3 MICHIANA PLACE, Terra Ceia, FL, 34250 | $1,699,990

Welcome to a modern coastal paradise, hidden on idyllic Terra Ceia Island! Over a quarter acre along the aquatic preserve of Miguel Bay, this home offers endless entertainment with an open floor plan and fully updated modern aesthetic, surrounded by a tropical setting, fiery sunsets, and views of the Skyway Bridge. The property doubles as a wonderful investment opportunity with no HOA or leasing restrictions, providing not just a short-term rental or AirBnB but a true Old Florida experience, where Captains bring their charters for World Class inshore fishing, only a few minutes to Gulf waters. A 165-foot dock on open water, built with durable Trex decking, comes equipped with water, power, a 10, 000-pound boat lift with remote, and stairs leading down for an easy kayak launch with no rear neighbors and a view of tranquil mangrove islands.
Relaxation awaits in this 4-bedroom, 2. 5 bath beautifully updated custom coastal residence, intended to complement its serene surroundings with water views from nearly every room. The thoughtfully designed split floor plan offers privacy and flexibility with a master suite featuring a discrete entrance off the lush courtyard with multiple cedar closets & custom built-ins. The second bedroom boasts an ensuite with a bathtub creating a welcoming space for any guest. The third bedroom features a private covered patio. The fourth bedroom, currently utilized as a nursery, could easily serve as a home office or hobby room. Each bathroom has been carefully updated with custom vanities and travertine tile. An oversized utility room featuring an icemaker offers easy storage and accessibility for the fisherman on the go!
Warm wood-beamed ceilings, elegant Leonardo Travertine in Versailles pattern, Sunset quartz countertops, in a central, open kitchen, create an inviting, sophisticated atmosphere. The fully updated Chef’s kitchen is the heart of the home, with an oversized island, seamlessly connects the family room with the outdoors, all overlooking Miguel Bay. Samsung Bespoke White Glass Kitchen Suite of appliances offer state of the art features.
Venture out of the luxurious interior into one of the many outdoor living areas, and enjoy stargazing in the tropical courtyard or cocktails fireside after a long day of boating. You will be greeted by all that nature has to offer, from Manatees, dolphins, tarpon, white pelicans, and roseate spoonbills. The meticulous grounds feature winding stone paths under the canopy of a Royal Poinciana, “The Lido Deck” pergola, charming shell beach under swaying Coconut, Bottle, Areca Palms, all surrounded by mature Florida landscaping.
For those fortunate enough to enjoy, historic Terra Ceia Island is more than just a location—it's a lifestyle. This close-knit active community comes together for events like the Mullet Festival, Kayak Poker Regatta, Halloween Hayrides, Around the World Dinner, Easter Egg Hunt, and a Christmas Golf Cart Parade. The optional Village Improvement Association provides access to the community hall and waterfront Seabreeze Park, complete with picnic pavilions, boat ramp, a soon to be built 300 ft fishing pier, playground & pickleball courts. Conveniently situated at the foot of the Sunshine Skyway Bridge, Terra Ceia offers easy commute and access to St. Pete Beach, Tampa, Anna Maria Island, and Bradenton. Unwind and experience Old Florida living at this one-of-a-kind luxury waterfront property.

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Lot Size: 76 x 162
  • Laundry: Inside, Laundry Room
  • Style: Bungalow, Coastal, Key West
  • Year Built: 1939
  • Garage: 1-car
  • Heating: Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,144
  • Acreage: 0.28
  • Lot Size: 76 x 162
  • Est. Taxes: $4,585
  • Lot Desc: CoastalConstruction Control Line, Flood Insurance Required, FloodZone, Landscaped, Level, Street Dead-End
  • View: Water
  • Water Front: Yes
  • Elem. School: Palm View Elementary
  • Middle School: Lincoln Middle
  • High School: Palmetto High
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Bar Fridge, Dishwasher, Disposal, Electric Water Heater, Freezer, Ice Maker, Microwave, Range, Tankless Water Heater, Wine Refrigerator
  • MLS#: A4690122
  • Days on Market: 24 days
  • Website: https://www.raveis.com
    /eprop/A4690122/3michianaplace_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 5/30/2026 5:06:16 PM)
Listing courtesy of Compass Florida LLC   Phone: 941-279-3630

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

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3 MICHIANA PLACE, Terra Ceia, FL, 34250

$1,699,990

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 $1,359,992 $1,359,992 $1,359,992
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.350% 6.259% 6.183%
Monthly Tax Payment $382 $382 $382
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $8,154 $8,263 $11,476
Total Monthly Payment $8,661 $8,770 $11,983

* 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.