$825,000
2825 Terra Ceia Bay Boulevard
Palmetto, FL 34221
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
MARKET ADJUSTMENT!!! GORGEOUS fully renovated WATERFRONT corner residence in The Bay Club. This beautiful 3-bedroom plus den, 2-bath coastal contemporary condo is completely MOVE-IN READY, offering sweeping water views of Terra Ceia Bay, Tampa Bay, and the iconic Sunshine Skyway Bridge as your backdrop. This desirable split-bedroom, open-concept layout features two spacious balconies, allowing you to enjoy breathtaking sunrises over the Terra Ceia Golf Course and spectacular sunsets over Terra Ceia Bay and Tampa Bay with the Sunshine Skyway Bridge in the distance. Floor-to-ceiling windows and sliding glass doors flood the home with natural light, with the bayfront primary suite overlooking the water while the additional bedrooms enjoy peaceful golf course views. The stunning updated kitchen showcases elegant quartzite countertops and a full suite of 2023 Bosch appliances including refrigerator, oven, and dishwasher, along with a 2023 Café microwave, blending beautiful design with high-end functionality. Significant system upgrades provide peace of mind, including a 2023 tankless water heater, Halo whole-home water purification and filtration system, and a Trane HVAC system installed May 2021 with UV air purification. Throughout the residence, windows are enhanced with plantation shutters or electric blinds, adding both style and convenience. Additional designer touches include new flooring in the primary suite and a custom ceiling detail that adds an elevated architectural finish. Every improvement has already been completed, making this residence truly TURNKEY with all the hard work already done. The Bay Club community continues to make meaningful investments in the future of the property, including a NEW ROOF completed in 2025, completed reserve study, REDUCED HOA FEES, and ongoing building sealing and painting enhancements currently underway throughout the community. NO SPECIAL ASSESSMENTS are currently forecasted, helping provide confidence and long-term stability for future owners. The community also remains FINANCEABLE, with lenders continuing to provide condominium financing opportunities for qualified buyers. Located within Terra Ceia Bay Country Club, where memberships are available but not required for golf, tennis, fitness, and a clubhouse with restaurant, pool, and tiki bar, this gated community offers a relaxed Florida waterfront lifestyle. Residents also enjoy a fishing pier and scenic waterfront nature walk perfect for birdwatching, sunset strolls, and enjoying the natural beauty of the bay. You are also just moments from the Gulf beaches, with convenient access to the Gulf Islands Ferry providing direct service to award-winning Anna Maria Island. This rare waterfront corner residence with designer renovations, and upgraded systems offers the perfect combination of luxury, comfort, and maintenance-free living just minutes from dining, parks, and easy access to St. Petersburg, Tampa, and Sarasota. Schedule your private showing today and experience Bay Club waterfront living at its finest.
Local Insight
At $411/sqft for a 2007 waterfront unit in a 55+ community, you're paying a premium that hinges entirely on that AE flood zone designation—make sure your flood insurance costs are factored into your long-term budget, as they can be significant. The 1.47-acre lot and water access are genuine draws, but the $1,025 monthly HOA is steep, so verify exactly what's included and whether there are any pending special assessments for building maintenance or seawall work. This is the kind of property where location appeal can mask real carrying costs, so run the full numbers before falling in love with the waterfront view.
AI-generated insight based on listing data and neighborhood context. Verify independently.
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 history83 days on market
- Status: ActiveMar 13, 2026
- Listed$875,000Mar 13, 2026
- Price reduced$825,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Condominium
- Status
- Active
- Days on market
- 83
- Subdivision
- Bay Club Ph I
- County
- Manatee
- Year built
- 2007
- Living area
- 2,007 sq ft
- Price/sq ft
- $411
- Building area
- 2,217 sq ft (Public Records)
- Lot size
- 64,019 sq ft
- Flood zone
- AE (12081C0162F)
- Annual taxes
- $8,671 (2025)
- Parcel #
- 2413214509
- Zoning
- PDH
- MLS #
- TB8486034
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Ceramic Tile, Hardwood
- Appliances
- Dishwasher, Disposal, Dryer, Freezer, Ice Maker, Microwave, Range, Refrigerator, Tankless Water Heater, Washer, Water Filtration System, Water Purifier
- Interior features
- Ceiling Fans(s), Coffered Ceiling(s), High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s), Window Treatments
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Attached garage
- No
- Parking features
- Guest, Open
HOA & Financial
- HOA fee
- $1,025 / Monthly
- Monthly HOA
- $1,025/mo
- Total monthly fees
- $1,025/mo
- Total annual fees
- $12,300
- HOA name
- C&S MANAGEMENT SERVICES
- CDD
- Yes
- Homestead exemption
- Yes
- Min lease term
- 3 Months
- Listing terms
- Cash, Conventional
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Please see attached Community Rules & Regs (page 10) or contact Property Management for specific details.
- Approval process
- Please see attached Bay Club Association Application.
Exterior & Construction
- Exterior features
- Balcony, Courtyard, Fire Pit, Lighting, Outdoor Grill, Outdoor Shower, Private Mailbox, Sidewalk, Sliding Doors, Storage, Tennis Court(s)
- Construction materials
- Block, Concrete, Stucco
- Roof
- Built-Up, Concrete, Membrane
- Foundation
- Concrete Perimeter, Pillar/Post/Pier, Stilt/On Piling
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt, Concrete, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Cable Connected, Electricity Available, Electricity Connected, Fire Hydrant, Phone Available, Public, Sewer Available, Sewer Connected, Sprinkler Meter, Sprinkler Recycled, Underground Utilities, Water Available, Water Connected
Community
- Pets allowed
- Yes
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Foyer | First | |
| Bathroom 2 | First | 8.7x5.1 |
| Bedroom 2 | First | 12.1x11 |
| Bedroom 3 | First | 10.6x11 |
| Laundry | First | 5.4x12.8 |
| Den | First | 11.3x11.8 |
| Kitchen | First | 9.2x12.8 |
| Dining Room | First | |
| Living Room | First | |
| Primary Bedroom | First | 11.3x28.5 |
| Primary Bathroom | First | 11.3x11.1 |
| Balcony/Porch/Lanai | First | 9.4x19.3 |
Listing Details
- Listing date
- 2026-03-12
- On market date
- 2026-03-13
- Original list price
- $875,000
- Occupant type
- Owner
- MLS area
- 34221 - Palmetto/Rubonia
- Listing AOR
- Orlando Regional
- Status changed
- 2026-03-13
- Tax legal description
- UNIT 1705, PHASE 1, BAY CLUB, A CONDOMINIUM; PI#24132.1450/9
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 the roundabout on Hwy 41 in Palmetto, take 23rd Avenue to the entrance of the Palms of Terra Ceia Bay community and enter through the Guest Entrance. Follow the road all the way to the end, and you'll see Bay Club (Building 2825) on the right
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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 June 4, 2026 at 11:59 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.
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