323 Terra Ceia Drive Palmetto, FL 34221
For Sale MLS# A4684681
2 beds 2 baths 1,012 sq ft Single Family
Details for 323 Terra Ceia Drive
MLS# A4684681
Description for 323 Terra Ceia Drive, Palmetto, FL, 34221
WATERFRONT TROPIC ISLES HOME — BOAT LIFT INCLUDED! Discover this move-in-ready 2-bedroom, 2-bath canal-front home in the sought-after 55+ resident-owned Tropic Isles community on Terra Ceia Bay. This property offers a 1% lender credit. The seller is also willing to sell the boat, which is already on the boat lift, as part of a package. Relax on your private dock and enjoy direct Gulf access — a feature few homes at this price point provide — while taking in serene water views and Florida sunsets. The interior is bright and inviting, with natural light highlighting the spacious living areas. The home is being offered fully furnished, and a brand new furnace was installed in November 2025. A low monthly maintenance fee of $338 makes it perfect for either full-time living or a seasonal getaway. Tropic Isles residents enjoy a welcoming community lifestyle with a clubhouse, heated pool and spa, shuffleboard courts, and access to a marina. Conveniently located near Gulf beaches, Sarasota, Tampa, waterfront dining, and Ellenton Premium Outlets, this home offers both leisure and accessibility. Additional community amenities include meeting halls, a fitness center, library, game room, and a kayak launch, providing a range of recreational options while maintaining a tranquil waterfront setting. This property includes a lifetime termite protection warranty, which is fully transferable to the new owner.
Listing Information
Property Type: Residential, Manufactured Home
Status: Active
Bedrooms: 2
Bathrooms: 2
Lot Size: 0.08 Acres
Square Feet: 1,012 sq ft
Year Built: 1980
Stories: 1 Story
Construction: Wood Frame
Subdivision: Tropic Isles Co-Op
Foundation: Other
County: Manatee
School Information
Elementary: Palmetto Elementary-Mn
Middle: Lincoln Middle
High: Palmetto High
Room Information
Main Floor
Bedroom 2: 11.1x9
Primary Bedroom: 11x14.1
Living Room: 11x24
Dining Room: 11.3x12.4
Kitchen: 11.3x14.5
Bathrooms
Full Baths: 2
Additonal Room Information
Laundry: Laundry Room
Interior Features
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Flooring: Carpet
Additional Interior Features: Other, Walk-In Closet(s)
Utilities
Water: Public
Sewer: Public Sewer
Other Utilities: Municipal Utilities
Cooling: Central Air
Heating: Central
Exterior / Lot Features
Roof: Shingle
Pool: Community
Lot View: Bay,Canal,Water
Additional Exterior/Lot Features: Other, Buyer Approval Required
Waterfront Details
Water Front Features: Bay Access, Bayfront, Canal Front
Community Features
Community Features: Fitness, Golf Carts OK, Recreation Area, Water Access, Community Mailbox, Waterfront, Boat Facilities, Marina, Pool, Clubhouse
Association Amenities: Maintenance Grounds, Clubhouse
HOA Dues Include: Water, Trash, Sewer, Recreation Facilities, Pool(s), Association Management
Homeowners Association: Yes
HOA Dues: $338 / Monthly
Driving Directions
From 28th Ave W, turn onto Tampico Dr, Montego Dr, or Basin St to access Terrace Ceia Dr. Continue driving south on Terrace Ceia Dr until you reach the property.
Financial Considerations
Terms: Cash,Conventional,FHA,VA Loan
Tax/Property ID: 2925521209
Tax Amount: 3605
Tax Year: 2025
A broker reciprocity listing courtesy: EXP REALTY, LLC
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Payment Calculator
Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional loan programs may be available. Accuracy is not guaranteed, and all products may not be available in all borrower's geographical areas and are based on their individual situation. This is not a credit decision or a commitment to lend.
Sales History & Tax Summary for 323 Terra Ceia Drive
Sales History
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Tax Summary
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Data powered by ATTOM Data Solutions. Copyright© 2026. Information deemed reliable but not guaranteed.
Schools
Schools nearby 323 Terra Ceia Drive
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The schools shown represent both the assigned schools and schools by distance based on local school and district attendance boundaries. Attendance boundaries change based on various factors and proximity does not guarantee enrollment eligibility. Please consult your real estate agent and/or the school district to confirm the schools this property is zoned to attend. Information is deemed reliable but not guaranteed.
SchoolDigger ® Rating
The SchoolDigger rating system is a 1-5 scale with 5 as the highest rating. SchoolDigger ranks schools based on test scores supplied by each state's Department of Education. They calculate an average standard score by normalizing and averaging each school's test scores across all tests and grades.
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