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323 TERRA CEIA DRIVE

Palmetto, FL, 34221

Active

$345,000

2

Bedrooms

2

Bathrooms

1,012 sqft

Living Area

1980

Year Built

3,463

Lot Size (sqft)

$338

HOA / Monthly

140

Days on Market

Dock Score™

DockOnly
72
Good

What shaped this score

Gulf Access
Dock with boat lift
Bridge-free to bay & ocean
Premium waterfront location
Est. waterfront~49 ft

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Bay/Harbor FrontWaterfrontBay/HarborCanal Front

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall DetectedDeep Water Indicators

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Open WaterDockOnly

This dock fronts open water — a bay, harbor or marina basin rather than a canal.

There is no across-the-canal bank here, so no canal width applies and boat length is not limited by room to turn around. Check depth, beam and slip dimensions with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

WATERFRONT TROPIC ISLES HOME — BOAT LIFT INCLUDED! Discover this move-in-ready 2-bedroom, 2-bath canal-front home in the sought-after 55+ resident-owned Tropic Isles community on Terra Ceia Bay. The seller is also willing to sell the boat, which is already on the boat lift, as part of a package. Relax on your private dock and enjoy direct Gulf access — a feature few homes at this price point provide — while taking in serene water views and Florida sunsets. The interior is bright and inviting, with natural light highlighting the spacious living areas. The home is being offered fully furnished, and a brand new furnace was installed in November 2025. A low monthly maintenance fee of $338 makes it perfect for either full-time living or a seasonal getaway. Tropic Isles residents enjoy a welcoming community lifestyle with a clubhouse, heated pool and spa, shuffleboard courts, and access to a marina. Conveniently located near Gulf beaches, Sarasota, Tampa, waterfront dining, and Ellenton Premium Outlets, this home offers both leisure and accessibility. Additional community amenities include meeting halls, a fitness center, library, game room, and a kayak launch, providing a range of recreational options while maintaining a tranquil waterfront setting. This property includes a lifetime termite protection warranty, which is fully transferable to the new owner.

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Location

Palmetto, FL, 34221

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of EXP REALTY, LLC via Stellar MLS

Last checked: July 21, 2026

Listing updated: July 21, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

FEMA Flood Zone AE
BFE: 9ft

Special Flood Hazard Area

View FEMA Flood Map →
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Estimate your monthly payment for this waterfront property

20%

$69,000 down

%
Principal & Interest$1,790/mo
Property Tax (est. ~1.2%, varies by county)$345/mo
Home Insurance (est.)$250/mo
HOA Fees$338/mo
Total Monthly Payment$2,723
Loan Amount: $276,000Rate: 6.75%
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$345,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.