$349,000
1505 Terra Ceia Bay Circle
Palmetto, FL 34221
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Enjoy the best of **Florida waterfront and golf course living** in this beautifully maintained **3-bedroom, 2-bath condo overlooking the 18th hole of Terra Ceia Bay Golf Course and a scenic lake** filled with native Florida wildlife. Located in the sought-after **Palms of Terra Ceia Bay**, this move-in-ready residence offers peaceful views, privacy, and an unbeatable lifestyle just minutes from St. Petersburg, Tampa, and Gulf Coast beaches. The **air-conditioned Florida Room**, thoughtfully designed as part of the original floor plan, maximizes the breathtaking golf and water views while creating a bright and inviting space to relax or entertain. Inside, you’ll find quality upgrades throughout including **quartz kitchen countertops, marble bath countertops, plantation shutters, a skylight, luxury vinyl plank flooring, and elegant 4.25-inch ogee baseboards**. Residents enjoy resort-style amenities including a **500-foot fishing pier on Terra Ceia Bay, scenic mangrove boardwalks, championship golf, tennis, pickleball, and an active clubhouse** with dining and social events such as bingo, trivia, and tiki gatherings. **Low condo fees include cable, internet, landscaping, and building maintenance**, making this an exceptional value for full-time residents, seasonal owners, or investors seeking the ideal **Florida golf and waterfront lifestyle**. A rare opportunity in one of **Palmetto’s most unique bayfront golf communities**.
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 history185 days on market
- Status: ActiveOct 30, 2025
- Listed$359,900Oct 30, 2025
- Price reduced$349,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Condominium
- Status
- Active
- Days on market
- 185
- Subdivision
- Bay Estates North
- County
- Manatee
- Year built
- 1997
- Living area
- 1,659 sq ft
- Price/sq ft
- $210
- Building area
- 2,075 sq ft (Public Records)
- Lot size
- 267,144 sq ft
- Flood zone
- AE
- Garage
- 2 spaces
- Annual taxes
- $6,431 (2024)
- Parcel #
- 2412715951
- Zoning
- PDH
- MLS #
- A4668835
Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Luxury Vinyl
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
- Interior features
- Cathedral Ceiling(s), Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Split Bedroom, Stone Counters, Vaulted Ceiling(s), Walk-In Closet(s)
- Laundry
- Other
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- $457/mo
- Total annual fees
- $5,480
- HOA name
- Stacia Searcy
- CDD
- Yes
- Min lease term
- 2 Months
- Listing terms
- Cash, Conventional
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyers agent to verify lease restrictions with Cams By Stacia
- Approval process
- Submit application and credit authorization to Cams by Stacia along with fee for both
Exterior & Construction
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Waterfront
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Public, Sewer Connected, Sprinkler Recycled, Underground Utilities, Water Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 22.9x15.1 |
| Kitchen | First | 14.1x10.2 |
| Florida Room | First | 8.3x17.2 |
| Primary Bedroom | First | 21.2x12.1 |
| Bedroom 2 | First | 12.3x9.5 |
| Bedroom 3 | First | 12.11x12.6 |
Listing Details
- Listing date
- 2025-10-24
- On market date
- 2025-10-30
- Original list price
- $359,900
- Occupant type
- Vacant
- MLS area
- 34221 - Palmetto/Rubonia
- Listing AOR
- Sarasota - Manatee
- Status changed
- 2025-10-30
- Tax legal description
- UNIT 39 BAY ESTATES NORTH CONDO PI#24127.1595/1
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
From Hwy 41 in Palmetto at the round about take 23rd avenue toward Terra Ceia Bay Golf Community, Travel through the public side of the gate and continue about 1/2 mile, turn right on Terra Ceia Bay Circle. Condo is at the end of this road
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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 May 3, 2026 at 3:06 PM 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.
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