Terra Bay Capital creates and invests in residential communities that draw from the best traditions — walkable, richly detailed, and deeply considered.
View Our WorkTerra Bay Capital is a design-forward residential development and location-based real estate investment firm focused on urban infill projects across the Mountain Region and Florida Gulf Coast.
We believe the best housing doesn't always shout — it settles into its context, earns its place on the block, and improves with age. Carefully crafted and diligently managed. Our projects are informed by the urbanism traditions of European cities: mixed uses, active street edges, and the quiet intimacy of well-made neighborhoods. Every detail matters.
With deep roots in real estate finance, construction management, design, and development, our team navigates complexity from land acquisition through final delivery — maintaining design integrity at every step.
Mike (Mikey) Concordia is the Founder and CEO of Terra Bay Capital, a Denver-based real estate development and investment firm. He brings a combined background in construction management and real estate development, with hands-on experience across the full project lifecycle — from land acquisition and entitlements through construction oversight, capital formation, and asset disposition.
Prior to founding Terra Bay, Mike held roles in commercial construction and development with Haselden Construction and BMC Investments, where he managed over $1 billion in total project volume and developed deep fluency in project delivery, cost management, and contractor relationships. He also built up his own portfolio of single-family rental homes, learning the nuances of rental housing and what it takes to be an entrepreneur.
He holds a Master of Science in Real Estate from the University of Denver and a Bachelor of Science from Bates College.
We work with landowners, equity partners, brokers, and investors who share our conviction that well-designed and well-located housing creates lasting value. If that's you, we'd like to connect.