2320 TERRA CEIA BAY BOULEVARD UNIT 207, PALMETTO, FL, 34221
Active63 days on marketListed Jun 10, 2026MLS #A4696430
About this home
2320 TERRA CEIA BAY BOULEVARD UNIT 207
Hurricane shutters • Golf course views • Screened lanai • Updated HVAC • Gated golf community Enjoy golf course views, move-in-ready condition, and valuable hurricane protection in this updated 2-bedroom, 2-bath condominium located within the gated Terra Ceia Bay Golf & Country Club community. From the moment you enter, you'll appreciate the bright interior, neutral finishes, and tile flooring that extends throughout the entire residence. One of the home's standout features is its hurricane shutter system, providing an added layer of storm protection and peace of mind. Combined with low-maintenance condominium living, this feature makes the property especially appealing for both year-round and seasonal residents. The spacious kitchen offers abundant cabinet storage, generous countertop workspace, stainless steel appliances, recessed LED lighting, and premium Silestone Rosa Grey 3cm countertops. This non-porous surface delivers the look of natural stone while resisting stains, scratches, bacteria, and scorching without requiring sealing or polishing. A filtered drinking water system serves both the kitchen faucet and refrigerator ice maker. Recent improvements include freshly painted walls, doors, and trim; professionally steam-cleaned porcelain tile and grout throughout; new toilets; updated push-button sink drains; new bathroom lighting fixtures; recessed LED lighting; updated ceiling fans; new rocker switches; dimmer switches; GFCI outlets; and electrical outlets throughout the home. Major mechanical updates include an HVAC system installed in September 2018 and a water heater replaced in June 2020. The open living and dining areas flow seamlessly to the screened lanai, where golf course views and mature landscaping create an inviting outdoor retreat. Large sliding glass doors bring natural light into the main living space while maintaining a strong connection to the outdoor setting. A built-in serving and storage area adds both function and convenience. The primary suite features ample closet space and an updated dual-sink vanity with Silestone countertops. The split-bedroom layout provides flexibility for guests, a home office, or seasonal living arrangements. Residents enjoy access to a wide range of amenities including golf, tennis courts, a community pool, fitness center, clubhouse, and beautifully maintained grounds. Conveniently located near Terra Ceia Bay, US-41, I-75, downtown Palmetto, downtown Bradenton, marinas, waterfront recreation, shopping, dining, and Gulf Coast destinations. If you've been searching for a move-in-ready condominium with golf course views, hurricane shutters, updated HVAC, newer water heater, resort-style amenities, and low-maintenance Florida living, this Terra Ceia Bay residence deserves your attention.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
936
Sqft
3.19 ac
Lot size
1991
Year built
One
Levels
$149
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.
$2,162 /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
$2,162/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−4.9%
$/sqft vs Palmetto actives
$149 vs $205
Days on market
63 vs 59 typical
Where $149/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)
228 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 65% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2320 TERRA CEIA BAY BOULEVARD UNIT 207
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$125,000
178 BIMINI DRIVE
2 bd · 2 ba · 936 sqft · $134/sqft · 73 DOM
Sold · Apr ’26$85,000
4 TENNESSEE STREET
2 bd · 2 ba · 960 sqft · $89/sqft · 407 DOM
Sold · Mar ’26$282,500
2604 12TH STREET W
3 bd · 1 ba · 912 sqft · $310/sqft · 28 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 2320 TERRA CEIA BAY BOULEVARD UNIT 207 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2320 TERRA CEIA BAY BOULEVARD UNIT 207 — 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
2320 TERRA CEIA BAY BOULEVARD UNIT 207 FAQs
What would the monthly payment be for 2320 TERRA CEIA BAY BOULEVARD UNIT 207?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,162/mo — principal and interest, the actual property-tax bill, the $827/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 2320 TERRA CEIA BAY BOULEVARD UNIT 207?+
The association fee works out to $827 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2320 TERRA CEIA BAY BOULEVARD UNIT 207?+
The most recent tax bill on record (2025) was $3,479. 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 2320 TERRA CEIA BAY BOULEVARD UNIT 207?+
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 $139,900, this home is listed about 65% below the Palmetto median of $398,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the Palmetto market on paper
$139,900 is 65% below the Palmetto median of $398,000, and at $149/sqft it sits under the Palmetto average of $232.
02Golf Course & Park/Greenbelt views
The golf course and park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $827/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $144,990, now $139,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MANGROVE REALTY ASSOCIATES · Antonio Lopez. MLS #A4696430.
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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