2905 CAPTAINS COURT UNIT 0, PALMETTO, FL, 34221
Active209 days on marketListed Jan 10, 2026MLS #A4677223
About this home
2905 CAPTAINS COURT UNIT 0
**Experience the best of Florida living in this spacious 3-bedroom, 2-bathroom condo located in the desirable gated waterfront golf community of Terra Ceia Bay Golf & Country Club.** Nestled on a quiet cul-de-sac, this well-maintained home offers a peaceful setting with an inviting open floor plan, vaulted ceilings, and beautiful ceramic tile flooring throughout the main living areas. The thoughtfully designed kitchen features a breakfast bar and opens seamlessly to the dining and living spaces, creating the perfect flow for everyday living and entertaining. Enjoy your morning coffee or unwind at the end of the day in the relaxing Florida room, where you can take in the tranquil surroundings, lush landscaping, and refreshing coastal breezes. This **turnkey furnished** residence includes a private **2-car garage** and a **new roof installed in 2023**, providing added peace of mind. The monthly association fee offers exceptional value, including **high-speed internet, cable, landscaping, and exterior building maintenance**, making homeownership simple and worry-free. Enjoy the resort-style lifestyle that Terra Ceia Bay has to offer, with access to golf, tennis, pickleball, fitness facilities, clubhouse activities, a heated community pool, and waterfront amenities. Whether you are seeking a seasonal retreat or a full-time Florida residence, this condo offers the perfect combination of comfort, convenience, and carefree coastal living in a vibrant waterfront golf community.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,659
Sqft
0 ac
Lot size
2
Garage
2001
Year built
One
Levels
$192
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.
$2,632 /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
$2,632/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
+0.7%
$/sqft vs Palmetto actives
$192 vs $209
Days on market
209 vs 56 typical
Where $192/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 → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
221 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 19% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2905 CAPTAINS COURT UNIT 0
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$315,000
2907 CAPTAINS COURT · same community
3 bd · 2 ba · 1,659 sqft · $190/sqft · 26 DOM
Sold · Mar ’26$319,000
2904 CAPTAINS COURT UNIT 2904 · same community
3 bd · 2 ba · 1,488 sqft · $214/sqft · 100 DOM
Sold · Jul ’26$305,000
2906 CAPTAINS COURT · same community
3 bd · 2 ba · 1,488 sqft · $205/sqft · 253 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 2905 CAPTAINS COURT UNIT 0 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2905 CAPTAINS COURT UNIT 0 — 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
2905 CAPTAINS COURT UNIT 0 FAQs
What would the monthly payment be for 2905 CAPTAINS COURT UNIT 0?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,632/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 2905 CAPTAINS COURT UNIT 0?+
The most recent tax bill on record (2024) was $5,440. 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 2905 CAPTAINS COURT UNIT 0?+
The listing reports pets: Number Limit. 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 $319,000, this home is listed about 19% below the Palmetto median of $395,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Palmetto market on paper
$319,000 is 19% below the Palmetto median of $395,000, and at $192/sqft it sits under the Palmetto average of $232.
02Time on market is leverage
209 days on market against a Palmetto median of 56 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $345,000, now $319,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BRIGHT REALTY · Taren Myrick. MLS #A4677223.
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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