
3 MICHIANA PLACE, TERRA CEIA, FL, 34250
Active98 days on marketListed Apr 30, 2026MLS #A4690122
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
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.
$9,776 /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
$9,776/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 Terra Ceia actives
$746 vs $461
Days on market
98 vs 90 typical
Where $746/sqft sits among the 7 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 → $1.6M
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
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.
Sold · Jan ’26$2,100,000
5930 GULF OF MEXICO DRIVE · same community
3 bd · 2 ba · 2,570 sqft · $817/sqft · 600 DOM
Sold · Mar ’26$402,500
2805 49TH STREET E · same community
3 bd · 2 ba · 1,408 sqft · $286/sqft · 94 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3 MICHIANA PLACE — start here.

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.
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.
Keep looking
Similar homes nearby
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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