323 TERRA CEIA DRIVE Palmetto, FL $ 395,000
323 TERRA CEIA DRIVE
$ 395,000
Recently Listed Adult Community
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323 TERRA CEIA DRIVE

Palmetto, FL, 34221
$ 395,000
Bedrooms2 Baths2.0 Sq 1,012

Monthly Estimate*

$ 2,432

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Mobile Home for sale in Palmetto, FL

for $395,000 with 2 bedrooms and 2 full baths. This 1,012 square foot home was built in 1980 on a lot size of 0.08.

WATERFRONT TROPIC ISLES HOME — BOAT LIFT INCLUDED! Discover this move-in-ready 2-bedroom, 2-bath canal-front home in the sought-after 55+ resident-owned Tropic Isles community on Terra Ceia Bay. This property offers a 1% lender credit. The seller is also willing to sell the boat, which is already on the boat lift, as part of a package. Relax on your private dock and enjoy direct Gulf access — a feature few homes at this price point provide — while taking in serene water views and Florida sunsets. The interior is bright and inviting, with natural light highlighting the spacious living areas. The home is being offered fully furnished, and a brand new furnace was installed in November 2025. A low monthly maintenance fee of $338 makes it perfect for either full-time living or a seasonal getaway. Tropic Isles residents enjoy a welcoming community lifestyle with a clubhouse, heated pool and spa, shuffleboard courts, and access to a marina. Conveniently located near Gulf beaches, Sarasota, Tampa, waterfront dining, and Ellenton Premium Outlets, this home offers both leisure and accessibility. Additional community amenities include meeting halls, a fitness center, library, game room, and a kayak launch, providing a range of recreational options while maintaining a tranquil waterfront setting.

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Mobile Home Active

Price

$ 395,000

Bedrooms

2

Full Bath

2

Property Type

Mobile Home

Taxes

$ 3,605

Style

Manufactured Home

Lot Size

0.08

Year Built

1980

Town/City

Palmetto

County/Region

Manatee

MLS | Web ID

A4684681

Features
General
Sewer Public Sewer
Heating Central
Cooling Central Air
Utilities Public
Roof Shingle
Appliances Dishwasher Dryer Microwave Range Refrigerator Washer
Zoning MHP1
HOA Fee 338
Association Fee Includes Community Pool Manager Pool Maintenance Recreational Facilities Sewer Trash Water
Construction Materials Wood Frame
Pets Allowed Yes
Year Built 1980
Levels One
Property Subtype Manufactured Home
Tax Year 2025
Ownership Fee Simple
Waterfront Features Bay/Harbor Front Waterfront Bay/Harbor Canal Front
Community Features Bay/Harbor Front Community Boat Ramp Marina Water Access Waterfront Association Recreation - Owned Buyer Approval Required Clubhouse Community Mailbox Fitness Center Golf Carts OK Pool
Assoc Fee Paid Per Monthly
County Manatee
New Construction false
Property Type Residential
Association Amenities Clubhouse Maintenance
Subdivision Name TROPIC ISLES CO-OP
Facing Direction Northwest
Garage Y/N false
Total Rooms 5
Full Baths 2
Status Active
Directions From 28th Ave W turn onto Tampico Dr Montego Dr or Basin St to access Terrace Ceia Dr. Continue driving south on Terrace Ceia Dr until you reach the property.
High School Palmetto High
City PALMETTO
Association Name Tropic Isle Coop - BARBARA MCEVOY
Senior Community Y/N true
MLS Area 34221 - Palmetto/Rubonia
Lot Size Units Square Feet
Lot Size Square Feet 3463
Carport Spaces 2
Carport Y/N true
Listing Terms Cash Conventional FHA VA Loan
Elementary School Palmetto Elementary-MN
Land Lease Y/N false
Tax Annual Amount 3605
Body Type Double Wide
Middle/Junior High School Lincoln Middle
Additional Parcels Y/N false
Lease Considered Y/N true
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Owner
Tax Lot 0
Legal Description UNIT 323 TROPIC ISLES CO-OP INC PI#29255.2120/9
Water View Bay/Harbor - Full Canal
Water Access Type Bay/Harbor Canal - Freshwater
Minimum Lease 1 Month
Water Access Y/N true
Monthly HOA Amount 338
Water View Y/N true
Flood Zone Code AE
DockY/N true
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Interior
Interior Amenities Other Walk-In Closet(s)
Flooring Carpet
Furnished Y/N Furnished
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Half Baths 0
Laundry Features Laundry Room
Total Bedrooms 2
Total Baths 2
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Exterior
Exterior Amenities Other
Water Source Public
Lot Size Area 3463
Foundation Details Other
Building Area Total 1540
Lot Size Acres 0.08
Road Surface Type Concrete
Frontage Length Canal: 20
Private Pool false
Waterfront Y/N true
Covered Spaces 2
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* Excluded Features
List By
Exp Realty, Llc

Broker

OFFERS@KENNAHOMETEAM.COM

Email

Affordability Calculator

$2,732
Per Month
89%
11%
0%
Monthly Principal & Interest
$2,432
Monthly Property Taxes
$300
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
0 Elementary School
0 Middle School
Palmetto High High School High School
Pricing History
DatePricePrice ChangeDescription
3/3/2026$395,000 Listed Price

Map


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323 TERRA CEIA DRIVE, Palmetto, FL, 34221 is a Mobile Home for sale at $395,000 with 1,012 sqft and a lot size of 0.08. 323 TERRA CEIA DRIVE has 2 bedrooms, 2.0 baths, and was built in 1980. The property's zip code is 34221 which is in Palmetto, FL