1704 TERRA CEIA BAY CIRCLE, PALMETTO, FL, 34221
Active1 days on marketListed Aug 17, 2026MLS #A4703218
About this home
1704 TERRA CEIA BAY CIRCLE
Welcome to the terra Ceia bay community and its tranquil setting. This 3 bedroom 2 bath villa has many upgrades and shows beautifully and is ready for Florida living at its best. Luxury vinyl plank flooring, quartz in the kitchen and bathrooms, newer appliances (stove with air fryer) upgraded bathrooms , extended walkway leading to your large back patio overlooking the estuaries of terra Ceia bay, key pad entry thru the garage, solar tube skylight , new New South windows and doors, Maytag water system, and new hot water with circulation pump, are just some of the upgrades in this beautiful 3/2 villa. The villa is just a short walk to the the saltwater estuaries of terra Ceia bay and a short walk to the mangrove lined walkways and the pier extending into Terra Ceia Bay for views of the sunshine skyway and unparalleled sunsets. As part of the Captains Court HOA you have full access to the Edgewater/Estuaries pool which is heated to 86 degrees year round. Other amenities (for a fee) in the community include tennis pickle ball an 18 hole golf course, fitness center, tiki bar, bingo, trivia, bar poker, and other activities in the clubhouse which offers a full service restaurant. Don’t miss this outstanding opportunity.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,638
Sqft
2
Garage
2001
Year built
One
Levels
$208
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 — not generic estimates.
$2,767 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,767/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+6.9%
$/sqft vs Palmetto actives
$208 vs $208
Days on market
1 vs 62 typical
Where $208/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 → $376K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
232 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 14% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1704 TERRA CEIA BAY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$315,000
2907 CAPTAINS COURT · same community
3 bd · 2 ba · 1,659 sqft · $190/sqft · 26 DOM
Sold · Mar ’26$319,000
2904 CAPTAINS COURT UNIT 2904 · same community
3 bd · 2 ba · 1,488 sqft · $214/sqft · 100 DOM
Sold · Jul ’26$305,000
2906 CAPTAINS COURT · same community
3 bd · 2 ba · 1,488 sqft · $205/sqft · 253 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
Kaylie Mickle
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1704 TERRA CEIA BAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1704 TERRA CEIA BAY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kaylie's phone and CRM.
Straight answers
1704 TERRA CEIA BAY CIRCLE FAQs
What would the monthly payment be for 1704 TERRA CEIA BAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,767/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1704 TERRA CEIA BAY CIRCLE?+
The most recent tax bill on record (2025) was $5,470. 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 1704 TERRA CEIA BAY CIRCLE?+
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 $339,900, this home is listed about 14% below the Palmetto median of $395,159. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Palmetto market on paper
$339,900 is 14% below the Palmetto median of $395,159, and at $208/sqft it sits under the Palmetto average of $236.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a Palmetto market that averages 62 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of TIM LESTER INTERNAT'L REALTY · Tim Lester. MLS #A4703218.
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.
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