Single Family Residence in TERRA CEIA ESTATES · No CDD
TERRA CEIA ESTATES · Terra Ceia, FL 34250 · Manatee
Listing data updated September 19, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,669Sq Ft
1959Year Built
$395Per Sq Ft
WaterfrontNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
Highlights
As of September 19, 2026, 1831 Bayshore Drive in Terra Ceia Estates, Terra Ceia is listed at $659,000 (1,669 sq ft, about $395 per sq ft). That is 49% below Terra Ceia Estates's median closed sale of $1,282,500 over the last 12 months (20 recorded sales). Per square foot it is below the community's recent $806/sq ft by about 51%. It came to market within the past week. Listing facts: built in 1959, waterfront, HOA dues of $21/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1959 · 67 yrs
1,669 sq ft of living area
Active listing
HOA $21/mo (per listing)
Momentum Research · ILEXHURST
Pricing & the ILEXHURST market
How this home is priced against recent nearby sales, and where ILEXHURST has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in ILEXHURST
Each dot is a closed sale since 2004 (184 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $395/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 32 (cold).
Property timeline
This home’s history
1959BuiltPer public record
Sep 19, 2026First trackedObserved at $659,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$4,445/mo
Principal & interest $3,490/mo79%
Taxes $577/mo13%
Insurance $358/mo8%
HOA $21/mo0%
$4,445/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Estimated from today’s asking price and current Manatee County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,225/yr ($269/mo)
+$7,300 more each year
(+226%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$309,091
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
83/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
83/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area100
This home $395/sq ft vs the community 12-month median $806/sq ft.
Affordability100
List price $659,000 vs the community median $1,282,500. Not a measure of personal affordability.
Market liquidity40
Community median 74 days on market (12-month record).
Renovation upside90
From a 1959 build and $395/sq ft vs the community median $806/sq ft. Not a condition assessment.
Pricing power100
Recent sales closed at about 86.7% of original asking (~13.3% below). More room below asking generally favors buyers.
Market timing68
Momentum Market Heat is 32/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $395 per square foot, about 51% below the community’s $806 median. ILEXHURST’s 12-month median sold price per square foot is $806. Median sold price per square foot is down 0.4% year over year. Confidence: High · 20 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent ILEXHURST sales closed near 86.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3083 active listings in ILEXHURST, no CDD assessment.
Updated September 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Discover the rhythm of "Old Florida" on Terra Ceia Island, a hidden coastal sanctuary where life moves at the pace of the tides. This isn't just a place to live; it’s a vibrant community where golf cart parades and the annual Mullet Festival are part of the local fabric. Surrounded by the protected waters of Miguel Bay and the Terra Ceia Bay aquatic preserves, your daily backdrop includes sightings of manatees, dolphins, and the vibrant pink plumage of roseate spoonbills on a 30 foot dock.
Tucked into this serene landscape is a tastefully updated three-bedroom, two-bathroom retreat that perfectly captures the island’s sophisticated yet laid-back spirit. The heart of the home is an open floor plan anchored by a recently remodeled kitchen, designed for both effortless entertaining and quiet mornings. The living space extends into a stunning Florida Room, where exposed ceiling beams and shiplap accents create an atmosphere of rustic coastal elegance.
Energy-efficient vinyl high-impact insulated windows offer peace of mind throughout. Outside, the property is a true boater’s paradise and a private tropical oasis on an 80 ft wide canal. A dock constructed in 2023, equipped with a 6,000lb boat lift, offers direct access to the calm waters of the bay—perfect for kayaking, paddleboarding, or heading out to the Gulf.
The expansive yard is fully fenced and serves as a lush sanctuary featuring a variety of tropical fruit trees, including lychee, papaya, mango, and pomegranate. Practicality meets the island lifestyle with two storage sheds and ample trailer parking for all your coastal toys. With the Sunshine Skyway Bridge just moments away, you have a seamless commute to the metropolitan dining, shopping, and culture of St.
Pete, Tampa, and Sarasota. This is a rare opportunity to own a piece of island history, modernized for today’s lifestyle.
