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Under contract-accepting backup offers. Welcome to island time on Terra Ceia Island—where life slows down, the water is always calling, and every day feels like a getaway.
For boating enthusiasts, this property is the ultimate setup. Situated on a canal with a private dock, private boat ramp, and 8, 000-lb lift, this home was designed for spontaneous adventures. No trailering. No waiting. Just drop the boat and go—whether it’s fishing, cruising the bay, or heading out to the Gulf. This one-of-a-kind Key West–style home was made for buyers who want something different… something with personality, views, and a direct connection to the boating lifestyle. The first level offers a generous garage and storage space for all the essentials of island living—boats, bikes, fishing gear, and everything you need to be on the water at a moment’s notice.
Upstairs on the second floor, the main living area is light, bright, and welcoming, with a relaxed energy that instantly makes you feel at home. Just off the living space is a large covered, screened-in porch—the kind of spot you’ll use year-round for dining, relaxing, and catching those glowing west-facing sunset views while enjoying the coastal breeze without the elements. A guest bedroom and bath complete this level, making it comfortable and functional for everyday living or hosting visitors.
Then comes the showstopper—take the spiral staircase up to the third floor, where you’ll find a private retreat featuring the primary suite, an additional guest bedroom, and elevated views that feel like you’re floating above it all. From here, you can soak in the unobstructed sightlines of the iconic Sunshine Skyway Bridge, creating a backdrop that changes by the hour with sunsets, passing boats, and open sky.
And while the home itself is special, the lifestyle here is what truly sets it apart. Terra Ceia is known for its active, close-knit community where residents spend their days biking, walking, and enjoying the outdoors. A local fruit stand and quaint post office add to the island’s old-Florida charm. Seabreeze Park offers members access to pickleball courts, a playground, covered pavilion, and a boat ramp—all surrounded by the beauty of Terra Ceia Bay.
If you’ve been searching for a home that delivers not just a place to live, but a true waterfront lifestyle—with unforgettable views, effortless boating, and a welcoming island community—this is where your story begins.
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Our Executive Mortgage Banker:
Our Insurance Division:
$849,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $679,920 | $679,920 | $679,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.263% | 6.259% | 6.223% |
| Monthly Tax Payment | $766 | $766 | $766 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,968 | $4,131 | $5,738 |
| Total Monthly Payment | $4,826 | $4,989 | $6,596 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.