323 Terra Ceia Drive, Palmetto, FL 34221
Local realty services provided by:ERA Grizzard Real Estate
Listed by: jennifer kenna, bethany midkiff
Office: exp realty, llc.
MLS#:A4704284
Source:MFRMLS
Price summary
- Price:$320,000
- Price per sq. ft.:$207.79
- Monthly HOA dues:$338
About this home
**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....
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Home facts
- Year built:1980
- Subdivision & Development:TROPIC ISLES CO-OP
- Listing ID #:A4704284
- Added:9 day(s) ago
- Updated:September 06, 2026 at 09:03 PM
Rooms and interior
- Bedrooms:2
- Total bathrooms:2
- Full bathrooms:2
- Flooring:Carpet
- Kitchen Description:Dishwasher, Microwave, Range, Refrigerator
- Bedroom Description:Walk-In Closet(s)
- Living area:1,012 sq. ft.
Heating and cooling
- Cooling:Central Air
- Heating:Central
- Central air:Yes
Structure and exterior
- Roof:Shingle
- Year built:1980
- Building area:1,012 sq. ft.
- Lot area:0.08 Acres
- Construction Materials:Frame
- Levels:1 Story
Schools
- High school:Palmetto High
- Middle school:Lincoln Middle
- Elementary school:Palmetto Elementary-MN
Utilities
- Water:Public
- Sewer:Public, Public Sewer
Finances and disclosures
- Price:$320,000
- Price per sq. ft.:$207.79
- Tax amount:$3,606 (2025)
Features and amenities
- Appliances:Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- Laundry features:Dryer, Laundry Room, Washer
- Amenities:Clubhouse, Maintenance, Walk-In Closet(s)
- Pool features:Public Pool
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