Lacie Springstead
Pending
$1,500,000$2,700,0005 bd3.5 ba3,636 sqft$413 /sqft$9,317 /mo all-in ↓

1470 BAYSHORE DRIVE, TERRA CEIA, FL, 34250

Pending203 days on marketListed Jan 18, 2026MLS #A4678311

Reduced $1.2MWaterfrontPrivate poolSingle Family ResidenceLILES & STANTON

About this home

1470 BAYSHORE DRIVE

Welcome to Mariner’s Retreat, an extraordinary waterfront estate and development opportunity in the heart of historic Terra Ceia, Florida. The offering highlighted here centers on the premier waterfront parcel at 1470 Bayshore Drive, encompassing approximately 1.41 acres with more than 475 feet of pristine shoreline along Tillette Bayou and Terra Ceia Bay—an increasingly rare canvas for private coastal living. Anchoring this parcel is a three-story residence offering over 3,600 square feet under air. The home has been thoughtfully improved, including a brand-new roof completed in late 2025 and full ceiling restoration. Originally renovated in 2018, enhancements include impact-rated windows and doors, an updated kitchen and baths, refined flooring and lighting, and a 2023 HVAC system. Expansive water views stretch across Terra Ceia Bay toward the iconic Sunshine Skyway Bridge. The property offers direct water access to Terra Ceia Bay and the Gulf of Mexico within minutes, allowing for a seamless boating lifestyle with opportunities for world-class fishing, wildlife encounters, and sunset cruising. Complementing this waterfront parcel is a rare opportunity to expand ownership with two additional vacant parcels located directly across the street at 1450 and 1460 Bayshore Drive. Together, these parcels total over 8 acres of upland terrain with mature Florida landscape. Supported by a completed environmental study, they present strong potential for future development, including additional homesites under Planned Development Residential (PD-R) zoning and a RES-1 land use designation. Buyers have the flexibility to acquire the waterfront parcel on its own, pair it with one additional parcel, or secure all three parcels to create a nearly 10-acre compound—ideal for a private family enclave, strategic development, or a long-term legacy investment. The property is located within Flood Zone AE, with base elevations of 9 to 10 feet. Owner financing may be considered for qualified buyers, with environmental reports and additional details available upon request. Mariner’s Retreat captures the essence of Old Florida—private, expansive, and deeply connected to the water—while offering meaningful flexibility for future vision. All just moments from St. Petersburg, Tampa, and the I-275 corridor, yet peacefully removed from the pace of the mainland. Additional parcel tax IDs included: 2186900102, 2186900151

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

3,636

Sqft

1.41 ac

Lot size

2

Garage

1991

Year built

Two

Levels

$413

Per sqft

Private poolWaterfrontFireplacePool & Water view

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Stone Counters · Walk-In Closet(s) · Wet Bar
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewPool · Water
FacesSouth
ParkingBoat · Driveway · Ground Level · Oversized · Split Garage
ExteriorBalcony · Private Mailbox · Sliding Doors

Community & fees

Taxes (2024)$6,010/yr

Utilities & systems

UtilitiesElectricity Connected
WaterPublic · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$9,317 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,094
PMI (est., until 20% equity)$563
Property tax — 2024 actual bill$501
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $150,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $150,000
Interest rate6.00%
Loan term

Estimated payment

$9,317/mo

Principal & interest$8,094
PMI (est., until 20% equity)$563
Property taxes (actual bill)$501
Est. insurance$160

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.

Where it sits

Inside Terra Ceia

Map of 1470 BAYSHORE DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)46 min
Downtown Tampa47 min

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

HighPalmetto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Terra Ceia market

Seller’s marketLeans seller4.4 months of inventoryBuyer’s market

$1.1M$1.6M

Terra Ceia median sold, yr/yr

95.4%

Sale-to-list ratio (12 mo)

Median sold price, Terra Ceia, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 100% above the TERRA CEIA 34250 median. See the full Terra Ceia market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,500,000 $1.2M
Jan 18, 2026Listed at $2,700,000 · 203 days on market since
1991Built · LILES & STANTON

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.

Lacie Springstead

Your agent

Lacie Springstead

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1470 BAYSHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1470 BAYSHORE DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1470 BAYSHORE DRIVE FAQs

What would the monthly payment be for 1470 BAYSHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,317/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 1470 BAYSHORE DRIVE?+

The most recent tax bill on record (2024) was $6,010. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Terra Ceia?+

At $1,500,000, this home is listed about 61% above the Terra Ceia median of $933,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1470 BAYSHORE DRIVE?+

Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,500,000 runs 100% above the TERRA CEIA 34250 median — but at 3,636 sqft it's also 71% larger than the typical Terra Ceia listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

203 days on market against a Terra Ceia median of 90 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $2,700,000, now $1,500,000 — a $1.2M cut. The full history is in the market section below.

Listing courtesy of KW SUNCOAST · Stephanie Paxton. MLS #A4678311.

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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