


$527,500
5539 2nd Avenue Circle
Palmetto, FL 34221
Listing updated: July 17, 2026 at 10:37 AM ET
Property type
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Build your dream waterfront home in the exclusive gated community of Terra Ceia Bay Estates, one of the Gulf Coast’s best-kept secrets. With only ten residences in the neighborhood, this rare bayfront homesite offers the privacy, boating access, and location that waterfront buyers are searching for. Featuring 118 feet of direct frontage on Terra Ceia Bay, the property includes a private dock and boat lift with no bridges to Tampa Bay or the Gulf of Mexico. Spend your weekends boating to waterfront restaurants, exploring nearby sandbars, fishing for snook and redfish, or simply enjoying panoramic sunset views from your dock while your custom home comes to life. Unlike many waterfront opportunities in Florida, there are no costly demolition expenses, permitting delays tied to tearing down an older structure, or compromises with outdated floorplans. This blank canvas allows you to design a fully customized elevated coastal residence with the latest in luxury finishes, hurricane standards, smart home technology, and modern waterfront architecture. A survey, environmental reports, and engineered home plans are already available, helping streamline the building process and saving valuable time. While construction progresses, you can still enjoy the boating lifestyle immediately by utilizing your private dock and lift from day one. Residents of Terra Ceia Bay Estates enjoy maintenance-free living with lawn care, irrigation, and a community pool included through the HOA. Ideally positioned near US-19, I-275, and the Sunshine Skyway Bridge, the property offers convenient access to downtown St. Petersburg, Tampa, Sarasota, Anna Maria Island, and Gulf beaches, all within approximately 25 minutes. Waterfront lots with direct bay access, private docks, no-bridge Gulf access, and this level of exclusivity rarely become available in Terra Ceia. This is an opportunity to create a legacy waterfront estate in one of the most unique coastal communities in the Tampa Bay area.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history304 days on market
- Status: ActiveNov 20, 2025
- Listed$669,000Sep 9, 2025
- Price reduced$527,500
Facts & features
- Property type
- Land
- Status
- Active
- Days on market
- 304
- Cumulative DOM
- 578
- Subdivision
- Terra Ceia Bay Estates
- County
- Manatee
- Price/sq ft
- $39
- Lot size
- 13,504 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- AE (12081C0154F)
- Annual taxes
- $6,875 (2024)
- Parcel #
- 2233110556
- Zoning
- PDRCH
- MLS #
- A4663830
Ask about this home
Have a question? Ask the broker directly.
Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.
Interior Details
- Direction faces
- South
HOA & Financial
- HOA fee
- $1,500 / Quarterly
- Monthly HOA
- $500/mo
- Total monthly fees
- $500/mo
- Total annual fees
- $6,000
- HOA name
- Terra Ceia Bay Estates c/o Rob Munns
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
Exterior & Construction
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Available, Public, Sewer Available, Water Available
Community
- Pets allowed
- Cats OK, Dogs OK
Listing Details
- Listing date
- 2025-09-09
- On market date
- 2025-09-09
- Original list price
- $669,000
- MLS area
- 34221 - Palmetto/Rubonia
- Listing AOR
- Sarasota - Manatee
- Status changed
- 2025-11-20
- Tax legal description
- LOT 9 TERRA CEIA BAY ESTATES PI#22331.1055/6
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
US19 TO PALMETTO POINT DRIVE- LOCATED AT THE LONG BLOCK WALL- GATE CALL BOX ON THE RIGHT-
More homes like this


$699,000
5523 2nd Avenue Cir W
Palmetto, FL 34221
0.42 acres
Terra Ceia Bay Estates
MLS ID #TB8450560, KARNES REALTY GROUP.
Listing provided by Stellar MLS
$450,000
5315 9th Avenue Dr W
Bradenton, FL 34209
4 bd · 3 ba · 2,105 sqft
Fairway Acres Unit Four
MLS ID #W7887250, THE WILKINS WAY LLC.
Listing provided by Stellar MLS

$615,000
2805 105th St E
Palmetto, FL 34221
4 bd · 3 ba · 1,817 sqft
Acreage
MLS ID #O6423662, OPENDOOR BROKERAGE LLC.
Listing provided by Stellar MLS

$549,900
10908 38th Terrace East
Palmetto, FL 34221
4 bd · 3 ba · 2,555 sqft
Mandarin Grove
MLS ID #TB8497905, PERRY HOMES.
Listing provided by Stellar MLS
Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of July 17, 2026 at 10:37 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA