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Overview

3 bd2 ba1,659 sqft2 car garageCondominium
TypeCondominium
HOANone listed
Built2001
Living area1,659 sqft
Price / sqft$186
Garage2 car

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About this home

Ceiling Fans(s)High CeilingsLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomVaulted Ceiling(s)Walk-in Closet(s)

2905 Captains CT #0 is a 2001-built home in Captains Court, Palmetto. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,659 square feet of living space. Listed at $309,000 (about $186/sqft), 278 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

**Experience the best of Florida living in this spacious 3-bedroom, 2-bathroom condo located in the desirable gated waterfront golf community of Terra Ceia Bay Golf & Country Club.** Nestled on a quiet cul-de-sac, this well-maintained home offers a peaceful setting with an inviting open floor plan, vaulted ceilings, and beautiful ceramic tile flooring throughout the main living areas. The thoughtfully designed kitchen features a breakfast bar and opens seamlessly to the dining and living spaces, creating the perfect flow for everyday living and entertaining. Enjoy your morning coffee or unwind at the end of the day in the relaxing Florida room, where you can take in the tranquil surroundings, lush landscaping, and refreshing coastal breezes. This **turnkey furnished** residence includes a private **2-car garage** and a **new roof installed in 2023**, providing added peace of mind. The monthly association fee offers exceptional value, including **high-speed internet, cable, landscaping, and exterior building maintenance**, making homeownership simple and worry-free. Enjoy the resort-style lifestyle that Terra Ceia Bay has to offer, with access to golf, tennis, pickleball, fitness facilities, clubhouse activities, a heated community pool, and waterfront amenities. Whether you are seeking a seasonal retreat or a full-time Florida residence, this condo offers the perfect combination of comfort, convenience, and carefree coastal living in a vibrant waterfront golf community.

The essentials

Built
2001
Price / sqft
$186
On market
278 days
Annual tax
$5,440
Flood zone
X500 · Low risk
Type
Condominium

At a glance

Condo
Built 2001
Community pool
Shared amenity
2 car garage
1,659 sqft
Living area

Payment

Est. monthly payment
$2,220/mo
Down payment (20%)
$61,800
Property taxes
$453/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
2001
Lot
-
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
278
Ceiling Fans(s)
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Vaulted Ceiling(s)
Walk-in Closet(s)
Buyer Approval Required
Clubhouse
Gated Community - No Guard
Golf Carts OK
Golf
Irrigation-reclaimed Water
No Truck/Rv/Motorcycle Parking
Pool
Restaurant
Tennis Court(s)
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Palmetto Elementary-MN
Middle
Lincoln Middle
High
Palmetto High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X500
Annual Tax (2024)
$5,440
Parcel #
2412719709

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
Captains Court
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
-
Near Golf Course

Price history

Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #A4677223
$309,000-3.1%
$186/sqft
-
Price change
Source: Stellar MLS #A4677223
$319,000-7.5%
$192/sqft
1/6/2026
Listed for sale
Source: Stellar MLS #A4677223
$345,000
$208/sqft

Neighborhood

2905 Captains CT #0
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $309,000
$302,500 – $309,000
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 278 after a $36,000 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
$2,219/mo
Principal & interest$1,612
Property taxes$453
Insurance$155
Down payment20% · $61,800
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%. 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

$309,000

$186 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,659 sq ft

Time on market

278 days

Year built

2001

Monthly payment

About $2,220/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,440 annual tax bill, insurance.

Flood zone

Zone X500

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

Offer

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Have another question?

Brokered byBRIGHT REALTYListing agent: Taren MyrickListing data from Stellar MLS, MLS# A4677223.

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