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2320 Terra Ceia Bay Blvd #108, Palmetto, FL, 34221

$163/sqft·The Terra Ceia Club

2 bd2 ba978 sqftCondominium
Listed by LPT REALTY, LLC· Last updated · MLS# A4692946

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

Est. monthly payment
$2,093/mo
Down payment (20%)
$31,980
Property taxes
$335/mo
HOA
$844/mo
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

High-rise condo
8 stories · 1991
Water views
Trees/Woods
Community pool
Fitness center too
978 sqft
Living area

About this home

Ceiling Fans(s)ElevatorLiving Room/Dining Room ComboPrimary Bedroom Main FloorStone CountersThermostatWalk-in Closet(s)Lighting

2320 Terra Ceia Bay Blvd #108 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 $159,900 (about $163/sqft), 81 days on market. Flood zone AE, X - confirm flood insurance requirements with your lender. HOA runs $844 monthly.

From the listing

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!

The essentials

Built
1991
Price / sqft
$163
On market
112 days
Annual tax
$4,021
HOA
$844/mo
Flood zone
AE, X
Lot
138,980 sqft
Type
Condominium

Location

2320 Terra Ceia Bay Blvd #108
Palmetto, FL, 34221·34221 - Palmetto/Rubonia
Type
Condominium
Year Built
1991
Lot
138,980 sqft
Cooling
Central Air, Humidity Control
Heating
Central, Electric
Parking
Deeded
Days on Market
112
Ceiling Fans(s)
Elevator
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Stone Counters
Thermostat
Walk-in Closet(s)
Lighting
Private Entrance
Private Mailbox
Sidewalk
Sliding Doors
Buyer Approval Required
Clubhouse
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Golf
Pool
Restaurant
Sidewalks
Tennis Court(s)
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer

Elementary

Palmetto Elementary-MN

Middle

Lincoln Middle

High

Palmetto High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District)Flood Zone AE, X

Annual Tax (2025)

$4,021

Parcel #

2416805303

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

138,980 sqft

City Limits
HOA
$844/mo
Michelle Ash
Date
Event
Price
5/22/2026
Listed for sale
Source: Stellar MLS #A4692946
$159,900
$163/sqft
Est. monthly payment$2,093/mo
Principal & interest$834
Property taxes$335
Insurance$80
HOA$844
Down payment20% · $31,980
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 is the fee 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.

Offer Insights

Choose an offer strength

List price: $159,900
$157,500 – $159,900
98.5% – 100% of listTops out right at the list price
80% of listList price
10 of the last 19 condo closings in 34221 landed at this number or higher (53%). The median one sat 100 days before it went under contract, and this one is on day 112.

Sample: 19 closed condo sales in 34221 over the last 8 months, Stellar MLS. A small sample in a thin market. A starting point, not a guarantee.

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