180 HORSESHOE LOOP ROAD, Terra Ceia, FL, 34250 | $1,849,000

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.

Features

  • Elevator: Y
  • Amenities: Park, Playground, Recreation Facilities
  • Rooms: 9
  • Bedrooms: 3
  • Baths: 3 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Custom, Elevated, Key West
  • Year Built: 2021
  • Garage: 3-car Driveway, Garage Door Opener, Ground Level, Guest, Oversized, RV Parking, Split Garage, Under Building, Workshop in Garage
  • Heating: Central, Zoned
  • Cooling: Central Air, Zoned
  • Approx Sq. Feet: 2,962
  • Acreage: 1.96
  • Est. Taxes: $13,831
  • HOA Fee: $250 Annually
  • Lot Desc: In County, Landscaped, Oversized Lot
  • View: Pool, Water
  • Water Front: Yes
  • Pool: Deck, Gunite, Heated, In Ground, Lighting, Outside Bath Access, Salt Water, Solar Cover
  • Pet Policy: Yes
  • Appliances: Bar Fridge, Dishwasher, Disposal, Dryer, Microwave, Range, Range Hood, Refrigerator, Washer, Wine Refrigerator
  • MLS#: A4699550
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /eprop/A4699550/180horseshoelooproad_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 7/11/2026 3:15:05 PM)
Listing courtesy of COLDWELL BANKER REALTY   Phone: 941-383-6411

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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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180 HORSESHOE LOOP ROAD, Terra Ceia, FL, 34250

$1,849,000

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 $1,479,200 $1,479,200 $1,479,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.277% 6.223% 6.183%
Monthly Tax Payment $1,153 $1,153 $1,153
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $8,750 $8,988 $12,482
Total Monthly Payment $10,028 $10,266 $13,760

* 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.