2320 Terra Ceia Bay Blvd #403, photo 1
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Overview

2 bd2 ba978 sqftCondominium
TypeCondominium
HOA$844/mo
Built1991
Lot138,948 sqft
Living area978 sqft
Price / sqft$143

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

About this home

Ceiling Fans(s)Sliding DoorsBuyer Approval RequiredDeed RestrictionsFitness CenterGated Community - No GuardPoolDishwasher

2320 Terra Ceia Bay Blvd #403 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 $140,000 (about $143/sqft), 95 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $844 monthly.

From the listing

Hugh price drop, Seller wants it sold! 2 bedroom 2 bath 4th floor unit with screened lanai and fantastic view of pool, golf course and fields beyond. New air conditioner, refrigerator, washer, dryer and dishwasher. Freshly painted interior. Enjoy designated covered parking with storage room. Community offers exercise room, club house, golf and swimming pool. Community is located on Terra Ceia Bay and only 13 miles to renowned Anna Maria Island. Room dimensions are approximate and should be verified.

The essentials

Built
1991
Price / sqft
$143
On market
95 days
Annual tax
$3,964
HOA
$844/mo
Flood zone
X500 · Low risk
Lot
138,948 sqft
Type
Condominium

At a glance

High-rise condo
8 stories · 1991
Community pool
Fitness center too
978 sqft
Living area

Payment

Est. monthly payment
$1,974/mo
Down payment (20%)
$28,000
Property taxes
$330/mo
HOA
$844/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1991
Lot
138,948 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
95
Ceiling Fans(s)
Sliding Doors
Buyer Approval Required
Deed Restrictions
Fitness Center
Gated Community - No Guard
Pool
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X500
Annual Tax (2025)
$3,964
Parcel #
2416806855

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
Lot Size
138,948 sqft
HOA
$844/mo
Stacia Searcy

Price history

Date
Event
Price
8/14/2026
Price change
Source: Stellar MLS #TB8528252
$140,000-12.5%
$143/sqft
7/9/2026
Listed for sale
Source: Stellar MLS #TB8528252
$160,000
$164/sqft

Neighborhood

2320 Terra Ceia Bay Blvd #403
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $140,000
$137,000 – $140,000
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 95 after a $20,000 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
$1,974/mo
Principal & interest$730
Property taxes$330
Insurance$70
HOA$844
Down payment20% · $28,000
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

$140,000

$143 per sq ft

Beds and baths

2 beds, 2 baths

Size

978 sq ft

Time on market

95 days

Year built

1991

Monthly payment

About $1,974/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,964 annual tax bill, insurance, and the $844/mo HOA fee.

HOA fee

$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 byOCEAN LIFE REALTY INCListing agent: Eric Von HealListing data from Stellar MLS, MLS# TB8528252.

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