across three parcels, offering a seamless blend of private coastal living and investment-grade potential. Anchoring the estate at 1470 Bayshore Drive is a meticulously updated, three-story residence encompassing over 3,600 square feet under air with a brand new roof. Renovated in 2018, the home features impact-rated windows and doors, an updated kitchen and baths, new flooring and lighting, and a 2023 HVAC system. Mangrove trimming is underway to enhance sweeping water views—all the way to the iconic Sunshine Skyway Bridge. From the private dock, enjoy direct boating access to Terra Ceia Bay and the Gulf of Mexico within minutes. Whether it’s world-class fishing, dolphin sightings, or tranquil sunset cruises, life here flows with the rhythms of the water. Beyond the residence, the offering includes two development parcels across the street—1450 and 1460 Bayshore Drive—totaling over 8 acres of upland terrain with mature Florida landscape. Supported by a completed environmental study, these parcels offer the potential for additional homesites to be built under Planned Development Residential (PD-R) zoning and a RES-1 land use designation. Specifics available upon request. The entire estate falls within Flood Zone AE, with base elevations of 9 to 10 feet, and offers flexible acquisition options, including the ability to purchase the entire estate or individual parcels. Owner financing may be considered for qualified buyers along with additional information and environmental reports. Mariner’s Retreat presents a rare opportunity to own a legacy estate that captures the timeless charm of Old Florida, while offering unique potential for future development or multi-generational living. All within easy access to St. Petersburg, Tampa, and the I-275 corridor—yet worlds away from the ordinary.

Facts & features

The home at a glance

9.64 ac

Lot size

WaterfrontTrees/Woods & Water view

Inside

Outside & construction

ViewTrees/Woods · Water

Community & fees

Taxes (2024)$133/yr

Utilities & systems

UtilitiesCable Available · Cable Connected · Electrical Nearby · Electricity Available · Sewer Available · Sewer Connected · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$15,176 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$14,029
PMI (est., until 20% equity)$975
Property tax — 2024 actual bill$11
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $260,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $260,000
Interest rate6.00%
Loan term

Estimated payment

$15,176/mo

Principal & interest$14,029
PMI (est., until 20% equity)$975
Property taxes (actual bill)$11
Est. insurance$160

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.

Where it sits

Inside Terra Ceia

Map of 1460 BAYSHORE DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)46 min
Downtown Tampa47 min

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

HighPalmetto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Terra Ceia market

Seller’s marketLeans buyer10.0 months of inventoryBuyer’s 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 247% above the TERRA CEIA 34250 median. See the full Terra Ceia market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,600,000 $100K
Sep 30, 2025Listed at $2,700,000 · 307 days on market since

Reality check

What actually sold near 1460 BAYSHORE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

603 48TH STREET WSold · May ’26

$239,000

603 48TH STREET W

3 bd · 1 ba · 987 sqft · $242/sqft · 4 DOM

324 43RD STREET BOULEVARD WSold · Oct ’25

$295,000

324 43RD STREET BOULEVARD W

3 bd · 2 ba · 988 sqft · $299/sqft · 9 DOM

5004 3RD AVENUE WSold · Feb ’26

$290,000

5004 3RD AVENUE W

3 bd · 2 ba · 1,053 sqft · $275/sqft · 52 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1460 BAYSHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1460 BAYSHORE DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

1460 BAYSHORE DRIVE FAQs

What would the monthly payment be for 1460 BAYSHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,176/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 1460 BAYSHORE DRIVE?+

The most recent tax bill on record (2024) was $133. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Terra Ceia?+

At $2,600,000, this home is listed about 104% above 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 1460 BAYSHORE DRIVE?+

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

01Positioned at the premium end

$2,600,000 runs 247% above the TERRA CEIA 34250 median.

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

307 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 $2,700,000, now $2,600,000 — a $100K cut. The full history is in the market section below.

Listing courtesy of KW SUNCOAST · Stephanie Paxton. MLS #A4662872.

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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