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$875,000

2925 Terra Ceia Bay BoulevardPalmetto, FL 34221

Listing updated: October 29, 2026 at 10:37 AM ET

Active

Listing courtesy of Real Broker, Llc · Becky Mallari · MLS #A4688369 · Active · 855-450-0442

Beds

Baths

2,423

Sq Ft

1.76

Acres

2007

Built

◆Water view◆Water access◆1.76 acres◆$361/sqft

Condominium

Property type

2007

Year built

76,865 sqft

Lot size

$361

Price / sq ft

$1,025/mo

HOA dues

346

Days on market

Garage space

Flood zone

About this home

PENTHOUSE WATER VIEWS | PRIVATE GARAGE | BAY CLUB VALUE. Experience elevated Florida living in this spacious PENTHOUSE residence with sweeping WATER VIEWS of Terra Ceia Bay, the Sunshine Skyway Bridge, and the St. Petersburg skyline. This 3 BEDROOM + DEN/OFFICE | 2.5 BATH home features a desirable SPLIT FLOOR PLAN, soaring 10-FOOT CEILINGS, and an open-concept layout ideal for everyday living and entertaining. The main living area opens to an EXPANSIVE PRIVATE BALCONY, creating the perfect setting for peaceful mornings, refreshing breezes, and unforgettable Florida sunsets. A dedicated DEN/OFFICE WITH BUILT-IN DESK offers flexible space for working from home, reading, or hobbies. Thoughtfully refreshed with NEW LIGHTING, FRESH INTERIOR PAINT, an UPDATED BALCONY SCREEN, NEWER APPLIANCES, and newer PRIMARY BEDROOM CARPET, this residence is move-in ready and beautifully presented. SELECT FURNITURE AND ACCESSORIES MAY BE AVAILABLE FOR PURCHASE UNDER A SEPARATE PERSONAL PROPERTY Contract. The PRIMARY SUITE provides a relaxing retreat, while the open living and dining areas are positioned to capture the beautiful water views. Adding exceptional convenience and value, this PENTHOUSE also includes a PRIVATE GARAGE. Located within the gated BAY CLUB AT TERRA CEIA community, residents enjoy a POOL, SPA, FITNESS ROOM, TENNIS COURTS, 500-FOOT FISHING PIER, scenic nature trails, clubhouse dining, social activities, and tiki bar. OPTIONAL GOLF MEMBERSHIP and pay-to-play golf opportunities are available. Conveniently located near downtown Palmetto and Bradenton with access to St. Petersburg, Sarasota, Tampa International Airport, waterfront dining, shopping, Gulf beaches, boating, fishing, and nearby ferry service to the islands. PENTHOUSE LIVING WITH PANORAMIC WATER VIEWS, GENEROUS SPACE, A PRIVATE GARAGE, AND EXCEPTIONAL VALUE ON FLORIDA’S GULF COAST.

Estimated monthly payment

Principal & interest$4,424

Property taxes$767

Home insurance (est.)$401

HOA dues$1,025

Down payment

20%

$175,000 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 history346 days on market

Status: Active
Oct 26, 2026
Listed$900,000
May 3, 2026
Price reduced$875,000

Facts & features

Property type: Residential
Sub type: Condominium
Status: Active
Days on market: 346
Cumulative DOM: 346
Subdivision: Bay Club Ph Ii
County: Manatee
Year built: 2007
Living area: 2,423 sq ft
Price/sq ft: $361
Building area: 2,613 sq ft (Public Records)
Lot size: 76,865 sq ft
Flood zone: AE (12081C0162F)
Garage: 1 spaces
Annual taxes: $9,209 (2025)
Parcel #: 2412722359
Zoning: PDH
MLS #: A4688369

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Interior Details

Bedrooms: 3
Full bathrooms: 2
Half bathrooms: 1
Flooring: Carpet, Ceramic Tile
Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Interior features: Built-in Features, Ceiling Fans(s), Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Stone Counters, Thermostat, Walk-In Closet(s)
Laundry: Laundry Room
Stories / Levels: One
Direction faces: Southeast

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 1
Attached garage: Yes
Parking features: Assigned, Common, Covered, Deeded, Ground Level, Guest, Open, Reserved, Basement

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, VA Loan
Ownership: Fee Simple
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, Storage, Tennis Court(s)
Construction materials: Block, Concrete
Roof: Built-Up, Concrete, Membrane
Foundation: Concrete Perimeter, Pillar/Post/Pier, Stilt/On Piling
Water access: Yes
Water view: Yes
Road surface: Asphalt, Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: BB/HS Internet Available, Cable Available, Electricity Connected, Fire Hydrant, Public, Sewer Connected, Sprinkler Recycled, Underground Utilities, Water Connected

Community

Pets allowed: Yes

Room Details

Room	Level	Dimensions
Primary Bedroom
Primary Bathroom
Kitchen
Living Room
Dining Room
Laundry
Bedroom 2
Bedroom 3
Bathroom 2
Bathroom 3

Listing Details

Listing date: 2026-05-01
On market date: 2026-05-03
Original list price: $900,000
Occupant type: Vacant
MLS area: 34221 - Palmetto/Rubonia
Listing AOR: Orlando Regional
Status changed: 2026-10-26
Tax legal description: UNIT 2902 PHASE II BAY CLUB A CONDO PI#24127.2235/9

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 2925) on the right.

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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 October 29, 2026 at 10:37 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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