$328,000
3009 Live Oak Lane
Palmetto, FL 34221
Listing updated: August 11, 2026 at 10:25 AM ET
Listing courtesy of Lpt Realty, Llc · Lori Skaggs · MLS #A4702246 · Active · 877-366-2213Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to the Palms of Terra Ceia, where this beautifully renovated villa offers comfortable Florida living along with the LOWEST HOA FEES in the community. Inside, you'll find porcelain tile flooring throughout, a redesigned kitchen with solid wood cabinetry, quartz countertops, updated appliances and lighting. Both bathrooms have been modernized, showcasing a spacious walk-in shower in the primary bath with new vanities and fixtures. Additional improvements include a NEW HVAC system in 2024 with smart thermostat, newer water heater, and updated garage door opener and control panel. Unwind in the spacious Florida Room which is also air conditioned for your comfort. The community experienced NO FLOODING during the 2024 hurricane season! Enjoy a relaxed lifestyle with access to golf, tennis, pickleball, clubhouse amenities and social activities. All this plus a convenient location near Terra Ceia Bay, boating, Gulf beaches, restaurants, shopping, parks and area sports venues. Whether you're looking for a full-time home or a Florida getaway, this is a wonderful opportunity to enjoy all that the Terra Ceia area has to offer. Furniture is available separately if desired. This home is FRESH and won't last!! Bring the GOLF CART!
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 history4 days on market
- Status: ActiveAug 7, 2026
- Listed$328,000Aug 7, 2026
- Price increased$328,000
Facts & features
- Property type
- Residential
- Sub type
- Villa
- Status
- Active
- Days on market
- 4
- Subdivision
- Bay Estates North
- County
- Manatee
- Year built
- 1997
- Living area
- 1,488 sq ft
- Price/sq ft
- $220
- Building area
- 2,075 sq ft (Public Records)
- Lot size
- 267,143 sq ft
- Lot category
- 5 to less than 10
- Flood zone
- AE,X
- Garage
- 2 spaces
- Annual taxes
- $5,414 (2025)
- Parcel #
- 2412715654
- Zoning
- PDH
- MLS #
- A4702246
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Tile
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Cathedral Ceiling(s), Ceiling Fans(s), Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $0 / Quarterly
- Monthly HOA
- $0/mo
- Total monthly fees
- $457/mo
- Total annual fees
- $5,480
- HOA name
- Stacia Searcy or Michelle Ash
- CDD
- Yes
- Homestead exemption
- Yes
- Min lease term
- 2 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer to confirm lease restrictions with the association
- Approval process
- Buyer to confirm approval process with the association
Exterior & Construction
- Exterior features
- Private Mailbox, Rain Gutters
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Phone Available, Public, Sprinkler Recycled, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK, Number Limit, Size Limit, 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 |
|---|---|---|
| Great Room | First | 24x11 |
| Kitchen | First | 10x15 |
| Primary Bedroom | First | 12.7x13.6 |
| Bedroom 2 | First | 12x10 |
| Bedroom 3 | First | 9.7x11.8 |
| Florida Room | First | 17.9x8.2 |
Listing Details
- Listing date
- 2026-08-06
- On market date
- 2026-08-07
- Original list price
- $328,000
- Occupant type
- Owner
- MLS area
- 34221 - Palmetto/Rubonia
- Listing AOR
- Orlando Regional
- Status changed
- 2026-08-07
- Tax legal description
- UNIT 33 BAY ESTATES NORTH CONDO PI#24127.1565/4
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 Bus 41 in Palmetto, turn west on 23rd St toward the Palms of Terra Ceia Bay community; continue west through gate on Terra Ceia Bay Blvd; turn right onto Terra Ceia Bay Circle; turn left onto Live Oak Lane; unit will be on your 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 August 11, 2026 at 10:25 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.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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