28 MICHIANA DRIVE, TERRA CEIA, FL, 34250
Active123 days on marketListed Apr 4, 2026MLS #A4688052
About this home
28 MICHIANA DRIVE
Welcome home to a peaceful retreat nestled in the heart of Terra Ceia, where natural beauty surrounds you at every turn. As you wind through the community, you’ll immediately feel a sense of calm before arriving at this stunning residence, framed by lush tropical landscaping and captivating curb appeal. Access is effortless with both elevator and stair entry leading to the main living level as well as the 3rd floor. Inside, rich wood flooring flows seamlessly throughout, setting a warm and inviting tone. The expansive living room is ideal for entertaining or unwinding, showcasing tranquil views of the shimmering saltwater lake and opening to a private balcony perfect for enjoying gentle breezes and serene sunsets. A versatile study or den just off the living area provides the ideal space for a home office or quiet retreat. The kitchen is designed to inspire, offering abundant cabinetry and countertop space to satisfy any home chef. A second private balcony makes outdoor grilling both convenient and enjoyable. The adjoining formal dining room is perfectly suited for hosting gatherings, while a well-placed half bath completes this level. Upstairs, the third floor features a full-size laundry room and a spacious primary suite that serves as a true sanctuary. Enjoy your own private balcony, a generous walk-in closet, and a beautifully appointed ensuite bath. Two additional bedrooms are thoughtfully positioned down the hall, sharing a full bathroom and a private balcony with picturesque lake views. Step outside and immerse yourself in the tranquil surroundings. Your private dock invites you to relax by the water or enjoy peaceful moments lakeside. An oversized swim spa offers the perfect place to unwind after a long day, while multiple seating areas throughout the grounds create inviting spaces for conversation or quiet reflection. The expansive garage provides ample room for vehicles, storage, or even a workshop tailored to fit your lifestyle needs. For those seeking direct access to Gulf waters and exceptional fishing, a rare opportunity awaits. The vacant lot across the street is available for purchase at $175,000, offering a newly installed dock and additional space for parking or entertaining. This is more than a home, it’s a serene escape in one of Terra Ceia’s most peaceful settings. Don’t miss your opportunity to own your own slice of paradise. Schedule your private showing today. Click Tour 2 For Matterport Tour.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,156
Sqft
0.16 ac
Lot size
2
Garage
2007
Year built
Three Or More
Levels
$348
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.
$5,181 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,181/mo
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.
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
+14.8%
$/sqft vs Terra Ceia actives
$348 vs $560
Days on market
123 vs 90 typical
Where $348/sqft sits among the 8 Terra Ceia 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 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
$1.1M → $1.8M
Terra Ceia median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
6 of 8
Terra Ceia actives have cut their price
Median sold price, Terra Ceia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the TERRA CEIA 34250 median. See the full Terra Ceia market guide →
Paper trail
This home's history
Reality check
What actually sold near 28 MICHIANA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,425,000
1215 BAYSHORE DRIVE · same community
4 bd · 3.5 ba · 3,043 sqft · $468/sqft · 167 DOM
Sold · May ’26$1,225,000
31 ISLAND COURT
3 bd · 3 ba · 2,665 sqft · $460/sqft · 122 DOM
Sold · Apr ’26$525,900
935 BAYSHORE DRIVE
4 bd · 3 ba · 2,691 sqft · $195/sqft · 50 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 28 MICHIANA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28 MICHIANA 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.
Straight answers
28 MICHIANA DRIVE FAQs
What would the monthly payment be for 28 MICHIANA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,181/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 28 MICHIANA DRIVE?+
The most recent tax bill on record (2025) was $8,317. 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 $750,000, this home is listed about 20% below the Terra Ceia median of $933,000. The market section on this page shows how the area is trending.
Which schools are assigned to 28 MICHIANA DRIVE?+
Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Gregory Zies, Llc. MLS #A4688052.
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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