1605 CENTER ROAD, Terra Ceia, FL, 34250 | $899,000

Built elevated and storm-tested, this home has never flooded during Helene, Milton, or any prior storm. Set on over an acre of land backing directly onto a protected preserve, 1605 Center Road offers something increasingly rare on Florida's Gulf Coast: genuine privacy, permanent open space behind you, and the peace of mind that comes with a home built to last. This home delivers a roof  built to post-2015 requirements, hurricane impact windows and doors throughout, and elevated 2021 construction, all of which provide peace of mind. The preserve backing ensures no rear neighbors and ultimate privacy. Protected land cannot be developed, giving you a permanent green buffer and unobstructed natural views from the covered back porch, which has been roughed-in for an outdoor kitchen and designed to extend your living space outdoors, with french doors that open fully to seamlessly connect the interior to the backyard. A built-in mosquito misting system makes outdoor entertaining comfortable year-round. The acre-plus lot also offers genuine flexibility with ample space to add a swimming pool, an accessory dwelling unit, or simply room to breathe, something that is almost impossible to find at this price point. Inside, the heart of the home is a grand open-plan living space with a chef's kitchen designed for serious cooking: premium induction cooktop, double built-in ovens with convection and air-fry capability, a large walk-in pantry, and a dedicated beverage refrigerator. The layout is both elegant and practical, the generous dining space flows naturally from the kitchen, and the entire living area opens toward the preserve views beyond. The spa-inspired primary suite offers backyard preserve views, remote-controlled window coverings, double vanities, a walk-in shower, private water closet, and a spacious custom closet build-out. A split floor plan places two additional bedrooms, each featuring custom closets, on the opposite side of the home, sharing a jack-and-jill bath. A dedicated flex room serves equally well as a home office, den, playroom, or fourth bedroom. Practical features are equally well considered: an attached two-car garage plus a detached building that accommodates two additional vehicles or serves as workshop and storage, a built-in RV hookup, outdoor lighting controlled from interior switches, and a full home security system. Every closet in the home features a custom build-out. Location is genuinely convenient for an island address, located less than 5 minutes to water access, 20 minutes to St. Petersburg, 25 minutes to area beaches, and 30 minutes to Sarasota. Membership in the Village Improvement Association (VIA) provides access to private Sea Breeze Park with a playground, pickleball court, pavilion, and boat launch. HOA membership adds access to an additional boat launch and dock. If you have been searching for a low-density coastal retreat with room to grow, storm-proven resilience, and a setting that cannot be replicated — this is it

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room
  • Year Built: 2021
  • Garage: 2-car Boat, Garage Door Opener, RV Parking
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,582
  • Acreage: 1.42
  • Est. Taxes: $8,546
  • HOA Fee: $500 Annually
  • Lot Desc: Cleared, Flood Insurance Required, FloodZone
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Microwave, Refrigerator, Wine Refrigerator
  • MLS#: TB8467636
  • Days on Market: 99 days
  • Website: https://www.raveis.com
    /prop/TB8467636/1605centerroad_terraceia_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/18/2026 4:47:07 PM)
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL   Phone: 727-493-1555

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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1605 CENTER ROAD, Terra Ceia, FL, 34250

$899,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $719,200 $719,200 $719,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.361% 6.183%
Monthly Tax Payment $712 $712 $712
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,312 $4,428 $6,069
Total Monthly Payment $5,116 $5,232 $6,873

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.