2825 Terra Ceia Bay Boulevard, FL
Stellar MLS

$825,000

2825 Terra Ceia Bay Boulevard

Palmetto, FL 34221

Active
3
Beds
2
Baths
2,007
Sq Ft
1.47
Acres
2007
Built
WaterfrontWater access55+ community1.47 acres$411/sqft
Condominium

Property type

2007

Year built

64,019 sqft

Lot size

$411

Price / sq ft

$1,025/mo

HOA dues

83

Days on market

AE

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

Principal & interest$4,172
Property taxes$723
Home insurance (est.)$378
HOA dues$1,025

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

  1. Status: Active
    Mar 13, 2026
  2. Listed$875,000
    Mar 13, 2026
  3. 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

RoomLevelDimensions
FoyerFirst
Bathroom 2First8.7x5.1
Bedroom 2First12.1x11
Bedroom 3First10.6x11
LaundryFirst5.4x12.8
DenFirst11.3x11.8
KitchenFirst9.2x12.8
Dining RoomFirst
Living RoomFirst
Primary BedroomFirst11.3x28.5
Primary BathroomFirst11.3x11.1
Balcony/Porch/LanaiFirst9.4x19.3

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

High riskFEMA Zone AEPanel 12081C0162F

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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MLS GRID

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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