2925 TERRA CEIA BAY BOULEVARD UNIT 2802, PALMETTO, FL, 34221
Active264 days on marketListed Nov 20, 2025MLS #TB8443955
About this home
2925 TERRA CEIA BAY BOULEVARD UNIT 2802
WATERFRONT 3 BR + DEN — PRICE IMPROVEMENT! Experience elevated Florida living in this beautifully renovated 2,306-square-foot residence, complemented by a 190-square-foot screened waterfront balcony showcasing expansive views toward Tampa Bay and the iconic Sunshine Skyway Bridge. The bright, open-concept interior blends sophisticated coastal style with thoughtful upgrades. The remodeled kitchen is a stunning centerpiece featuring Brazilian Crystal countertops and beautiful backsplash, stainless-steel appliances, a convection oven with built-in air fryer, LED lighting, and generous space for cooking and entertaining. Plantation shutters, crown molding, and engineered hardwood flooring in the bedrooms add warmth and refinement throughout the residence. Glass French doors open to a versatile den with custom built-in cabinetry—ideal for a home office, media room, library, or additional guest space. The spacious primary suite is a private retreat with custom closets, crown-molding details, and a spa-inspired bathroom featuring a large walk-in shower, jetted whirlpool tub, linen closet, and private water closet. A tankless water heater provides additional comfort and efficiency. Enjoy the ease of condominium living with the generous proportions and functionality of a single-family home. Whether used as a year-round residence or Florida getaway, this home offers abundant living space, impressive renovations, remarkable waterfront scenery, and the opportunity to enjoy the Gulf Coast lifestyle from the moment you arrive. Terra Ceia Bay is an active waterfront and golf community offering pay-to-play golf with no mandatory golf membership. Community amenities include a pool, firepit, BBQ area and spa, fishing pier, nature trail and recreational opportunities, and convenient access to the golf clubhouse and on-site restaurant. The location provides an exceptional balance of peaceful waterfront living and accessibility to St. Petersburg, Tampa, Sarasota, Lakewood Ranch, area beaches, shopping, dining, cultural attractions, and multiple airports. Discover the space, views, lifestyle, and compelling value available in Palmetto—an increasingly sought-after Gulf Coast location offering exceptional waterfront living within convenient reach of neighboring metropolitan and coastal destinations. Furniture is not included in the listed price but may be purchased separately under an independent contract. Schedule your private showing and experience this exceptional waterfront residence in person.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,306
Sqft
1.76 ac
Lot size
2007
Year built
One
Levels
$353
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.
$5,574 /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
$5,574/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.
vs edgeAI estimate
+10%
$/sqft vs Palmetto actives
$353 vs $205
Days on market
264 vs 59 typical
Where $353/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 105% above the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2925 TERRA CEIA BAY BOULEVARD UNIT 2802
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$514,855
7717 MARINA BAY COVE
4 bd · 3 ba · 2,463 sqft · $209/sqft · 0 DOM
Sold · Jun ’26$358,000
2628 10TH STREET W
4 bd · 2 ba · 2,130 sqft · $168/sqft · 8 DOM
Sold · Mar ’26$258,000
2700 10TH STREET W
4 bd · 2 ba · 2,094 sqft · $123/sqft · 246 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 2925 TERRA CEIA BAY BOULEVARD UNIT 2802 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2925 TERRA CEIA BAY BOULEVARD UNIT 2802 — 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
2925 TERRA CEIA BAY BOULEVARD UNIT 2802 FAQs
What would the monthly payment be for 2925 TERRA CEIA BAY BOULEVARD UNIT 2802?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,574/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 2925 TERRA CEIA BAY BOULEVARD UNIT 2802?+
The most recent tax bill on record (2024) was $8,532. 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 2925 TERRA CEIA BAY BOULEVARD UNIT 2802?+
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 $815,000, this home is listed about 105% above 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
01Positioned at the premium end
$815,000 runs 105% above the Palmetto median — but at 2,306 sqft it's also 19% larger than the typical Palmetto listing.
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
264 days on market against a Palmetto median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $839,000, now $815,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Angel Wilkinson. MLS #TB8443955.
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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