David Ramirez
$1,599,990$1,799,9904 bd2.5 ba2,144 sqft$746 /sqft$9,776 /mo all-in ↓

3 MICHIANA PLACE, TERRA CEIA, FL, 34250

Active98 days on marketListed Apr 30, 2026MLS #A4690122

Reduced $200KWaterfrontSingle Family ResidenceACREAG0001

About this home

3 MICHIANA PLACE

Welcome to a modern coastal paradise, hidden on idyllic Terra Ceia Island! Over a quarter acre along the aquatic preserve of Miguel Bay, this home offers endless entertainment with an open floor plan and fully updated modern aesthetic, surrounded by a tropical setting, fiery sunsets, and views of the Skyway Bridge. The property doubles as a wonderful investment opportunity with no HOA or leasing restrictions, providing not just a short-term rental or AirBnB but a true Old Florida experience, where Captains bring their charters for World Class inshore fishing, only a few minutes to Gulf waters. A 165-foot dock on open water, built with durable Trex decking, comes equipped with water, power, boat lift with remote, and stairs leading down for an easy kayak launch with no rear neighbors and a view of tranquil mangrove islands. Relaxation awaits in this 4-bedroom, 2.5 bath beautifully updated custom coastal residence, intended to complement its serene surroundings with water views from nearly every room. The thoughtfully designed split floor plan offers privacy and flexibility with a master suite featuring a discrete entrance off the lush courtyard with multiple cedar closets & custom built-ins. The second bedroom boasts an ensuite with a bathtub creating a welcoming space for any guest. The third bedroom features a private covered patio. The fourth bedroom, currently utilized as a nursery, could easily serve as a home office or hobby room. Each bathroom has been carefully updated with custom vanities and travertine tile. A bonus room which could serve as a 5th bedroom, currently features laundry and an icemaker, offering easy storage and accessibility for the fisherman on the go! Warm wood-beamed ceilings, elegant Leonardo Travertine in Versailles pattern, Sunset quartz countertops, in a central, open kitchen, create an inviting, sophisticated atmosphere. The fully updated Chef’s kitchen is the heart of the home, with an oversized island, seamlessly connects the family room with the outdoors, all overlooking Miguel Bay. Samsung Bespoke White Glass Kitchen Suite of appliances offer state of the art features. Venture out of the luxurious interior into one of the many outdoor living areas, and enjoy stargazing in the tropical courtyard or cocktails fireside after a long day of boating. You will be greeted by all that nature has to offer, from Manatees, dolphins, tarpon, white pelicans, and roseate spoonbills. The meticulous grounds feature winding stone paths under the canopy of a Royal Poinciana, “The Lido Deck” pergola, charming shell beach under swaying Coconut, Bottle, Areca Palms, all surrounded by mature Florida landscaping. For those fortunate enough to enjoy, historic Terra Ceia Island is more than just a location—it's a lifestyle. This close-knit active community comes together for events like the Mullet Festival, Kayak Poker Regatta, Halloween Hayrides, Around the World Dinner, Easter Egg Hunt, and a Christmas Golf Cart Parade. The optional Village Improvement Association provides access to the community hall and waterfront Seabreeze Park, complete with picnic pavilions, boat ramp, a soon to be built 300 ft fishing pier, playground & pickleball courts. Conveniently situated at the foot of the Sunshine Skyway Bridge, Terra Ceia offers easy commute and access to St. Pete Beach, Tampa, Anna Maria Island, and Bradenton. Unwind and experience Old Florida living at this one-of-a-kind luxury waterfront property.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,144

Sqft

0.28 ac

Lot size

1

Garage

1939

Year built

One

Levels

$746

Per sqft

WaterfrontWater viewNegotiable

Inside

FlooringLuxury Vinyl · Travertine
AppliancesBar Fridge · Dishwasher · Disposal · Electric Water Heater · Freezer · Ice Maker · Microwave · Range · Tankless Water Heater · Wine Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionVinyl Siding
FoundationSlab
ViewWater
FacesEast
ExteriorAwning(s) · Courtyard · Fire Pit · French Doors · Irrigation System · Lighting · Private Yard · Shade Shutter(s) · Sliding Doors · Storage

Community & fees

Taxes (2025)$4,585/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane · Public · Sprinkler Well · Water Connected
WaterPublic · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$9,776 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,633
PMI (est., until 20% equity)$600
Property tax — 2025 actual bill$382
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $159,999Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $159,999
Interest rate6.00%
Loan term

Estimated payment

$9,776/mo

Principal & interest$8,633
PMI (est., until 20% equity)$600
Property taxes (actual bill)$382
Est. insurance$160

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 Terra Ceia actives

$746 vs $461

Days on market

98 vs 90 typical

Where $746/sqft sits among the 7 Terra Ceia actives

3
1
1
2
0
0 · this home
$348–414$414–481$481–547$547–613$613–680$680+

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

Map of 3 MICHIANA PLACE

Drive times from this address

Downtown Tampa50 min
Tampa Int’l Airport (TPA)50 min

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

HighPalmetto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Terra Ceia market

Seller’s marketLeans seller4.4 months of inventoryBuyer’s market

$1.1M$1.6M

Terra Ceia median sold, yr/yr

95.4%

Sale-to-list ratio (12 mo)

6 of 7

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 121% above the TERRA CEIA 34250 median. See the full Terra Ceia market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,599,990 $200K
Apr 30, 2026Listed at $1,799,990 · 98 days on market since
1939Built · ACREAG0001

Reality check

What actually sold near 3 MICHIANA PLACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5930 GULF OF MEXICO DRIVESold · Jan ’26

$2,100,000

5930 GULF OF MEXICO DRIVE · same community

3 bd · 2 ba · 2,570 sqft · $817/sqft · 600 DOM

2805 49TH STREET ESold · Mar ’26

$402,500

2805 49TH STREET E · same community

3 bd · 2 ba · 1,408 sqft · $286/sqft · 94 DOM

31 ISLAND COURTSold · May ’26

$1,225,000

31 ISLAND COURT

3 bd · 3 ba · 2,665 sqft · $460/sqft · 122 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3 MICHIANA PLACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3 MICHIANA PLACE — 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.

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Goes straight to David’s phone and CRM.

Straight answers

3 MICHIANA PLACE FAQs

What would the monthly payment be for 3 MICHIANA PLACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,776/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 3 MICHIANA PLACE?+

The most recent tax bill on record (2025) was $4,585. 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 3 MICHIANA PLACE?+

The listing reports pets: Cats OK, Dogs OK. 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 Terra Ceia?+

At $1,599,990, this home is listed about 71% above the Terra Ceia median of $933,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3 MICHIANA PLACE?+

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

01Positioned at the premium end

$1,599,990 runs 121% above the TERRA CEIA 34250 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $1,799,990, now $1,599,990 — a $200K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA LLC · Stephanie Leitao, LLC. MLS #A4690122.

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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