5619 BAYSHORE ROAD UNIT 423, PALMETTO, FL, 34221
Active207 days on marketListed Jan 10, 2026MLS #A4677554
About this home
5619 BAYSHORE ROAD UNIT 423
Making the decision to move to Florida often means leaving familiar places—and loved ones—behind. This land-owned home in the welcoming 55+ community of Terra Ceia Manor was made for that moment. From the day you arrive, you’ll feel the comfort of a neighborhood where residents look out for one another, friendships form easily, and newcomers are truly welcomed. With a full social calendar that includes luncheons, shuffleboard, and a heated community pool, it doesn’t take long before this feels like home. This fully furnished, move-in ready home allows you to focus on settling in, not starting over. Check Virtual Tour One for the matterport The spacious family room, along with a separate living and dining area off the kitchen, creates room for everyday living and for hosting visits from friends and relatives. Mornings begin peacefully on the screened patio, enjoying the warmth and gentle breezes that make Florida so special.Check out the large storage area - a generous utility area offers a workshop, storage, and washer and dryer, while a private outdoor patio provides a quiet place to sit, reflect, and soak up the sunshine. The roof is new and this property sits on the largest lot in Terra Ceia With land ownership and no lot rent, the low monthly fee of only $188—including water, sewer, and trash—brings financial comfort and simplicity. Just minutes from the beaches of Anna Maria Island, you can spend your days walking along the shore, riding the trolley, or enjoying waterfront dining. Easy access to I-75 keeps Sarasota, Tampa, and St. Petersburg close, making travel and family visits easy. If you’re looking for more than just a place to live—if you’re looking for connection, peace of mind, and a true sense of belonging—this Terra Ceia Manor home offers a beautiful next chapter. I
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,348
Sqft
0.09 ac
Lot size
1983
Year built
One
Levels
$118
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.
$1,469 /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
$1,469/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
+30.6%
$/sqft vs TERRA CEIA MANOR CO-OP
$118 vs $123
Days on market
207 vs 56 typical
Where $118/sqft sits among the 8 homes for sale in TERRA CEIA MANOR CO-OP
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 →
PALMETTO 34221 — neighborhood snapshot
Population
54,923
Median age
46.6
Median income
$74,314
Median home value
$298,200
Avg household
2.63
Households w/ children
4,466
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
5 of 8
TERRA CEIA MANOR CO-OP have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 57% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 5619 BAYSHORE ROAD UNIT 423
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$150,000
5619 BAYSHORE ROAD UNIT 421 · same community
2 bd · 2 ba · 1,344 sqft · $112/sqft · 7 DOM
Sold · Feb ’26$112,000
5619 BAYSHORE ROAD UNIT 469 · same community
2 bd · 2 ba · 1,344 sqft · $83/sqft · 76 DOM
Sold · Jun ’26$123,500
5619 BAYSHORE ROAD UNIT 466 · same community
2 bd · 2 ba · 1,364 sqft · $91/sqft · 75 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 5619 BAYSHORE ROAD UNIT 423 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5619 BAYSHORE ROAD UNIT 423 — 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
5619 BAYSHORE ROAD UNIT 423 FAQs
What would the monthly payment be for 5619 BAYSHORE ROAD UNIT 423?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,469/mo — principal and interest, the actual property-tax bill, the $188/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 5619 BAYSHORE ROAD UNIT 423?+
The association fee works out to $188 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5619 BAYSHORE ROAD UNIT 423?+
The most recent tax bill on record (2024) was $1,374. 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 5619 BAYSHORE ROAD UNIT 423?+
The listing reports pets: No. 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 $159,000, this home is listed about 60% below the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5619 BAYSHORE ROAD UNIT 423?+
James Tillman Elementary Magnet School (elementary), Lincoln Memorial Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALMETTO 34221 market on paper
$159,000 is 57% below the PALMETTO 34221 median of $369,900, and at $118/sqft it sits under the Palmetto average of $232.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
207 days on market against a Palmetto median of 56 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Patricia Baker. MLS #A4677554.
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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