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Marsha Eve Winegarden
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$320,000

323 Terra Ceia Drive Palmetto, FL 34221 Residential - Mobile Home Active

  • 323 Terra Ceia Drive, Palmetto, FL 34221 Main Photo

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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.

Property Highlights

Property Type: Residential - Mobile Home
Cooling: Central Air
Heating: Central
Lot Size: 0.08 Acres
Roof Type: Shingle
Stories: 1.0
Taxes: $3,605
Year Built: 1980

General Information

Bedrooms: 2
Bathrooms: 2 Full
Sqft: 1,012
County: Manatee
High School: Palmetto High
Subdivision: TROPIC ISLES CO-OP
Listed By:
Jennifer Kenna EXP REALTY, LLC 941-462-3321

Amenities

Other
Walk-In Closet(s)
Other

Room Information

Kitchen: 14.5x11.3
Dining Room: 12.4x11.3
Living Room: 24x11
Primary Bedroom: 14.1x11
Bedroom 2: 9x11.1

Property Features

Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Association Amenities: Clubhouse, Maintenance
Community Features: Association Recreation - Owned, Buyer Approval Required, Clubhouse, Community Mailbox, Fitness Center, Golf Carts OK, Pool
Days on Site: 3
Directions: From 28th Ave W, turn onto Tampico Drive, Montego Drive, or Basin Street to access Terra Ceia Drive. Continue driving south on Terra Ceia Drive until you reach the property.
Exterior: Frame
Flood Zone Code: AE*
Flooring: Carpet
Foundation: Other
Frontage Bay Harbor: 20
Frontage Canal Fresh: 20
HOA Fee: 338/ Monthly
HOA Y/N: Yes
Home Warranty Y/N: No
Listing Terms: Cash, Conventional, FHA, VA Loan
Lot Dimensions: 0.08
Ownership: Fee Simple
Pets Allowed: Yes
Property Attached Y/N: No
Property Sub-Type: Manufactured Home
Senior Community: Yes
Sewer: Public Sewer
Showing Instructions: ShowingTime
Special Sale Provisions: None
Utilities: Public
Water: Public
Water Access Y/N: No
Waterfront Features: Bay/Harbor, Canal - Freshwater, Boat Port, Lift
Water View: Bay/Harbor - Full, Canal
Zoning: MHP1
$320,000
2beds
2.0baths
1,012sqft
New to the Market Active
BEDS2 BATHS2 full SQUARE FEET1,012 MLS#A4704284
STATUSActive PROPERTY TYPEResidential - Mobile Home SUBDIVISIONTROPIC ISLES CO-OP

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323 Terra Ceia Drive, Palmetto, FL 34221.

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Estimated Payment

$ 1,473.06 per month $1,079.31 Principal & Interest $300.42 Property Tax $93.33 Homeowner's Insurance

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About this area

Florida/Palmetto
Palmetto

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About Palmetto

Palmetto is a growing suburban area located between the Manatee River and Terra Ceia Bay. The city is perfect for people looking for an active lifestyle that involves nature and community activities. Palmetto’s location keeps residents close to major employers, but also allows for a smaller town lifestyle that embraces a slower pace. Weekends are perfect for boating and golfing, or attending one of the many events and festivals that take place in Palmetto year round. The area is great for people of all ages with homes ranging from affordable condos and single family options to waterfront estates.


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About this community

Disclaimer: 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 08/31/2026. The listing information on this page last changed on 08/31/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Mon 08/31/2026 12:48:11 AM EST) or Stellar MLS (last updated Mon 08/31/2026 12:39:55 AM EST). Real estate listings held by brokerage firms other than Wagner Realty may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

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