2320 Terra Ceia Bay Blvd #706, photo 1
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Overview

2 bd2 ba978 sqftCondominium
TypeCondominium
Condo dues$844/mo
Built1991
Living area978 sqft
Price / sqft$184

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About this home

Built-in FeaturesCeiling Fans(s)Eat-in KitchenElevatorLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface Counters

2320 Terra Ceia Bay Blvd #706 is a 1991-built home in The Terra Ceia Club, Palmetto. Inside you'll find 2 bedrooms, 2 bathrooms, and 978 square feet of living space. Listed at $180,000 (about $184/sqft), 331 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. Condo dues run $844 monthly.

From the listing

PRICE IMPROVEMENT TO $180,000! Beautifully updated and furnished 2-bedroom, 2-bath condo offering comfort, value, and a relaxed Florida lifestyle in Terra Ceia Bay Club. This light and bright residence has been nicely updated throughout, including NEW FLOORING, a refreshed kitchen, and both bathrooms featuring SHAKER CABINETRY and NEW COUNTERTOPS. The clean, modern finishes give the home an inviting, move-in-ready feel that stands out beautifully. The open and welcoming layout offers comfortable living and dining spaces, a furnished interior, and a bright Florida feel throughout. Enjoy views from both the balcony and front entry area, along with the benefit of living in a waterfront community with desirable amenities. Terra Ceia Bay Club offers a community pool, nature trail, fishing pier, clubhouse restaurant, and pay-to-play golf, allowing you to enjoy the lifestyle without a mandatory golf membership. Conveniently located near shopping, restaurants, medical facilities, marinas, downtown Bradenton, St. Petersburg, Sarasota, and area beaches, this updated condo is ideal as a full-time residence, seasonal retreat, or Florida getaway. With the PRICE IMPROVEMENT TO $180,000, this furnished and updated condo offers an excellent opportunity for buyers looking for value, convenience, and the Florida lifestyle in a well-established community.

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The essentials

Built
1991
Price / sqft
$184
On market
331 days
Annual tax
$3,835
Condo dues
$844/mo
Flood zone
X500 · Low risk
Type
Condominium

At a glance

High-rise condo
8 stories · 1991
Community pool
Fitness center too
Assigned parking
Private balcony
Outdoor space
978 sqft
Living area

Payment

Est. monthly payment
$2,193/mo
Down payment (20%)
$36,000
Property taxes
$320/mo
Condo dues
$844/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1991
Lot
-
Cooling
Central Air
Heating
Central, Electric
Parking
Assigned, Common, Covered, Deeded, Guest, Open
Days on Market
331
Built-in Features
Ceiling Fans(s)
Eat-in Kitchen
Elevator
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Balcony
Outdoor Grill
Outdoor Shower
Private Mailbox
Sidewalk
Storage
Tennis Court(s)
Buyer Approval Required
Community Mailbox
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Golf
Pool
Restaurant
Sidewalks
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Freezer
Ice Maker
Microwave
Range
Range Hood
Refrigerator
Washer
In a CDD (Community Development District) Flood Zone X500
Annual Tax (2024)
$3,835
Parcel #
2416808802

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
The Terra Ceia Club
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
ClearedLandscapedPrivateSidewalkPaved
Condo dues
$844/mo
Stacia Searcy

Price history

Date
Event
Price
7/16/2026
Price change
Source: Stellar MLS #A4670231
$180,000-7.7%
$184/sqft
-
Price change
Source: Stellar MLS #A4670231
$195,000-11.4%
$199/sqft
11/15/2025
Listed for sale
Source: Stellar MLS #A4670231
$220,000
$225/sqft

Neighborhood

2320 Terra Ceia Bay Blvd #706
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $180,000
$177,500 – $180,000
98.2% – 100% of listTops out right at the list price
80% of listList price
14 of the last 27 condo closings in 34221 landed at this number or higher (52%). The median one sat 100 days before it went under contract, and this one is on day 331 after a $40,000 cut.

Sample: 27 closed condo sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,192/mo
Principal & interest$939
Property taxes$320
Insurance$90
HOA$844
Down payment20% · $36,000
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

$180,000

$184 per sq ft

Beds and baths

2 beds, 2 baths

Size

978 sq ft

Time on market

331 days

Year built

1991

Monthly payment

About $2,193/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,835 annual tax bill, insurance, and $844/mo in condo dues.

Condo dues

$844/mo

Managed by Stacia Searcy.

Flood zone

Zone X500

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byREAL BROKER, LLCListing agent: Becky MallariListing data from Stellar MLS, MLS# A4670231.

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