David Ramirez
$2,200,0005 bd3.5 ba4,282 sqft$514 /sqft$14,062 /mo all-in ↓

818 NANCY GAMBLE LANE, ELLENTON, FL, 34222

Active24 days on marketListed Jun 30, 2026MLS #A4665629

WaterfrontPrivate poolSingle Family ResidenceGAMBLE PLANTATION SHORES

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Fri, Jul 24

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About this home

818 NANCY GAMBLE LANE

Virtually Staged. STUNNING WATER VIEWS AND QUICK GULF ACCESS! Crafted for the Discerning Boater and Luxury Waterfront Buyer, this 5-bed, 3.5-bath Manatee River Masterpiece with Flex Room, Double Den, Oversized 3+ car Garage, and approximately 4,282 heated sq ft offers an Elevated Coastal Lifestyle with Direct Access to the Gulf. From Sunrise on the River to Blazing Sunset Skies from the Rooftop Putting Green, every inch of this residence is designed to maximize the Views and the Waterfront Experience. Ride the ELEVATOR up to A Dramatic 750 sq ft Great Room with Floor-to-Ceiling High-Impact Windows showcases Sweeping, Wide-open River Vistas that feel like living on the Bow of a Yacht. The Gourmet Upstairs Kitchen features Professional-grade Appliances, Soft Close Cabinets, a Custom Granite Breakfast Bar that seats 8, Corner Fireplace, Entertainment Center, Vaulted Ceilings, and a Stylish Dining Area—Perfect for Hosting Sophisticated Dinner Parties or Relaxed evenings overlooking the Water. Two Luxurious Master Suites each offer Private Balconies, Designer Baths, Elevated Finishes, and Full Motorized Window Shades, creating true Hotel-Caliber Retreats with Effortless Control over Light, Views, and Privacy. A 1,600 sq ft Rooftop Putting Green with Panoramic Sunset and Canal Views adds a Unique Resort-style Amenity rarely found in single-family Waterfront Homes. The Thoughtfully Renovated lower level provides incredible flexibility for High-end Buyers who Value Space and Options—featuring a 2nd Full Kitchen, Newly Updated Bathroom, and New Interior and Exterior Doors and Casings, ideal for Visiting Guests, Multigenerational Living, Staff Quarters, or a Quiet Executive Workspace. New AC systems installed in December 2024 with "Second Wind" UV bulbs deliver Advanced Antimicrobial, Anti-Fungal, and Antiviral Sterilization to the Air Circulation Systems, Enhancing Comfort and Wellness. The Seller is Including a 1 Year Home Warranty that offers added Confidence and Protection for the Next Owner. For the Serious Boater, this Property is Exceptional. Approximately 330 feet of Trex Dock (built in 2019) provides a Robust, Low-Maintenance Platform with Electricity, Water, and Lighting. 2 Boat Lifts (approx. 16,000 lb and 13,000 lb), a Dual Jet Ski Lift (approx. 4,500 lbs), and 2 Floating Jet Ski Docks at the Seawall Create a Turnkey Waterfront Playground ready for Cruisers, Center Consoles, and Personal Watercraft. The Seawall was Recapped and Fortified in 2024 for long-term Stability and Peace of Mind. Relax in Your Saltwater Pool with an Outdoor Kitchen, Tall Screen Cage, and Outdoor Pool Bath. There is a 50-amp Motorhome Hookup, Gated driveway, New Garage Floor Coating, and 2017 Metal Roof Complete a Property Tailored for Buyers who Expect Both Luxury and Practicality from their Waterfront Investment. Oh and Did I mention??....Dolphin and Bird Watching From Your Living Room! Manatees come Right Up to the Dock! For those seeking a Sophisticated Boating Lifestyle, Stunning Panoramic Water Views, No HOA, and a Custom Home that lives like a Private Resort, 818 Nancy Gamble Lane stands out as a Rare Opportunity on the Manatee River.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

4,282

Sqft

0.52 ac

Lot size

3

Garage

1977

Year built

Two

Levels

$514

Per sqft

Private poolWaterfrontFireplacePool & Water viewPets allowed

Inside

FlooringEngineered Hardwood · Tile
AppliancesDishwasher · Disposal · Dryer · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · HardiPlank Type · Wood Frame
FoundationSlab
ViewPool · Water
FacesNorth
ParkingCovered · Garage Door Opener · Ground Level · Off Street · Open · Oversized · RV Parking · Tandem
ExteriorBalcony · Fire Pit · French Doors · Hurricane Shutters · Irrigation System · Lighting · Other · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Private Entrance · Private Mailbox · Private Yard · Rain Gutters · RV Hookup · Sidewalk · Sliding Doors · Storage

Community & fees

Taxes (2025)$14,468/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

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

$14,062 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$11,871
PMI (est., until 20% equity)$825
Property tax — 2025 actual bill$1,206
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $220,000Loan30-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% · $220,000
Interest rate6.00%
Loan term

Estimated payment

$14,062/mo

Principal & interest$11,871
PMI (est., until 20% equity)$825
Property taxes (actual bill)$1,206
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 Ellenton

Map of 818 NANCY GAMBLE LANE

Drive times from this address

Downtown Tampa43 min
Tampa Int’l Airport (TPA)53 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Ellenton. See the full Ellenton guide →

ELLENTON 34222 — neighborhood snapshot

Population

14,529

Median age

55.7

Median income

$66,105

Median home value

$194,300

Avg household

2.34

Households w/ children

1,253

For the school run

Manatee County School District

ElementaryJames Tillman Elementary Magnet School★★★★★
MiddleLincoln Memorial Middle School★★★★
HighPalmetto High School★★★★★

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

The numbers that matter

The Ellenton market

Seller’s marketBalanced5.5 months of inventoryBuyer’s market

$329K$415K

Ellenton median sold, yr/yr

94.4%

Sale-to-list ratio (12 mo)

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

This home is listed 798% above the ELLENTON 34222 median. See the full Ellenton market guide →

Paper trail

This home's history

Jun 30, 2026Listed at $2,200,000 · 24 days on market since
1977Built · GAMBLE PLANTATION SHORES

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 818 NANCY GAMBLE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 818 NANCY GAMBLE LANE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

818 NANCY GAMBLE LANE FAQs

What would the monthly payment be for 818 NANCY GAMBLE LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,062/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 818 NANCY GAMBLE LANE?+

The most recent tax bill on record (2025) was $14,468. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 818 NANCY GAMBLE LANE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Ellenton?+

At $2,200,000, this home is listed about 730% above the Ellenton median of $265,000. The market section on this page shows how the area is trending.

Which schools are assigned to 818 NANCY GAMBLE LANE?+

James Tillman Elementary Magnet School (elementary), Lincoln Memorial Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of PREFERRED SHORE LLC · Jeremy Egglefield. MLS #A4665629.

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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