Elementary
$320,000
$316/sqft
HOA: $338/mo|Taxes: $3,606/yr|5d on market
Tropic Isles Co-Op
323 TERRA CEIA DR, PALMETTO, FL, 34221
View all homes for sale in Tropic Isles Co-Op →2 Beds|2 Baths|1,012 Sq Ft|Built 1980
Key Features
Canal FrontWater View55+ CommunitySingle StorySpa/Hot TubFurnished
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⚡ This home is getting strong interest. Schedule a showing before it's gone.
Waterfront & Dock
- Waterfront
- Bay/harbor, Canal - Freshwater
- Water Frontage
- 40 ft
- Dock
- Yes
- Dimensions
- 200
- Description
- Dock - Wood
Golf Course
- Feature
- Golf Carts Ok
- Community
- Yes
C2C
Coast 2 Coast Home Realty
Licensed Florida Realtors
4.9· 214 reviews
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Buyer Insights
Here's what we know about this listing.
Why this home stands out
- Fresh listing — 5 days on market
- Updated 1 day ago
Buyer Insights are informational only — always verify with your agent.
**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.
- City
- PALMETTO
- Subdivision
- TROPIC ISLES CO-OP
- County
- Manatee
- Zip Code
- 34221
- Community
- Tropic Isles
School Report Card
Source: FL Dept. of Education
ABCDF
Middle
High
Neighborhood
Map unavailable
- Type
- Manufactured Home
- Living Area
- 1,012 sqft
- Construction
- Frame
- Roof
- Shingle
- Flooring
- Carpet
- Pool
- No
- HOA
- $338 / Monthly
- Other
- Walk-in Closet(s)
- Other
- Dishwasher
- Dryer
- Microwave
- Range
- Refrigerator
- Washer
- Laundry Room
- Public
- Association Recreation - Owned
- Buyer Approval Required
- Clubhouse
- Community Mailbox
- Fitness Center
- Golf Carts Ok
- Pool
- Bay/harbor Front
- Community Boat Ramp
- Marina
- Water Access
- Waterfront
- Clubhouse
- Maintenance
- Pool
- Management
- Recreational Facilities
- Sewer
- Trash
- Water
- Bedrooms
- 2
- Bathrooms
- 2
- Year Built
- 1980
- Construction
- Frame
- Flooring
- Carpet
- Roof
- Shingle
- Garage Spaces
- 0
- Cooling
- Central Air
- Heating
- Central
- Waterfront
- Yes
- Pet Restrictions
- Yes
- Lot Size
- 0.08 acres
- Senior Community
- Yes
- Building Elevator
- —
- Pet Size
- —
- # of Pets
- —
- Max Pet Weight
- —
- Tax Year
- 2025
- Annual Tax Amount
- $3,606
Association Fees
HOA Fee
Tropical Isle Coop - Barbara McEvoy
$338/ Monthly
Down Payment20% — $64,000
Interest Rate6.50%
Loan Term
- Est. Mortgage
- $1,618
- HOA Fee
- $338
- Est. Property Tax
- $300
- Est. Insurance
- $107
Total Est. Monthly Cost$2,363
* Estimates are for illustration purposes only and do not constitute an offer of financial advice. Actual rates, payments, insurance, and taxes will vary based on credit, location, and other factors. Contact a licensed mortgage professional for a personalized quote. Homeowners insurance estimate based on Florida averages.