323 Terra Ceia Drive, Palmetto, FL 34221

$320,000
2
BD
2
BA
1,012
SqFt

Show Photos

Verify your account to unlock exclusive photos, mortgage tools, and more.

List Price
$320,000
Status
Active
Days on Market
7
MLS#
A4704284
Property Style
Manufactured Home
Year Built
1980
Bedrooms
2
Bathrooms
2
Living Area
1,012
Lot Size
3,463
Acres
0.08
Total Acreage
0 to less than 1/4
Legal Subdivision Name
Tropic Isles Co-Op
Community Name
Tropic Isles
MLS Area Major
Palmetto/Rubonia

Property Description

**WATERFRONT TROPIC ISLES HOME WITH BOAT LIFT & GULF ACCESS!** Welcome to this move-in-ready 2-bedroom, 2-bath canal-front home in the sought-after, resident-owned 55+ community of Tropic Isles on Terra Ceia Bay. Ideally positioned on the waterfront, the property features a private dock and boat lift with direct access to the Gulf, offering an exceptional opportunity to enjoy boating, fishing, and spectacular Florida sunsets right from home. Inside, the home is bright and inviting, with abundant natural light and comfortable living spaces designed for easy Florida living. Offered fully furnished, it is ready for immediate occupancy as a full-time residence, seasonal retreat, or waterfront getaway. A brand-new furnace was installed in November 2025, and the property also includes a **fully transferable lifetime termite protection warranty** for added peace of mind. The seller is also willing to include the boat currently on the lift as part of a package, creating an exceptional opportunity for buyers looking for a turnkey waterfront lifestyle. Enjoy all that Tropic Isles has to offer with a low monthly maintenance fee of just $338. Community amenities include a clubhouse, heated pool and spa, shuffleboard courts, marina access, fitness center, library, game room, meeting halls, and kayak launch. The welcoming community atmosphere combines an active lifestyle with the tranquility of waterfront living. Conveniently located near Gulf beaches, waterfront dining, Sarasota, Tampa, and Ellenton Premium Outlets, this property puts recreation, shopping, dining, and entertainment within easy reach. Whether you're looking for a year-round home or a seasonal escape, this Tropic Isles waterfront property offers the combination of **boat access, community amenities, affordability, and Florida coastal living** that's hard to find.

Additional Information

Taxes
$3605
Minimum Lease
1 Month
Hoa Fee
$338
HOA Payment Schedule
Monthly
Maintenance Includes
Pool, Management, Recreational Facilities, Sewer, Trash, Water
Community Features
Association Recreation - Owned, Buyer Approval Required, Clubhouse, Community Mailbox, Fitness Center, Golf Carts OK, Pool, No Deed Restriction, Maintenance Free
Property Description
One Story
Zoning
MHP1
Interior Layout
Other, Walk-In Closet(s)
Interior Features
Other, Walk-In Closet(s)
Floor
Carpet
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Utilities
Public
Heating
Central
Air Conditioning
Central Air
Exterior Construction
Frame
Exterior Features
Other
Roof
Shingle
Foundation
Other
Pool
Community
Elementary School
Palmetto Elementary-Mn
Middle School
Lincoln Middle
High School
Palmetto High
Housing for Older Persons
Yes
Water Extras
Boat Port, Lift
Water View
Bay/Harbor - Full, Canal
Water Frontage
Bay/Harbor, Canal - Freshwater
Pets
Allowed
Flood Zone Code
AE*
Parcel ID
2925521209
Legal Description
UNIT 323 TROPIC ISLES CO-OP INC PI#29255.2120/9

Listing courtesy of EXP REALTY, LLC. 941-462-3321

Mortgage Calculator

Amount of Loan
Annual Interest Rate
%
Term of Loan
Years

Does not include any taxes or fees.
Please consult a financial professional.
Calculator source: Real Geeks

StellarMLS is the source of this information via Internet Data Exchange Program. All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale. Availability of any listing should always be independently verified. Listing information is provided for consumer personal, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited and may violate relevant federal and state law. Data last updated on