$699,000

5523 2nd Avenue Circle

Palmetto, FL 34221

Active

Baths

0.42

Acres

◆$38/sqft◆360° tour

Land

Property type

18,295 sqft

Lot size

$38

Price / sq ft

$500/mo

HOA dues

Days on market

Flood zone

About this home

Last undeveloped waterfront lot in the community! Build your own custom home on the shores of Terra Ceia Bay and add a custom built dock of your own design so you can enjoy a sunset every night within the privately gated eleven homestead community of Terra Ceia Bay Estates. This lot has the largest acreage and the best sunset views to the West. As you build up in elevation watch the dolphins, manatees and stingrays play out in Terra Ceia Bay and see the Skyway Bridge off in the distance. Fisherman’s delight, power and sail boater’s dream with no-bridge direct Gulf access and soul soothing views for relaxing days and evenings. Everything is private in this enclave, including the community pool right outside your future front door, or perhaps build your own custom pool right on your lot. Association monthly fee includes use and care of the pool, home lawn care, shrub maintenance, and connection of your sprinkler system to the separate and private irrigation water supply. 25 minutes to downtown St. Pete, 35 minutes to Tampa airport, 20 minutes to University Mall. Waterfront lots are few and far between so what are you waiting for?

Estimated monthly payment

Principal & interest$3,535

Property taxes$608

Home insurance (est.)$320

HOA dues$500

Down payment

20%

$139,800 downRate

6.5%

Term

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 history87 days on market

Status: Active
Nov 21, 2025
Listed$750,000
Nov 21, 2025
Price reduced$699,000

Virtual Tour

Facts & features

Property type: Land
Status: Active
Days on market: 87
Subdivision: Terra Ceia Bay Estates
County: Manatee
Price/sq ft: $38
Lot size: 18,295 sq ft
Lot category: 1/4 to less than 1/2
Flood zone: AE (12081C0154F)
Annual taxes: $7,300 (2024)
Parcel #: 2233110379
Zoning: PDRCH
MLS #: TB8450560

HOA & Financial

HOA fee: $500 / Monthly
Monthly HOA: $500/mo
Total monthly fees: $500/mo
Total annual fees: $6,000
HOA name: Bill Karnes
Listing terms: Cash
Ownership: Fee Simple

Exterior & Construction

Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Available, Electrical Nearby, Electricity Available, Fiber Optics, Phone Available, Public, Sewer Available, Sprinkler Well, Underground Utilities, Water Available

Community

Pets allowed: Yes

Listing Details

Listing date: 2025-11-21
On market date: 2025-11-21
Original list price: $750,000
MLS area: 34221 - Palmetto/Rubonia
Listing AOR: Suncoast Tampa
Status changed: 2025-11-21
Tax legal description: LOT 5 TERRA CEIA BAY ESTATES TOGETHER WITH A PORTION OF LOT 4, TERRA CEIA BAY ESTATES, SD PORTION OF LOT 4 BEING MORE PARTICULARLY DESC AS FOLLOWS: BEG AT THE NORTHERNMOST COR OF SD LOT 4; TH ON AN ARC TO THE LEFT WITH A RADIUS OF 55.0 A DIST OF 20.5 8 FT, CHORD BEARING S 58 DEG 45 MIN 23 SEC E, A CHORD DIST OF 20.46 FT TO A PT OF TANGENCY; TH S 46 DEG 02 MIN

Flood risk

High riskFEMA Zone AEPanel 12081C0154F

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 North Pinellas: I 275 South to US 19, right on Palmetto Point Dr., right into 2nd Ave Cir W From North Hillsborough: I75 South to 275 N, exit US 41, turn left on US 41 South, right on 49th St E, Right on US 19 N, Left on Palmetto Point Dr., right into 2nd Ave Cir W. From South I 75: Head north on I75 to exit I275 North , exit US 41 and follow above directions.

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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 February 16, 2026 at 12:04 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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