285 HORSESHOE LOOP ROAD, TERRA CEIA, FL, 34250
Active466 days on marketListed Apr 14, 2025MLS #A4648773
About this home
285 HORSESHOE LOOP ROAD
Experience breathtaking views of Terra Ceia Bay from your very own 1.23-acre homesite—a rare opportunity to build your dream home on beautiful, historic Terra Ceia Island. This expansive property spans both sides of the road, offering endless possibilities: build your home directly on the water and create a charming citrus grove or garden across the street. With included home plans, bringing your vision to life has never been easier. As a resident, you’ll have the option to join the Village Improvement Association, providing exclusive access to a private community park featuring a boat ramp, kayak launch, pickleball courts, fire pit, BBQ pavilion, and event space—ideal for gatherings or quiet relaxation. Whether you’re designing a full-time residence or a tranquil retreat, this property blends serene island living with convenient amenities. Don’t miss this chance to own a truly special piece of paradise on Terra Ceia Island.
Facts & features
The home at a glance
1.24 ac
Lot size
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.
$4,112 /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
$4,112/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.
Where it sits
Inside Terra Ceia
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Terra Ceia. See the full Terra Ceia guide →
TERRA CEIA 34250 — neighborhood snapshot
Population
416
Median age
57.8
Median income
$153,566
Median home value
$921,100
Avg household
2.19
Households w/ children
28%
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Terra Ceia market
$470K → $1.3M
Terra Ceia median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Terra Ceia, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the TERRA CEIA 34250 median. See the full Terra Ceia market guide →
Paper trail
This home's history
Reality check
What actually sold near 285 HORSESHOE LOOP ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$366,000
1703 CENTER ROAD
2 bd · 3 ba · 1,374 sqft · $266/sqft · 5 DOM
Sold · Mar ’26$605,000
898 BAYSHORE DRIVE
3 bd · 2 ba · 1,428 sqft · $424/sqft · 4 DOM
Sold · Mar ’26$265,000
25 MICHIANA DRIVE
3 bd · 2 ba · 1,456 sqft · $182/sqft · 138 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 285 HORSESHOE LOOP ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 285 HORSESHOE LOOP ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
285 HORSESHOE LOOP ROAD FAQs
What would the monthly payment be for 285 HORSESHOE LOOP ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,112/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 285 HORSESHOE LOOP ROAD?+
The most recent tax bill on record (2024) was $5,939. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Terra Ceia?+
At $599,000, this home is listed about 53% below the Terra Ceia median of $1,274,000. The market section on this page shows how the area is trending.
Which schools are assigned to 285 HORSESHOE LOOP ROAD?+
Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the TERRA CEIA 34250 market on paper
$599,000 is 26% below the TERRA CEIA 34250 median of $809,500.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
466 days on market against a Terra Ceia median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,100,000, now $599,000 — a $501K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LESLIE WELLS REALTY, INC. · Carly Heiser, PLLC. MLS #A4648773.
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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