Eric Chery
$1,849,0003 bd3.5 ba2,962 sqft$624 /sqft$12,004 /mo all-in ↓

180 HORSESHOE LOOP ROAD, TERRA CEIA, FL, 34250

Active16 days on marketListed Jul 9, 2026MLS #A4699550

WaterfrontPrivate poolSingle Family ResidenceTERRA CEIA VILLAGE

About this home

180 HORSESHOE LOOP ROAD

Discover the essence of Florida coastal living at this exceptional custom-built Key West-inspired waterfront estate, where nearly two private acres, direct bay access, and timeless craftsmanship come together on historic Terra Ceia Island. Completed in 2021, this elevated coastal residence offers an extraordinary blend of privacy, boating freedom, and panoramic views across Terra Ceia Bay. This residence commands approximately 117’ of waterfront overlooking the bay. A private dock extends through a tranquil mangrove estuary to a pier equipped with water and electricity, offering direct bay and Gulf access with no fixed bridges. Spanning nearly 3,000 square feet of thoughtfully designed living space, the elevated home embraces relaxed coastal elegance throughout. Rich pine wood flooring, custom shiplap detailing, tongue-and-groove ceilings, impact-rated windows and doors, and abundant natural light create an inviting atmosphere that complements the surrounding waterfront landscape. An elevator services each living level, while expansive covered and screened verandas capture uninterrupted water views from nearly every room. Occupying the upper living level, the open-concept great room is designed for effortless entertaining. Walls of glass frame sweeping bay vistas while seamlessly connecting the spacious living area, dining space, and gourmet kitchen. The chef's kitchen is beautifully appointed with custom cabinetry, oversized center island, stone countertops, premium appliances, dual side-by-side refrigerators, oversized professional range with pot filler, wine refrigerator, coffee bar with filtered water, walk-in pantry, and generous preparation space—creating the perfect setting for everything from casual family meals to large gatherings. The primary suite occupies its own private level and serves as a peaceful waterfront retreat. The spa-inspired bath features a freestanding soaking tub, oversized custom-tiled walk-in shower, dual vanities, designer lighting, and two spacious walk-in closets. An adjoining flex room provides exceptional versatility as a nursery, home office, fitness room, or private sitting area. A second guest bedroom, full bath, and oversized laundry room complete this level, while an additional guest suite with en-suite bath occupies the upper floor to maximize privacy. Outdoor living is equally exceptional. The resort-inspired saltwater pool is surrounded by expansive pavers, lush tropical landscaping, and multiple gathering spaces. A convenient pool bath serves the outdoor living areas, while the fully fenced grounds provide ample room for recreation, gardening, or future enhancements. Three oversized tandem garage bays with 10’ doors, 12’ ceilings, extensive storage, workspace, and room for recreational vehicles provide unmatched functionality. Additional features include a whole-house generator, metal roof, security gate, zoned HVAC systems, and exceptional craftsmanship that provides lasting peace of mind. Terra Ceia Island remains one of Florida's hidden coastal treasures. Residents can join the association, which offers access to a private waterfront park featuring a community boat ramp, fishing, pickleball, playground, and year-round neighborhood gatherings. Despite its peaceful island setting, this home enjoys exceptional convenience with quick access to I-275 and I-75, placing downtown St. Petersburg, Tampa, Bradenton, Lakewood Ranch, Sarasota, and multiple Gulf Coast beaches within easy reach.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,962

Sqft

1.96 ac

Lot size

3

Garage

2021

Year built

Two

Levels

$624

Per sqft

Private poolWaterfrontPool & Water viewPets allowed

Inside

FlooringEngineered Hardwood
AppliancesBar Fridge · Dishwasher · Disposal · Dryer · Microwave · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Coffered Ceiling(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral · Zoned

