5539 2nd Avenue Cir W, photo 1
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Overview

0 baLand
TypeLand
HOA$1,500/qtr
Lot13,504 sqft

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Association Recreation - OwnedDeed RestrictionsGated Community - No GuardGolf Carts OKNo Truck/Rv/Motorcycle ParkingPoolSidewalksStreet Lights

5539 2nd Avenue Cir W is a home in Terra Ceia Bay Estates, Palmetto. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $1,500 quarterly.

From the listing

Shovel-Ready BAYFRONT LOT- READY-TO-BUILD! ENGINEERED PLANS, REPORTS AND MORE- SAVE YEARS AND $10s of thousands! PRESENTING ALL OFFERS FOR SELLER CONSIDERATION! NO BRIDGES TO THE GULF! Build your dream waterfront home in the exclusive gated community of Terra Ceia Bay Estates, one of the Gulf Coast’s best-kept secrets. With only ten residences in the neighborhood, this rare bayfront homesite offers the privacy, boating access, and location that waterfront buyers are searching for. Featuring 118 feet of direct frontage on Terra Ceia Bay, the property includes a private dock and boat lift with no bridges to Tampa Bay or the Gulf of Mexico. Spend your weekends boating to waterfront restaurants, exploring nearby sandbars, fishing for snook and redfish, or simply enjoying panoramic sunset views from your dock while your custom home comes to life. Unlike many waterfront opportunities in Florida, there are no costly demolition expenses, permitting delays tied to tearing down an older structure, or compromises with outdated floorplans. This blank canvas allows you to design a fully customized elevated coastal residence with the latest in luxury finishes, hurricane standards, smart home technology, and modern waterfront architecture. A survey, environmental reports, and engineered home plans are already available, helping streamline the building process and saving valuable time. While construction progresses, you can still enjoy the boating lifestyle immediately by utilizing your private dock and lift from day one. Residents of Terra Ceia Bay Estates enjoy maintenance-free living with lawn care, irrigation, and a community pool included through the HOA. Ideally positioned near US-19, I-275, and the Sunshine Skyway Bridge, the property offers convenient access to downtown St. Petersburg, Tampa, Sarasota, Anna Maria Island, and Gulf beaches, all within approximately 25 minutes. Waterfront lots with direct bay access, private docks, no-bridge Gulf access, and this level of exclusivity rarely become available in Terra Ceia. This is an opportunity to create a legacy waterfront estate in one of the most unique coastal communities in the Tampa Bay area.

The essentials

On market
399 days
Annual tax
$6,875
HOA
$1,500/qtr
Flood zone
AE
Lot
13,504 sqft
Type
Land

At a glance

Land
Waterfront
Bay/Harbor
Community pool
Shared amenity
0.31 acres
Lot size

Payment

Est. monthly payment
$3,844/mo
Down payment (20%)
$97,000
Property taxes
$573/mo
HOA
$1,500/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
13,504 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Bay/Harbor
Days on Market
399
Association Recreation - Owned
Deed Restrictions
Gated Community - No Guard
Golf Carts OK
No Truck/Rv/Motorcycle Parking
Pool
Sidewalks
Street Lights
Flood Zone AE
Annual Tax (2024)
$6,875
Parcel #
2233110556

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Terra Ceia Bay Estates
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
13,504 sqft
ClearedIn CountyPaved
HOA
$1,500/qtr
Terra Ceia Bay Estates c/o Rob Munns

Price history

Date
Event
Price
10/11/2026
Price change
Source: Stellar MLS #A4663830
$485,000-0.8%
-
Price change
Source: Stellar MLS #A4663830
$489,000-26.9%
9/9/2025
Listed for sale
Source: Stellar MLS #A4663830
$669,000

Neighborhood

5539 2nd Avenue Cir W
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Calculator

Est. monthly payment
$3,845/mo
Principal & interest$2,529
Property taxes$573
Insurance$243
HOA$500
Down payment20% · $97,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$485,000

Time on market

399 days

Monthly payment

About $3,844/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,875 annual tax bill, insurance, and the $1,500/qtr HOA fee.

HOA fee

$1,500/qtr

Managed by Terra Ceia Bay Estates c/o Rob Munns.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Have another question?

Brokered byMATTHEW GUTHRIE AND ASSOCIATES REALTY LLCListing agent: Jordan Chancey, PAListing data from Stellar MLS, MLS# A4663830.

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