2925 TERRA CEIA BAY BOULEVARD UNIT 2902, PALMETTO, FL, 34221
Active100 days on marketListed May 3, 2026MLS #A4688369
About this home
2925 TERRA CEIA BAY BOULEVARD UNIT 2902
PENTHOUSE WATER VIEWS | Furnished | Private Garage | Bay Club Value. Discover space, views, and lifestyle at a price point that stands out along the Gulf Coast. Experience elevated living in this PENTHOUSE residence featuring breathtaking WATER VIEWS of Terra Ceia Bay, the iconic Sunshine Skyway Bridge, and the skyline of St. Petersburg. This spacious 3 BEDROOM + DEN/OFFICE | 2.5 BATH home offers a desirable SPLIT FLOOR PLAN, soaring 10-FOOT CEILINGS, and an open-concept layout designed for both everyday comfort and effortless entertaining. The main living area flows seamlessly to an EXPANSIVE PRIVATE BALCONY, where you can enjoy peaceful mornings and unforgettable sunsets over the water. A dedicated DEN/OFFICE WITH BUILT-IN DESK provides the perfect space for working remotely or relaxing with a good book. Thoughtfully refreshed with NEW LIGHTING, FRESH INTERIOR PAINT, UPDATED BALCONY SCREEN, NEWER APPLIANCES, and PRIMARY BEDROOM CARPET, this residence is PROFESSIONALLY STAGED AND OFFERED FURNISHED (STAGING ITEMS EXCLUDED)—making it easy to move right in and start enjoying the Florida lifestyle. The PRIMARY SUITE offers a serene retreat, while the open living and dining areas are perfectly positioned to take in the stunning views. A rare and valuable feature, this PENTHOUSE INCLUDES A PRIVATE GARAGE. Located within the gated BAY CLUB AT TERRA CEIA GOLF COMMUNITY, residents enjoy access to resort-style amenities including a POOL, SPA, FITNESS ROOM, TENNIS COURTS, 500-FOOT FISHING PIER, and scenic nature trails. The clubhouse features dining, social events, and a lively tiki bar, with OPTIONAL GOLF MEMBERSHIP and pay-to-play access available.Ideally situated near downtown Palmetto and Bradenton, with convenient access to St. Petersburg, Sarasota, and Tampa International Airport, as well as waterfront dining, shopping, and Gulf beaches. Enjoy weekends at the Bradenton Farmer’s Market or take the nearby ferry for easy access to the islands. PENTHOUSE LIVING WITH WATER VIEWS, GENEROUS SPACE, AND EXCEPTIONAL VALUE—A STANDOUT OPPORTUNITY ON FLORIDA’S GULF COAST.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,423
Sqft
1.76 ac
Lot size
1
Garage
2007
Year built
One
Levels
$371
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.
$7,146 /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
$7,146/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.
$/sqft vs Palmetto actives
$371 vs $205
Days on market
100 vs 59 typical
Where $371/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 → $359K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
229 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 126% above the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2925 TERRA CEIA BAY BOULEVARD UNIT 2902
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$514,855
7717 MARINA BAY COVE
4 bd · 3 ba · 2,463 sqft · $209/sqft · 0 DOM
Sold · Dec ’25$505,000
2101 14TH STREET W
4 bd · 2.5 ba · 2,570 sqft · $196/sqft · 133 DOM
Sold · Jul ’26$315,000
1009 34TH DRIVE W
4 bd · 3.5 ba · 2,604 sqft · $121/sqft · 67 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 2925 TERRA CEIA BAY BOULEVARD UNIT 2902 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2925 TERRA CEIA BAY BOULEVARD UNIT 2902 — 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
2925 TERRA CEIA BAY BOULEVARD UNIT 2902 FAQs
What would the monthly payment be for 2925 TERRA CEIA BAY BOULEVARD UNIT 2902?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,146/mo — principal and interest, the actual property-tax bill, the $1,025/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 2925 TERRA CEIA BAY BOULEVARD UNIT 2902?+
The association fee works out to $1,025 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2925 TERRA CEIA BAY BOULEVARD UNIT 2902?+
The most recent tax bill on record (2025) was $9,209. 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 2925 TERRA CEIA BAY BOULEVARD UNIT 2902?+
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 $900,000, this home is listed about 126% above the Palmetto median of $398,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$900,000 runs 126% above the Palmetto median — but at 2,423 sqft it's also 25% larger than the typical Palmetto listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,025/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Becky Mallari. MLS #A4688369.
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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