2320 TERRA CEIA BAY BOULEVARD UNIT 706, PALMETTO, FL, 34221
Active267 days on marketListed Nov 15, 2025MLS #A4670231
About this home
2320 TERRA CEIA BAY BOULEVARD UNIT 706
PRICE IMPROVEMENT TO $180,000! Beautifully updated and furnished 2-bedroom, 2-bath condo offering comfort, value, and a relaxed Florida lifestyle in Terra Ceia Bay Club. This light and bright residence has been nicely updated throughout, including NEW FLOORING, a refreshed kitchen, and both bathrooms featuring WHITE SHAKER CABINETRY and NEW COUNTERTOPS. The clean, modern finishes give the home an inviting, move-in-ready feel that stands out beautifully. The open and welcoming layout offers comfortable living and dining spaces, a furnished interior, and a bright Florida feel throughout. Enjoy views from both the balcony and front entry area, along with the benefit of living in a waterfront community with desirable amenities. Terra Ceia Bay Club offers a community pool, nature trail, fishing pier, clubhouse restaurant, and pay-to-play golf, allowing you to enjoy the lifestyle without a mandatory golf membership. Conveniently located near shopping, restaurants, medical facilities, marinas, downtown Bradenton, St. Petersburg, Sarasota, and area beaches, this updated condo is ideal as a full-time residence, seasonal retreat, or Florida getaway. With the PRICE IMPROVEMENT TO $180,000, this furnished and updated condo offers an excellent opportunity for buyers looking for value, convenience, and the Florida lifestyle in a well-established community.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
978
Sqft
1991
Year built
One
Levels
$184
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 — not generic estimates.
$1,619 /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
$1,619/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
+14.7%
$/sqft vs Palmetto actives
$184 vs $205
Days on market
267 vs 57 typical
Where $184/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)
231 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 706
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 706 — 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 706 — 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 706 FAQs
What would the monthly payment be for 2320 TERRA CEIA BAY BOULEVARD UNIT 706?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,619/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 2320 TERRA CEIA BAY BOULEVARD UNIT 706?+
The most recent tax bill on record (2024) was $3,835. 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 706?+
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 $180,000, this home is listed about 54% below the Palmetto median of $394,999. 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
$180,000 is 54% below the Palmetto median of $394,999, and at $184/sqft it sits under the Palmetto average of $231.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
267 days on market against a Palmetto median of 57 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $220,000, now $180,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Becky Mallari. MLS #A4670231.
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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