Steeve Cadeau
$1,274,000$1,399,0003 bd2 ba2,113 sqft$603 /sqft$8,099 /mo all-in ↓

910 BAYSHORE DRIVE, TERRA CEIA, FL, 34250

Active179 days on marketListed Jan 26, 2026MLS #A4674151

Reduced $125KWaterfrontPrivate poolSingle Family ResidenceTERRA CEIA ISLAND

About this home

910 BAYSHORE DRIVE

One or more photo(s) has been virtually staged. Welcome to Terra Ceia Island, one of Manatee County's best-kept secrets, where the timeless charm of "Old Florida" meets modern waterfront living. Surrounded by the 24,000-acre Terra Ceia Aquatic Preserve and nearby conservation lands, this peaceful island community offers a rare lifestyle defined by protected waters, abundant wildlife, and natural beauty that remains largely untouched by overdevelopment. Whether your weekends are spent boating, fishing, kayaking, paddleboarding, biking, photographing nature, or simply relaxing in the Florida sunshine, this newly renovated 3-bedroom, 2-bath home is designed to embrace it all. Thoughtfully reimagined with additional living space, the bright and open floor plan is anchored by a brand-new kitchen featuring custom cabinetry, a waterfall island, coffee bar, farmhouse sink, new fixtures, hardware, disposal, and the unique opportunity to select the appliances that best fit your style. A newly added Florida room, filled with natural light through brand-new hurricane-impact windows and a large sliding glass door, creates the perfect space for morning coffee, evening cocktails, or unwinding after a day on the water. Major improvements have already been completed, including a durable metal roof, new hurricane-rated front entry system, insulated hurricane-resistant garage door with windows, new interior doors and hardware, updated bathroom vanities, fixtures and mirrors, recessed lighting throughout, fresh high-grade exterior paint, new exterior lighting, updated house numbers, and refreshed shell landscaping for exceptional curb appeal. Outside, your private coastal retreat awaits with a brand-new heated saltwater pool and spa featuring underwater lighting, a new travertine pool deck with room for future expansion, and a newly constructed dock designed for entertaining or future boat lift installation, along with a dedicated kayak, paddleboard, and jet ski launch that makes enjoying the waterfront effortless. What truly sets this property apart is the opportunity it offers! The significant renovations and major investments have already been completed, allowing the next owner to personalize the finishing touches, whether by selecting interior paint colors, expanding the outdoor entertaining space, enhancing the landscaping, or creating their own vision of coastal living. Conveniently located just 15 minutes from Downtown Bradenton, 20-25 minutes from Downtown St. Petersburg, approximately 30 minutes to the UTC shopping and dining district, and 35-45 minutes from the white-sand beaches of Anna Maria Island, this is a rare opportunity to own a beautifully renovated waterfront home in one of Florida's most naturally preserved island communities.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,113

Sqft

0.35 ac

Lot size

2

Garage

1974

Year built

One

Levels

$603

Per sqft

Private poolWaterfrontTrees/Woods & Water viewPets allowed

Inside

FlooringPorcelain Tile
AppliancesDisposal · Electric Water Heater
InteriorBuilt-in Features · Ceiling Fan(s) · Dry Bar · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Stone Counters · Thermostat
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionConcrete · Stucco
FoundationSlab
ViewTrees/Woods · Water
FacesSouth
ParkingBoat · Driveway · Golf Cart Parking · Ground Level · Guest · Off Street
ExteriorIrrigation System · Lighting · Private Mailbox · Private Yard · Rain Gutters · Sliding Doors

Community & fees

Taxes (2024)$7,045/yr
PetsYes
CommunityGolf Carts OK · Horses Allowed · Park

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Public · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,099 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,874
PMI (est., until 20% equity)$478
Property tax — 2024 actual bill$587
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $127,400Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $127,400
Interest rate6.00%
Loan term

Estimated payment

$8,099/mo

Principal & interest$6,874
PMI (est., until 20% equity)$478
Property taxes (actual bill)$587
Est. insurance$160

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.

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.

List $1.3M
$588KedgeAI estimate $698,639 · range $613K$733K$1.3M

vs edgeAI estimate

+82.4%

$/sqft vs Terra Ceia actives

$603 vs $493

Days on market

179 vs 58 typical

Where $603/sqft sits among the 9 Terra Ceia actives

3
2
2 · this home
0
1
1
$348–449$449–550$550–651$651–752$752–853$853+

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 Terra Ceia

Map of 910 BAYSHORE DRIVE

Drive times from this address

Downtown Tampa49 min
Tampa Int’l Airport (TPA)49 min

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

HighPalmetto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Terra Ceia market

Seller’s marketLeans buyer10.0 months of inventoryBuyer’s market

$470K$1.3M

Terra Ceia median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

6 of 9

Terra Ceia actives have cut their price

Median sold price, Terra Ceia, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 57% above the TERRA CEIA 34250 median. See the full Terra Ceia market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,274,000 $125K
Jan 26, 2026Listed at $1,399,000 · 179 days on market since
1974Built · TERRA CEIA ISLAND

Reality check

What actually sold near 910 BAYSHORE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

25 MICHIANA DRIVESold · Mar ’26

$265,000

25 MICHIANA DRIVE · same community

3 bd · 2 ba · 1,456 sqft · $182/sqft · 138 DOM

455 HORSESHOE LOOP ROADSold · May ’26

$1,180,000

455 HORSESHOE LOOP ROAD · same community

4 bd · 3.5 ba · 3,298 sqft · $358/sqft · 11 DOM

4904 COMMONWEALTH RD.Sold · Feb ’26

$800,000

4904 COMMONWEALTH RD.

3 bd · 2 ba · 2,324 sqft · $344/sqft · 125 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 910 BAYSHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 910 BAYSHORE DRIVE — 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.

Goes straight to Steeve’s phone and CRM.

Straight answers

910 BAYSHORE DRIVE FAQs

What would the monthly payment be for 910 BAYSHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,099/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 910 BAYSHORE DRIVE?+

The most recent tax bill on record (2024) was $7,045. 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 910 BAYSHORE DRIVE?+

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 Terra Ceia?+

At $1,274,000, this home is priced right at the Terra Ceia median.

Which schools are assigned to 910 BAYSHORE DRIVE?+

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

01Positioned at the premium end

$1,274,000 runs 57% above the TERRA CEIA 34250 median.

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

179 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 $1,399,000, now $1,274,000 — a $125K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER REALTY · Janette Schafer. MLS #A4674151.

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.

Never miss a listing

New Terra Ceia homes, in your inbox

Like 910 BAYSHORE DRIVE but not quite? A daily digest of every new listing in Terra Ceia — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Steeve to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 24, 2026 at 10:57 PM UTC. The listing information on this page last changed on July 24, 2026 at 10:57 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 24, 2026 at 10:57 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 24, 2026 at 10:57 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.