Outside & construction

RoofMetal
ConstructionBlock · HardiPlank Type · Stucco · Wood Frame
FoundationSlab · Stilt/On Piling
ViewPool · Water
FacesSouthwest
ParkingDriveway · Garage Door Opener · Ground Level · Guest · Oversized · RV Parking · Split Garage · Under Building · Workshop in Garage
ExteriorBalcony · French Doors · Lighting · Outdoor Shower · Private Entrance · Private Mailbox · Private Yard · Sliding Doors · Storage

Community & fees

HOA fee$21/mo
Taxes (2025)$13,831/yr
PetsYes
CommunityBay/Harbor Front · Community Boat Ramp · Fishing · Water Access · Waterfront · Park · Playground

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Propane · Water Connected
WaterPublic

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.

$12,004 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,977
PMI (est., until 20% equity)$693
Property tax — 2025 actual bill$1,153
HOA fee — from the listing$21
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $184,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $184,900
Interest rate6.00%
Loan term

Estimated payment

$12,004/mo

Principal & interest$9,977
PMI (est., until 20% equity)$693
Property taxes (actual bill)$1,153
HOA / condo fee$21
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $1.8M
$978KedgeAI estimate $1,361,337 · range $1.0M$1.6M$1.9M

vs edgeAI estimate

+35.8%

$/sqft vs Terra Ceia actives

$624 vs $493

Days on market

16 vs 58 typical

Where $624/sqft sits among the 9 Terra Ceia actives

3
2
2 · this home
0
1
1
$348–449$449–550$550–651$651–752$752–853$853+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Terra Ceia

Map of 180 HORSESHOE LOOP ROAD

Drive times from this address

Downtown Tampa50 min
Tampa Int’l Airport (TPA)50 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Terra Ceia. See the full Terra Ceia guide →

TERRA CEIA 34250 — neighborhood snapshot

Population

416

Median age

57.8

Median income

$153,566

Median home value

$921,100

Avg household

2.19

Households w/ children

28%

For the school run

Manatee County School District

HighPalmetto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Terra Ceia market

Seller’s marketLeans buyer10.0 months of inventoryBuyer’s market

$470K$1.3M

Terra Ceia median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

7 of 9

Terra Ceia actives have cut their price

Median sold price, Terra Ceia, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 128% above the TERRA CEIA 34250 median. See the full Terra Ceia market guide →

Paper trail

This home's history

Jul 9, 2026Listed at $1,849,000 · 16 days on market since
2021Built · TERRA CEIA VILLAGE

Reality check

What actually sold near 180 HORSESHOE LOOP ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1825 BAYSHORE DRIVESold · Nov ’25

$1,025,000

1825 BAYSHORE DRIVE

4 bd · 3 ba · 2,954 sqft · $347/sqft · 20 DOM

130 BURNS ROADSold · Sep ’25

$1,920,000

130 BURNS ROAD

3 bd · 2.5 ba · 2,947 sqft · $652/sqft · 18 DOM

4823 ARLINGTON ROADSold · Jan ’26

$1,060,000

4823 ARLINGTON ROAD

3 bd · 3 ba · 3,034 sqft · $349/sqft · 161 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 180 HORSESHOE LOOP ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 180 HORSESHOE LOOP ROAD — 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.

Goes straight to Eric’s phone and CRM.

Straight answers

180 HORSESHOE LOOP ROAD FAQs

What would the monthly payment be for 180 HORSESHOE LOOP ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,004/mo — principal and interest, the actual property-tax bill, the $21/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 180 HORSESHOE LOOP ROAD?+

The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 180 HORSESHOE LOOP ROAD?+

The most recent tax bill on record (2025) was $13,831. 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 180 HORSESHOE LOOP ROAD?+

The listing reports pets: 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 Terra Ceia?+

At $1,849,000, this home is listed about 45% above the Terra Ceia median of $1,274,000. The market section on this page shows how the area is trending.

Which schools are assigned to 180 HORSESHOE LOOP ROAD?+

Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of COLDWELL BANKER REALTY · Roger Pettingell. MLS #A4699550.

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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