
180 HORSESHOE LOOP ROAD, TERRA CEIA, FL, 34250
Active16 days on marketListed Jul 9, 2026MLS #A4699550
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
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.
$12,004 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,004/mo
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.
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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Terra Ceia 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
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.
Sold · Nov ’25$1,025,000
1825 BAYSHORE DRIVE
4 bd · 3 ba · 2,954 sqft · $347/sqft · 20 DOM
Sold · Sep ’25$1,920,000
130 BURNS ROAD
3 bd · 2.5 ba · 2,947 sqft · $652/sqft · 18 DOM
Sold · 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.

Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 180 HORSESHOE LOOP ROAD — start here.

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.
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.
Keep looking
Similar homes nearby
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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