2925 Terra Ceia Bay Blvd #2905, photo 1
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Overview

3 bd3 ba2,302 sqft1 car garageCondominium
TypeCondominium
HOA$1,025/mo
Built2007
Lot76,865 sqft
Living area2,302 sqft
Price / sqft$402
Garage1 car

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

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingHigh CeilingsLiving Room/Dining Room ComboPrimary Bedroom Main FloorSolid Wood CabinetsStone Counters

2925 Terra Ceia Bay Blvd #2905 is a 2007-built home in Bay Club Ph II, Palmetto. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,302 square feet of living space. Listed at $925,000 (about $402/sqft), 222 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $1,025 monthly.

From the listing

Virtually Staged. Wake up to sweeping panoramic water views of Terra Ceia Bay, the Gulf, and the iconic Sunshine Skyway Bridge from this stunning end-unit penthouse. Perched on the 9th floor, this residence offers breathtaking northwest sunset views and an exceptional waterfront lifestyle rarely matched in the area. This spacious 3-bedroom, 2.5-bath penthouse with den offers 2,302 square feet of interior living space and a total of 2,550 square feet, including a large private balcony perfectly positioned to capture the beauty of the surrounding water. Penthouse residences feature higher ceilings and taller solid-core doors, creating a sense of openness and scale throughout the home. Crown molding, custom closet systems, upgraded tile work in the bathrooms, and thoughtful upgrades throughout reflect the quality expected in a luxury penthouse residence. The open living and dining areas are filled with natural light and feature ceramic tile flooring, crown molding, and expansive sliding glass doors leading to the waterfront balcony. The kitchen offers solid wood cabinetry, high-end upgraded granite countertops, a raised breakfast bar, and pendant lighting centered within the kitchen workspace. The primary suite enjoys beautiful water views, direct balcony access, crown molding, and custom closets. The ensuite bath features dual vanities with granite countertops, an American Standard jetted tub, updated tile work, and a framed glass walk-in shower. A private guest wing with pocket door provides excellent separation for visitors and includes two additional bedrooms, an updated bathroom, and shared balcony access. The layout also allows flexibility to function as a private guest suite, with one bedroom easily serving as a sitting room or lounge space. Additional highlights include a private one-and-a-half-car garage, two American Standard HVAC systems installed in 2019, and a Rheem 50-gallon water heater installed in 2018. The laundry room includes granite workspace, a utility sink, and Electrolux washer and dryer (2022–2023). Terra Ceia Bay offers an exceptional waterfront lifestyle with a fishing pier, waterfront restaurant, golf course, pool, fitness center, tennis courts, and scenic walking paths. Ideally located just minutes from the sandy beaches of Anna Maria Island and conveniently positioned between St. Petersburg, Sarasota, and Tampa.

The essentials

Built
2007
Price / sqft
$402
On market
222 days
Annual tax
$8,928
HOA
$1,025/mo
Flood zone
AE
Lot
76,865 sqft
Type
Condominium

At a glance

High-rise condo
9 stories · 2007
Waterfront
Bay/Harbor
Community pool
Fitness center too
1 car garage
Assigned
Private balcony
Outdoor space

Payment

Est. monthly payment
$7,056/mo
Down payment (20%)
$185,000
Property taxes
$744/mo
HOA
$1,025/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
2007
Lot
76,865 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Assigned, Common, Covered, Deeded, Ground Level, Guest, Open, Reserved, Basement
Waterfront
Bay/Harbor
Days on Market
222
Built-in Features
Ceiling Fans(s)
Crown Molding
High Ceilings
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Balcony
Courtyard
Fire Pit
Lighting
Outdoor Grill
Outdoor Shower
Private Mailbox
Sidewalk
Storage
Tennis Court(s)
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Community Mailbox
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Golf
Irrigation-reclaimed Water
Pool
Restaurant
Sidewalks
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
In a CDD (Community Development District) Flood Zone AE
Annual Tax (2025)
$8,928
Parcel #
2412722509

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
Bay Club Ph II
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
76,865 sqft
ClearedConservation AreaLandscapedOn Golf CourseSidewalkPavedPrivate
HOA
$1,025/mo
C&S Management Services

Price history

Date
Event
Price
9/23/2026
Price change
Source: Stellar MLS #A4685830
$925,000-2.6%
$402/sqft
3/6/2026
Listed for sale
Source: Stellar MLS #A4685830
$950,000
$413/sqft

Neighborhood

2925 Terra Ceia Bay Blvd #2905
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $925,000
$910,000 – $925,000
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 222 after a $25,000 cut.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$7,056/mo
Principal & interest$4,824
Property taxes$744
Insurance$463
HOA$1,025
Down payment20% · $185,000
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

$925,000

$402 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,302 sq ft

Time on market

222 days

Year built

2007

Monthly payment

About $7,056/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,928 annual tax bill, insurance, and the $1,025/mo HOA fee.

HOA fee

$1,025/mo

Managed by C&S Management Services.

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.

Offer

What should I offer?

Have another question?

Brokered byREAL BROKER, LLCListing agent: Becky MallariListing data from Stellar MLS, MLS# A4685830.

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