$345,000
323 Terra Ceia Drive
Palmetto, FL 34221
Listing updated: July 21, 2026 at 4:26 PM ET
Listing courtesy of Exp Realty, Llc · Jennifer Kenna · MLS #A4684681 · Active · 941-462-3321Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
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. 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.
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 history140 days on market
- Status: ActiveMar 3, 2026
- Listed$395,000Mar 3, 2026
- Price reduced$345,000
Facts & features
- Property type
- Residential
- Sub type
- Manufactured Home
- Status
- Active
- Days on market
- 140
- Subdivision
- Tropic Isles Co-Op
- County
- Manatee
- Year built
- 1980
- Living area
- 1,012 sq ft
- Price/sq ft
- $341
- Building area
- 1,540 sq ft (Public Records)
- Lot size
- 3,463 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12081C0163F)
- Annual taxes
- $3,605 (2025)
- Parcel #
- 2925521209
- Zoning
- MHP1
- MLS #
- A4684681
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Carpet
- Appliances
- Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- Interior features
- Other, Walk-In Closet(s)
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- Northwest
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Carport
- Yes
HOA & Financial
- HOA fee
- $338 / Monthly
- Monthly HOA
- $338/mo
- Total monthly fees
- $338/mo
- Total annual fees
- $4,056
- HOA name
- Tropic Isle Coop - BARBARA MCEVOY
- CDD
- No
- Min lease term
- 1 Month
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- COMPLETE NEW RESIDENT/BACKGROUND APPLICATION. $100 NON REFUNDABLE FEE APPLIES. BOARD OF DIRECTORS APPROVAL REQUIRED. SEE RULES AND REGULATIONS. 55+ COMMUNITY
- Approval process
- COMPLETE NEW RESIDENT/BACKGROUND APPLICATION. $100 NON REFUNDABLE FEE APPLIES. BOARD OF DIRECTORS APPROVAL REQUIRED. SEE RULES AND REGULATIONS. 55+ COMMUNITY
Exterior & Construction
- Exterior features
- Other
- Construction materials
- Frame
- Roof
- Shingle
- Foundation
- Other
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Concrete
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Public
Community
- Pets allowed
- Yes
- Senior community
- 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 |
|---|---|---|
| Kitchen | First | 14.5x11.3 |
| Dining Room | First | 12.4x11.3 |
| Living Room | First | 24x11 |
| Primary Bedroom | First | 14.1x11 |
| Bedroom 2 | First | 9x11.1 |
Listing Details
- Listing date
- 2026-03-03
- On market date
- 2026-03-03
- Original list price
- $395,000
- Occupant type
- Owner
- MLS area
- 34221 - Palmetto/Rubonia
- Listing AOR
- Sarasota - Manatee
- Status changed
- 2026-03-03
- Tax legal description
- UNIT 323 TROPIC ISLES CO-OP INC PI#29255.2120/9
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 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.
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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 July 21, 2026 at 4:26 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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