5523 2nd Avenue Cir W, photo 1
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Overview

0 baLand
TypeLand
HOA$500/mo
Lot18,295 sqft

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

About this home

Gated Community - No GuardGolf Carts OKIrrigation-reclaimed WaterPoolStreet Lights

5523 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 $500 monthly.

From the listing

Last undeveloped waterfront lot in the community! Build your own custom home on the shores of Terra Ceia Bay and add a custom built dock of your own design so you can enjoy a sunset every night within the privately gated eleven homestead community of Terra Ceia Bay Estates. This lot has the largest acreage and the best sunset views to the West. As you build up in elevation watch the dolphins, manatees and stingrays play out in Terra Ceia Bay and see the Skyway Bridge off in the distance. Fisherman’s delight, power and sail boater’s dream with no-bridge direct Gulf access and soul soothing views for relaxing days and evenings. Everything is private in this enclave, including the community pool right outside your future front door, or perhaps build your own custom pool right on your lot. Association monthly fee includes use and care of the pool, home lawn care, shrub maintenance, and connection of your sprinkler system to the separate and private irrigation water supply. 25 minutes to downtown St. Pete, 35 minutes to Tampa airport, 20 minutes to University Mall. Waterfront lots are few and far between so what are you waiting for?

The essentials

On market
332 days
Annual tax
$7,300
HOA
$500/mo
Flood zone
AE
Lot
18,295 sqft
Type
Land

At a glance

Land
Community pool
Shared amenity
0.42 acres
Lot size

Payment

Est. monthly payment
$4,251/mo
Down payment (20%)
$110,000
Property taxes
$608/mo
HOA
$500/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
18,295 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
332
Gated Community - No Guard
Golf Carts OK
Irrigation-reclaimed Water
Pool
Street Lights
Flood Zone AE
Annual Tax (2024)
$7,300
Parcel #
2233110379

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
18,295 sqft
HOA
$500/mo
Bill Karnes

Price history

Date
Event
Price
8/19/2026
Price change
Source: Stellar MLS #TB8450560
$550,000-21.3%
-
Price change
Source: Stellar MLS #TB8450560
$699,000-6.8%
11/21/2025
Listed for sale
Source: Stellar MLS #TB8450560
$750,000

Neighborhood

5523 2nd Avenue Cir W
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Calculator

Est. monthly payment
$4,252/mo
Principal & interest$2,868
Property taxes$608
Insurance$275
HOA$500
Down payment20% · $110,000
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

$550,000

Time on market

332 days

Monthly payment

About $4,251/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,300 annual tax bill, insurance, and the $500/mo HOA fee.

HOA fee

$500/mo

Managed by Bill Karnes.

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 byKARNES REALTY GROUPListing agent: William Karnes, IIListing data from Stellar MLS, MLS# TB8450560.

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