282 TERRA CEIA ROAD, PALMETTO, FL, 34221
Active49 days on marketListed Jun 5, 2026MLS #A4696151
About this home
282 TERRA CEIA ROAD
Terra Ceia Island is located just south of St. Petersburg. This vacant 1.25 versatile piece of land has been cleared and is now ready for you to transform it into your dream space. New construction would allow water views from your front porch. Zoned agriculture. Easy access to the interstate, you can easily commute north St. Petersburg, Tampa or South to Sarasota. No Restrictions: This land has no deed restrictions! You have the freedom to do as you please with this space - whether it's building your dream home, starting a business, or simply using it as a place to relax and unwind. You have the option to join Terra Ceia Community Village Civic Association membership giving residents access to a private hall for social events, as well as a park with a pavilion, playground, and basketball and pickleball court. The park also has a boat ramp for easy access to the Gulf and a dock. Residence can take advantage of the calm waters on Terra Ceia Bay, perfect for kayaking, paddle boarding and boating. Visit - terraceiavia
Facts & features
The home at a glance
1.25 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.
$1,641 /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
$1,641/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.
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 →
PALMETTO 34221 — neighborhood snapshot
Population
54,923
Median age
46.6
Median income
$74,314
Median home value
$298,200
Avg household
2.63
Households w/ children
4,466
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 282 TERRA CEIA ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$55,000
420 49TH STREET E UNIT 63
2 bd · 1 ba · 672 sqft · $82/sqft · 1 DOM
Sold · Mar ’26$81,000
5619 BAYSHORE ROAD UNIT 111
2 bd · 2 ba · 800 sqft · $101/sqft · 35 DOM
Sold · May ’26$61,000
5619 BAYSHORE RD UNIT 126
2 bd · 2 ba · 840 sqft · $73/sqft · 20 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 282 TERRA CEIA ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 282 TERRA CEIA 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
282 TERRA CEIA ROAD FAQs
What would the monthly payment be for 282 TERRA CEIA ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,641/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 282 TERRA CEIA ROAD?+
The most recent tax bill on record (2024) was $385. 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 282 TERRA CEIA ROAD?+
The listing reports pets: Cats OK, Dogs OK, 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 $229,000, this home is listed about 43% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 282 TERRA CEIA ROAD?+
James Tillman Elementary Magnet School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of INTEGRA REALTY GROUP INC · Lisa Zimring. MLS #A4696151.
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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