63 TERRA CEIA DRIVE, PALMETTO, FL, 34221
Active471 days on marketListed Apr 18, 2025MLS #A4649409
About this home
63 TERRA CEIA DRIVE
Best-Priced RV Lot in Tropic Isles Co-Op – Waterfront 55+ Living on Florida’s Sun Coast! Don’t miss this incredible opportunity to own the most affordable RV lot currently on the market in Tropic Isles Co-Op—a highly sought-after 55+ resident-owned waterfront community! Bring your 5th wheel, motor coach, or destination trailer and start enjoying the Florida lifestyle right away. Whether you're looking for a seasonal escape or full-time residency, this lot offers the perfect combination of value, location, and lifestyle. Tucked within this vibrant boating community, the property even offers a peek-a-boo water view, giving you a touch of that waterfront feel without the waterfront price. Property Highlights: - Most affordable RV lot currently available in Tropic Isles - Shed included with the property - Peek-a-boo water view - Ideal for 5th wheels, motorhomes, or destination trailers - Vacant and ready for your setup Community & Location: Located along Florida’s beautiful Sun Coast, Tropic Isles offers an active and social lifestyle with access to waterfront amenities, marina, clubhouse, and year-round activities. Just minutes from top-rated beaches, dining, shopping, and entertainment, you’ll have everything you need to enjoy the best of Florida living. Important Notes: Lot dimensions are approximate due to the lot’s unique shape Buyers should verify RV fit and community setback requirements prior to purchase This is a rare chance to get into Tropic Isles at an entry-level price point—opportunities like this do not last. RV Shown on picture is only for visual purposes and it is not included in the listing. Contact me today for details or to secure your spot in paradise!
Facts & features
The home at a glance
0.01 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 and the real association fee — not generic estimates.
$876 /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
$876/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 Tropic Isles Mobile Home Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Tropic Isles Mobile Home Estates — neighborhood snapshot
Population
744
Median age
66
Median income
$55,729
Median home value
$250,900
Avg household
2
Households w/ children
47%
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 84% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 63 TERRA CEIA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$155,000
14 BASIN STREET · same community
1 bd · 1 ba · 480 sqft · $323/sqft · 151 DOM
Sold · Mar ’26$55,000
154 MAUI DRIVE · same community
1 bd · 1 ba · 480 sqft · $115/sqft · 392 DOM
Sold · May ’26$180,000
230 BIMINI DRIVE · same community
2 bd · 2 ba · 540 sqft · $333/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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 63 TERRA CEIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 63 TERRA CEIA DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
63 TERRA CEIA DRIVE FAQs
What would the monthly payment be for 63 TERRA CEIA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $876/mo — principal and interest, the actual property-tax bill, the $295/mo association fee 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.
How much are the HOA fees at 63 TERRA CEIA DRIVE?+
The association fee works out to $295 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 63 TERRA CEIA DRIVE?+
The most recent tax bill on record (2024) was $728. 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 63 TERRA CEIA DRIVE?+
The listing reports pets: Number Limit, Size Limit, 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 $57,000, this home is listed about 86% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 63 TERRA CEIA DRIVE?+
Palmetto Elementary School (elementary), Palmetto High School (high), Lincoln Memorial Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALMETTO 34221 market on paper
$57,000 is 84% below the PALMETTO 34221 median of $364,900.
02Time on market is leverage
471 days on market against a Palmetto median of 55 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $75,000, now $57,000 — a $18K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ON THE WATER · Jose Torres. MLS #A4649409.
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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