
2925 TERRA CEIA BAY BOULEVARD UNIT 2905, PALMETTO, FL, 34221
Active159 days on marketListed Mar 11, 2026MLS #A4685830
About this home
2925 TERRA CEIA BAY BOULEVARD UNIT 2905
Virtually Staged. Wake up to sweeping panoramic water views of Terra Ceia Bay, the Gulf, and the iconic Sunshine Skyway Bridge from this stunning end-unit penthouse. Perched on the 9th floor, this residence offers breathtaking northwest sunset views and an exceptional waterfront lifestyle rarely matched in the area. This spacious 3-bedroom, 2.5-bath penthouse with den offers 2,302 square feet of interior living space and a total of 2,550 square feet, including a large private balcony perfectly positioned to capture the beauty of the surrounding water. Penthouse residences feature higher ceilings and taller solid-core doors, creating a sense of openness and scale throughout the home. Crown molding, custom closet systems, upgraded tile work in the bathrooms, and thoughtful upgrades throughout reflect the quality expected in a luxury penthouse residence. The open living and dining areas are filled with natural light and feature ceramic tile flooring, crown molding, and expansive sliding glass doors leading to the waterfront balcony. The kitchen offers solid wood cabinetry, high-end upgraded granite countertops, a raised breakfast bar, and pendant lighting centered within the kitchen workspace. The primary suite enjoys beautiful water views, direct balcony access, crown molding, and custom closets. The ensuite bath features dual vanities with granite countertops, an American Standard jetted tub, updated tile work, and a framed glass walk-in shower. A private guest wing with pocket door provides excellent separation for visitors and includes two additional bedrooms, an updated bathroom, and shared balcony access. The layout also allows flexibility to function as a private guest suite, with one bedroom easily serving as a sitting room or lounge space. Additional highlights include a private one-and-a-half-car garage, two American Standard HVAC systems installed in 2019, and a Rheem 50-gallon water heater installed in 2018. The laundry room includes granite workspace, a utility sink, and Electrolux washer and dryer (2022–2023). Terra Ceia Bay offers an exceptional waterfront lifestyle with a fishing pier, waterfront restaurant, golf course, pool, fitness center, tennis courts, and scenic walking paths. Ideally located just minutes from the sandy beaches of Anna Maria Island and conveniently positioned between St. Petersburg, Sarasota, and Tampa.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,302
Sqft
1.76 ac
Lot size
1
Garage
2007
Year built
One
Levels
$413
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$7,411 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,411/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palmetto actives
$413 vs $206
Days on market
159 vs 61 typical
Where $413/sqft sits among the 400 Palmetto actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palmetto
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
The numbers that matter
The Palmetto market
$359K → $359K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
225 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 141% above the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2925 TERRA CEIA BAY BOULEVARD UNIT 2905
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$514,855
7717 MARINA BAY COVE
4 bd · 3 ba · 2,463 sqft · $209/sqft · 0 DOM
Sold · Jun ’26$358,000
2628 10TH STREET W
4 bd · 2 ba · 2,130 sqft · $168/sqft · 8 DOM
Sold · Mar ’26$258,000
2700 10TH STREET W
4 bd · 2 ba · 2,094 sqft · $123/sqft · 246 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 2925 TERRA CEIA BAY BOULEVARD UNIT 2905 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2925 TERRA CEIA BAY BOULEVARD UNIT 2905 — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2925 TERRA CEIA BAY BOULEVARD UNIT 2905 FAQs
What would the monthly payment be for 2925 TERRA CEIA BAY BOULEVARD UNIT 2905?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,411/mo — principal and interest, the actual property-tax bill, the $1,025/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2925 TERRA CEIA BAY BOULEVARD UNIT 2905?+
The association fee works out to $1,025 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2925 TERRA CEIA BAY BOULEVARD UNIT 2905?+
The most recent tax bill on record (2025) was $8,928. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2925 TERRA CEIA BAY BOULEVARD UNIT 2905?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palmetto?+
At $950,000, this home is listed about 141% above the Palmetto median of $394,999. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$950,000 runs 141% above the Palmetto median — but at 2,302 sqft it's also 20% larger than the typical Palmetto listing.
02Know the monthly fee
The association fee is $1,025/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
159 days on market against a Palmetto median of 61 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Becky Mallari. MLS #A4685830.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Palmetto homes, in your inbox
Like 2925 TERRA CEIA BAY BOULEVARD UNIT 2905 but not quite? A daily digest of every new listing in Palmetto — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Chad to ping you on any price or status change →


