2625 TERRA CEIA BAY BOULEVARD UNIT 103, PALMETTO, FL, 34221
Active36 days on marketListed Jul 3, 2026MLS #A4698587
About this home
2625 TERRA CEIA BAY BOULEVARD UNIT 103
**Coastal Florida Living in The Palms of Terra Ceia Bay** Enjoy the relaxed Florida lifestyle in this spacious first-floor 2-bedroom, 2-bath condo with a dedicated office in the desirable gated waterfront golf community of The Palms of Terra Ceia Bay in Palmetto, Florida. This well-maintained building offers peace of mind with a completed Milestone Inspection Report and Reserve Study (SIRS) on file, providing confidence in the building’s structural and financial strength. Inside, you’ll find comfortable one-level living with a flexible office space perfect for working remotely, hobbies, or a quiet retreat. Step outside to your screened lanai and enjoy peaceful nature views while soaking in the beauty of coastal Florida. Low condo fees include everything except electricity, along with access to the community pool and the many benefits of maintenance-free living. The active Palms of Terra Ceia Bay community offers a welcoming social lifestyle with a clubhouse where neighbors gather for trivia, bridge, mahjong, bingo, meals, cocktails, and plenty of opportunities to make new friends. Ideally located near three airports (TPA, SRQ, and PIE), Anna Maria Island beaches, downtown Bradenton, and just across the Skyway Bridge to St. Petersburg, this is the perfect place to enjoy sunshine, nature, and the laid-back coastal retirement lifestyle Florida is known for. Smoke free Building
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,380
Sqft
1.61 ac
Lot size
1997
Year built
One
Levels
$151
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.
$1,691 /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
$1,691/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
−28.6%
$/sqft vs Palmetto actives
$151 vs $208
Days on market
36 vs 56 typical
Where $151/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 → $355K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
227 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 47% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2625 TERRA CEIA BAY BOULEVARD UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$290,000
2625 TERRA CEIA BAY BOULEVARD UNIT 406 · same community
3 bd · 2 ba · 1,350 sqft · $215/sqft · 0 DOM
Sold · Jan ’26$375,000
2625 TERRA CEIA BAY BOULEVARD UNIT 501 · same community
3 bd · 2 ba · 1,349 sqft · $278/sqft · 96 DOM
Sold · Feb ’26$239,000
2625 TERRA CEIA BAY BOULEVARD UNIT 504 · same community
2 bd · 2 ba · 1,227 sqft · $195/sqft · 354 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 2625 TERRA CEIA BAY BOULEVARD UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2625 TERRA CEIA BAY BOULEVARD UNIT 103 — 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
2625 TERRA CEIA BAY BOULEVARD UNIT 103 FAQs
What would the monthly payment be for 2625 TERRA CEIA BAY BOULEVARD UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,691/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 2625 TERRA CEIA BAY BOULEVARD UNIT 103?+
The most recent tax bill on record (2025) was $2,500. 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 2625 TERRA CEIA BAY BOULEVARD UNIT 103?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $209,000, this home is listed about 47% below the Palmetto median of $394,999. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of BRIGHT REALTY · Taren Myrick. MLS #A4698587.
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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