2320 Terra Ceia Bay Blvd #207, photo 1
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Overview

2 bd2 ba936 sqftCondominium
TypeCondominium
HOA$826.66/mo
Built1991
Lot138,809 sqft
Living area936 sqft
Price / sqft$149

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

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Stone CountersVaulted Ceiling(s)Walk-in Closet(s)Window TreatmentsBalconyHurricane Shutters

2320 Terra Ceia Bay Blvd #207 is a 1991-built home in The Terra Ceia Club A Condomini Cb28/185, Palmetto. Inside you'll find 2 bedrooms, 2 bathrooms, and 936 square feet of living space. Listed at $139,900 (about $149/sqft), 123 days on market. Flood zone x500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $826.66 monthly.

From the listing

Hurricane shutters • Golf course views • Screened lanai • Updated HVAC • Gated golf community Enjoy golf course views, move-in-ready condition, and valuable hurricane protection in this updated 2-bedroom, 2-bath condominium located within the gated Terra Ceia Bay Golf & Country Club community. From the moment you enter, you'll appreciate the bright interior, neutral finishes, and tile flooring that extends throughout the entire residence. One of the home's standout features is its hurricane shutter system, providing an added layer of storm protection and peace of mind. Combined with low-maintenance condominium living, this feature makes the property especially appealing for both year-round and seasonal residents. The spacious kitchen offers abundant cabinet storage, generous countertop workspace, stainless steel appliances, recessed LED lighting, and premium Silestone Rosa Grey 3cm countertops. This non-porous surface delivers the look of natural stone while resisting stains, scratches, bacteria, and scorching without requiring sealing or polishing. A filtered drinking water system serves both the kitchen faucet and refrigerator ice maker. Recent improvements include freshly painted walls, doors, and trim; professionally steam-cleaned porcelain tile and grout throughout; new toilets; updated push-button sink drains; new bathroom lighting fixtures; recessed LED lighting; updated ceiling fans; new rocker switches; dimmer switches; GFCI outlets; and electrical outlets throughout the home. Major mechanical updates include an HVAC system installed in September 2018 and a water heater replaced in June 2020. The open living and dining areas flow seamlessly to the screened lanai, where golf course views and mature landscaping create an inviting outdoor retreat. Large sliding glass doors bring natural light into the main living space while maintaining a strong connection to the outdoor setting. A built-in serving and storage area adds both function and convenience. The primary suite features ample closet space and an updated dual-sink vanity with Silestone countertops. The split-bedroom layout provides flexibility for guests, a home office, or seasonal living arrangements. Residents enjoy access to a wide range of amenities including golf, tennis courts, a community pool, fitness center, clubhouse, and beautifully maintained grounds. Conveniently located near Terra Ceia Bay, US-41, I-75, downtown Palmetto, downtown Bradenton, marinas, waterfront recreation, shopping, dining, and Gulf Coast destinations. If you've been searching for a move-in-ready condominium with golf course views, hurricane shutters, updated HVAC, newer water heater, resort-style amenities, and low-maintenance Florida living, this Terra Ceia Bay residence deserves your attention.

The essentials

Built
1991
Price / sqft
$149
On market
123 days
Annual tax
$3,479
HOA
$826.66/mo
Flood zone
X500 · Low risk
Lot
138,809 sqft
Type
Condominium

At a glance

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

Payment

Est. monthly payment
$1,917/mo
Down payment (20%)
$27,980
Property taxes
$290/mo
HOA
$826.66/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1991
Lot
138,809 sqft
Cooling
Central Air
Heating
Electric
Parking
None
Days on Market
123
Cathedral Ceiling(s)
Ceiling Fans(s)
Stone Counters
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Balcony
Hurricane Shutters
Storage
Tennis Court(s)
Association Recreation - Owned
Buyer Approval Required
Deed Restrictions
Fitness Center
Golf
Irrigation-reclaimed Water
Pool
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Range
Refrigerator
Washer
In a CDD (Community Development District) Flood Zone x500
Annual Tax (2025)
$3,479
Parcel #
2416805857

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 A Condomini Cb28/185
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
138,809 sqft
FloodZoneSidewalk
HOA
$826.66/mo
Stacia Searcy

Price history

Date
Event
Price
7/4/2026
Price change
Source: Stellar MLS #A4696430
$139,900-3.5%
$149/sqft
6/10/2026
Listed for sale
Source: Stellar MLS #A4696430
$144,990
$155/sqft

Neighborhood

2320 Terra Ceia Bay Blvd #207
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $139,900
$137,000 – $139,900
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 123 after a $5,090 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
$1,917/mo
Principal & interest$730
Property taxes$290
Insurance$70
HOA$827
Down payment20% · $27,980
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

$139,900

$149 per sq ft

Beds and baths

2 beds, 2 baths

Size

936 sq ft

Time on market

123 days

Year built

1991

Monthly payment

About $1,917/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,479 annual tax bill, insurance, and the $826.66/mo HOA fee.

HOA fee

$826.66/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.

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Have another question?

Brokered byMANGROVE REALTY ASSOCIATESListing agent: Antonio LopezListing data from Stellar MLS, MLS# A4696430.

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