David Ramirez
$699,000$795,0002 bd2 ba1,691 sqft$413 /sqft$4,518 /mo all-in ↓

160 BAYSHORE DRIVE, TERRA CEIA, FL, 34250

Active265 days on marketListed Nov 10, 2025MLS #TB8436670

Priced 7% below the TERRA CEIA 34250 medianReduced $96KWaterfrontSingle Family ResidenceWILLOW WALK

About this home

160 BAYSHORE DRIVE

Welcome to Old Florida! Stepping onto the screened porch is like stepping through a portal to the past. A simpler place and time, where fireflies dance under the canopy of oaks. Cast a line, or a net, or a kayak out on the still waters of Terra Ceia Bay where the sun rises and sets in a golden glow. Build your own private dock for your boat or your Adirondack Chairs right on the Bay! You can just imagine marshmallows over the firepit and a big swing hanging from low mossy branches, overlooking over 100 feet of private natural waterfront. The charming cottage sits back on the land, providing a large front garden with Florida native plants. Inside the cottage, refinished wood floors lead you from one room to the next. From the large Dining Room, French doors open to the Living Room with original wood burning fireplace and a picture window overlooking the Bay. Warm butcherblock countertops over white cabinets give this kitchen a nostalgic feel with plenty of counter space and storage space. The Florida Room stretches across the back of the home, overlooking a big back yard surrounded by lush landscaping. One bedroom overlooks the back yard and has an ensuite bath with shower. The second, and larger of the two bedrooms, has a picture window with panoramic water views. A second full bath with soaking tub is just of the hallway. Nestled between the Terra Ceia Aquatic Preserve and the Terra Ceia Preserve State Park, you will be surrounded by natural wonders and winding trails, while being only 20 minutes away from Downtown St. Petersburg or Bradenton.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,691

Sqft

0.62 ac

Lot size

1

Garage

1952

Year built

One

Levels

$413

Per sqft

WaterfrontFireplaceWater view

Inside

FlooringHardwood
AppliancesElectric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Water Softener
InteriorAttic Fan · Built-in Features · Ceiling Fan(s) · Solid Wood Cabinets · Thermostat · Window Treatments
LaundryElectric Dryer Hookup · In Garage · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationCrawlspace
ViewWater
FacesSoutheast
ParkingGarage Door Opener · Ground Level · Oversized
ExteriorOutdoor Shower · Private Mailbox

Community & fees

Taxes (2024)$3,890/yr

Utilities & systems

UtilitiesElectricity Connected · Public
WaterPrivate · 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.

$4,518 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,772
PMI (est., until 20% equity)$262
Property tax — 2024 actual bill$324
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,900Loan30-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% · $69,900
Interest rate6.00%
Loan term

Estimated payment

$4,518/mo

Principal & interest$3,772
PMI (est., until 20% equity)$262
Property taxes (actual bill)$324
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

$413 vs $493

Days on market

265 vs 58 typical

Where $413/sqft sits among the 7 Terra Ceia actives

2 · this home
1
1
1
1
1
$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 160 BAYSHORE DRIVE

Drive times from this address

Downtown Tampa45 min
Tampa Int’l Airport (TPA)45 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 buyer10.0 months of inventoryBuyer’s market

$470K$1.3M

Terra Ceia median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

5 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 7% below the TERRA CEIA 34250 median. See the full Terra Ceia market guide →

Paper trail

This home's history

CurrentPrice reduced to $699,000 $96K
Nov 10, 2025Listed at $795,000 · 265 days on market since
1952Built · WILLOW WALK

Reality check

What actually sold near 160 BAYSHORE DRIVE

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

711 47TH STREET WSold · Mar ’26

$200,500

711 47TH STREET W

3 bd · 2 ba · 1,680 sqft · $119/sqft · 126 DOM

5619 BAYSHORE ROAD UNIT 203Sold · Feb ’26

$100,000

5619 BAYSHORE ROAD UNIT 203

2 bd · 2 ba · 1,788 sqft · $56/sqft · 21 DOM

4908 COMMONWEALTH ROADSold · Jun ’26

$580,000

4908 COMMONWEALTH ROAD

2 bd · 2 ba · 1,855 sqft · $313/sqft · 328 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 160 BAYSHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 160 BAYSHORE DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

160 BAYSHORE DRIVE FAQs

What would the monthly payment be for 160 BAYSHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,518/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 160 BAYSHORE DRIVE?+

The most recent tax bill on record (2024) was $3,890. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Terra Ceia?+

At $699,000, this home is listed about 45% below the Terra Ceia median of $1,274,000. The market section on this page shows how the area is trending.

Which schools are assigned to 160 BAYSHORE DRIVE?+

Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the TERRA CEIA 34250 market on paper

$699,000 is 7% below the TERRA CEIA 34250 median of $750,000, and at $413/sqft it sits under the Terra Ceia average of $632.

02Waterfront living

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

03Time on market is leverage

265 days on market against a Terra Ceia median of 58 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $795,000, now $699,000 — a $96K cut. The full history is in the market section below.

Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Tia Hockensmith. MLS #TB8436670.

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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