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$159,900

2320 TERRA CEIA BAY BOULEVARD UNIT 108, PALMETTO, FL 34221

3D Tour
Active137 days on market

Beds

2

Baths

2

Sq Ft

978 sq ft

Year Built

1991

Lot Size

3.19 acres

Garage

,

About This Property

Welcome to easy Florida living in the sought-after Terra Ceia Golf & Country Club! This beautifully updated turnkey 2-bedroom, 2-bath ground-floor condo offers comfort, convenience, and an extended lanai perfect for enjoying peaceful sunsets and the coastal lifestyle. Thoughtfully maintained and featuring a brand-new HVAC system, this move-in-ready residence is ideal for seasonal living or year-round enjoyment. Milestone and SIRS inspections have already been completed for added peace of mind. Residents enjoy an active community lifestyle with pickleball, golf, tennis, a fitness center, pool, and dining and social events at the Back Bay Grill. Centrally located near three international airports, shopping, arts, marinas, fishing, boating, major league sports, and some of Florida’s most beautiful beaches including Anna Maria Island, Siesta Key, and Clearwater Beach. Easy to show!

Property Overview

Property TypeResidential
Sub TypeCondominium
MLS #A4692946
StatusActive
Year Built1991
Stories8
Total Rooms5
ConstructionStucco
RoofOther
FoundationBlock, Concrete Perimeter
FacesSouthwest
SubdivisionTHE TERRA CEIA CLUB
CountyManatee
OwnershipCondominium
FurnishedTurnkey

Interior Features

InteriorCeiling Fan(s), Elevator, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Stone Counters, Thermostat, Walk-In Closet(s)
FlooringCarpet, Laminate, Vinyl
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryInside
WindowsBlinds
CoolingCentral Air, Humidity Control
HeatingCentral, Electric
SecurityFire Alarm, Fire Sprinkler System, Gated Community, Smoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Lighting, Private Entrance, Private Mailbox, Sidewalk, Sliding Doors
Lot Size3.19 acres (138,980 sq ft)
Lot FeaturesCity Lot
Road SurfaceAsphalt, Paved
ViewTrees/Woods, Water
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Sprinkler Recycled, Street Lights, Underground Utilities, Water Connected

Parking

GarageNo

HOA & Community

HOAYes
HOA Fee$844 / Monthly
Senior CommunityNo

Financial Details

List Price$159,900
Annual Taxes$4,021 (2025)
FinancingCash, Conventional
ZoningPDH
Parcel #2416805303

Schools

ElementaryPalmetto Elementary-MN
MiddleLincoln Middle
HighPalmetto High

Directions

From US-41 take the roundabout at 23rd St W, continue on 23rd street to the gate house at Palms of Terra Ceia Bay. Gate is open during daylight hours. Community is the first on your right. Park in any Guest parking spot.

Location

2320 TERRA CEIA BAY BOULEVARD UNIT 108, PALMETTO, FL 34221

Listing Information

OfficeLPT REALTY, LLC
ListedMay 22, 2026

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Home Price

$159,900

20% ($31,980)
6.75%

Loan Term

Principal & Interest$830
Property Tax (est.)$147
Insurance (est.)$150
Total Monthly$1,126
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $159,900 home in PALMETTO.

🏦

Conventional

$7,995 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Manatee County SHIP

Varies

Income-qualifying Manatee residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: September 15, 2026.

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