Description provided by COMPASS FLORIDA LLC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$659,000
Bed / bath3 / 2
Living area1,669 sq ft
Year built1959
Property typeSingle Family Residence
MLS #A4706582
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyManatee
Area listings3083 active · 979 under contract
Estimated first-year tax~$6,920/yr
CDD assessmentNone on record
HOA (per listing)$21/mo
Calculated estimates
Price per sq ft$395
Estimated monthly payment$4,445
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$1,282,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of COMPASS FLORIDA LLC · Listing agent: Stephanie Leitao, LLC · 941-279-3630Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$1,183,321the mess$1,507,107
Actual list price: $659,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1959 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $21/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
2869 active listings competing, 760 under contract
For reference, this home is listed at $659,000 ($395/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,669 sq ft × $709–$903/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 19, 2026.
Keep looking
Similar homes for sale near TERRA CEIA ESTATES
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $659,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$6,920/yr
A rough first-year estimate only, applying a typical Manatee rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$3k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$21/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by COMPASS FLORIDA LLC · MLS # A4706582
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Market data · public records
Recent sales activity in TERRA CEIA ESTATES
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the TERRA CEIA ESTATES neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$1,282,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$806
Canonical 12-month median $/sq ft. Reference only.
Go deeper on TERRA CEIA ESTATES
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
Florida's new state budget funds five major Manatee County projects
The 2026 state budget signed by Gov. Ron DeSantis directs 12.4 million dollars to five Manatee County projects, including the Singletary Road Bridge replacement, a 51st Street West extension in Bradenton, and design work for a Fort Hamer Road and I-75 interchange. The list also funds Fresh Start Manatee Phase 2 and the Valor Commons veterans hub.
Why it matters: State funding for road, bridge and interchange work expands transportation infrastructure and supports future growth capacity across Manatee County. The site is about 4 miles east of Zz Stellar Manatee Unassigned.
The Manatee County Commission advanced business terms for the next phase of an 80 million dollar, 190,000 square foot sports complex at Premier Sports Campus in Lakewood Ranch, featuring four ice rinks including a 2,500 seat arena plus retail, restaurants and sports medicine space. Construction is expected to begin in 2027 with an opening targeted for 2028.
Why it matters: A large ice and sports complex adds indoor recreation and commercial space to the Lakewood Ranch area and expands the local sports tourism venue base. The project is about 18 miles east of Zz Stellar Manatee Unassigned, elsewhere in Manatee County.
The City of Bradenton held a ceremonial groundbreaking for Future City Park next to LECOM Park, adding three new baseball fields, expanded parking and a community resource center offering education and career programs. Officials aim to complete all phases by 2028.
Why it matters: New ballfields, parking and a resource center expand public recreation and civic facilities in the Bradenton area. The project is about 3 miles east of Zz Stellar Manatee Unassigned, elsewhere in Manatee County.
Schools currently assigned to this address in Manatee County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Palm View ElementaryAssigned elementary school · Manatee County School District
GRADEB
Lincoln MiddleAssigned middle school · Manatee County School District · Grade B (Florida DOE 2025-26)
GRADEC
Palmetto HighAssigned high school · Manatee County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$3,020 – $4,393/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,509 – −$273At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 1831 Bayshore Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1959 (67 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $21/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Manatee County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,669 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,920/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Stellar MLS, refreshed twice daily (last: September 19, 2026)
Community market stats
Stellar MLS closed sales, as of September 12, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 1831 Bayshore Drive and when was it built?
Per the listing record, 1831 Bayshore Drive was built in 1959 and has 1,669 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1831 Bayshore Drive in?
1831 Bayshore Drive is in Terra Ceia Estates in Terra Ceia, Manatee County. The community section on this page shows recent closed sales, days on market, and active inventory for Terra Ceia Estates from the same MLS data.
Does 1831 Bayshore Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $21 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 1831 Bayshore Drive differ from the current owner's?
The estimate on this page (about $6,920 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1831 Bayshore Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 1831 BAYSHORE DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
