2725 TERRA CEIA BAY BOULEVARD UNIT 102, PALMETTO, FL, 34221
Active82 days on marketListed May 22, 2026MLS #A4694647
About this home
2725 TERRA CEIA BAY BOULEVARD UNIT 102
Welcome Home to this beautiful Terra Ceia Bay Club condo with spectacular views. The unit is available as unfurnished or furnished, priced accordingly. This unit is a 2 bedroom 2 bath 1st floor condo located in The Estuaries of Terra Ceia Bay Club. Enter the unit through a nice size foyer into the kitchen with eat-in space, pantry closet, and upper cabinet lighting. You can enter the Guest bedroom, guest bathroom, and laundry closet off the foyer as well. The in-unit laundry closet has a washer and dryer for your use at your convenience. Walk into a large Diningroom/ Livingroom combo for all your entertaining needs. Enclosed lanai along with an nice open patio fronts a Nature Preserve with views of Terra Ceia Bay. You also have an amazing walking bridge just a short walk from this condo that jets out onto Terra Ceia Bay. The Masterbedroom looks out to the Bay with large walk-in closet, ensuite with granite counter top, dual sinks in large vanity, and shower stall. For your convenience, the community has a grilling area with picnic table and patio chairs for a perfect dining experience. You can also enjoy the fire pit area to roast hot dogs and marshmellows in the upcoming cooler nights. Community pool is a short distance across the street. Looks at this pool! Community also offers a fishing pier with awesome views while enjoying the golf course with optional membership. Club house offers fitness room, on-site dining, tennis courts, and additional large pool. Come see this amazing highly desirable community close to restaurants, shopping, I275, I75, US 41 and US 301 for quick commute to St Petersburg, Tampa, Sarasota, and Bradenton. Beautiful beaches just minutes away. Please note this unit is being offered either unfurnished for $2,200 or turn-key for $2,500.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,256
Sqft
1.26 ac
Lot size
1995
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $205
Days on market
82 vs 60 typical
Where $2/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)
226 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 99% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2725 TERRA CEIA BAY BOULEVARD UNIT 102
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$218,500
2725 TERRA CEIA BAY BOULEVARD UNIT 207 · same community
2 bd · 2 ba · 1,256 sqft · $174/sqft · 97 DOM
Sold · Feb ’26$215,000
2725 TERRA CEIA BAY BOULEVARD UNIT 107 · same community
2 bd · 2 ba · 1,256 sqft · $171/sqft · 130 DOM
Sold · Jul ’26$359,900
1801 14TH STREET W
2 bd · 2 ba · 1,255 sqft · $287/sqft · 16 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 2725 TERRA CEIA BAY BOULEVARD UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2725 TERRA CEIA BAY BOULEVARD UNIT 102 — 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
2725 TERRA CEIA BAY BOULEVARD UNIT 102 FAQs
What would the monthly payment be for 2725 TERRA CEIA BAY BOULEVARD UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 2725 TERRA CEIA BAY BOULEVARD UNIT 102?+
The listing reports pets: Cats OK, Dogs OK, Monthly Pet Fee, Pet Deposit, Size Limit. 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 $2,200, this home is listed about 99% below the Palmetto median of $395,659. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Palmetto market on paper
$2,200 is 99% below the Palmetto median of $395,659, and at $2/sqft it sits under the Palmetto average of $232.
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 $2,500, now $2,200 — a $300 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXIT KING REALTY · Sheri Everard. MLS #A4694647.
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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