David Ramirez
$672,000$687,0003 bd3 ba2,302 sqft$292 /sqft$4,234 /mo all-in ↓

3311 WATER STREET, ELLENTON, FL, 34222

Active128 days on marketListed Mar 29, 2026MLS #A4687949

Reduced $15KWaterfrontSingle Family ResidenceNOBLE PARK

About this home

3311 WATER STREET

AMAZING LOCATION!!! Wake up to shimmering WATER VIEWS, step onto your private dock, and be cruising toward the Gulf within minutes—this is the waterfront lifestyle buyers dream about. Impeccably maintained and completely move-in ready, this exceptional RIVERFRONT home offers an RARE opportunity to own a private slice of paradise on the coveted north side of the Manatee River. Combining luxury, freedom, and effortless access to everything the Gulf Coast has to offer, this is more than a home—it’s an EXPERIENCE!!!!! Tucked away at the end of a quiet, deep-water canal, you’ll enjoy unmatched privacy, wide-open WATER VIEWS, and breathtaking sunsets that never get old. Whether you’re entertaining guests or unwinding after a day on the water, every space is designed to make the most of this incredible setting. For boating enthusiasts, this property is a standout. A PRIVATE DOCK, raised concrete seawall, and 10,000-pound motorized boat lift provide quick, easy access to open water—no hassle, no waiting, just go. From your backyard, reach waterfront dining, sandbars, and the Gulf in as little as 15–30 minutes. Inside, the home strikes the perfect balance between comfort and sophistication. The spacious layout features three bedrooms and three bathrooms, including two large primary suites—one on each level—ideal for hosting guests or creating a private retreat. Multiple living areas, a dedicated media room, and a covered lanai offer plenty of space to relax, entertain, and enjoy the view. The kitchen is both beautiful and functional, featuring KraftMaid cabinetry with custom pullouts, granite countertops, and a conveniently located laundry and pantry area. Porcelain tile floors on the main level and rich oak hardwoods upstairs add warmth and style, while large double-pane windows flood the home with natural light. A dual-zone A/C system ensures comfort year-round. Step outside and the lifestyle continues. With direct access from the lower bedrooms to the backyard, plenty of room to entertain, and dedicated boat/RV storage with a 30-amp hookup, this property is built for how you actually want to live. And perhaps most importantly—there are no HOA, CDD, or deed restrictions. Use it as your full-time residence, your weekend escape, or capitalize on its strong income potential as a vacation rental. Opportunities like this—private, waterfront, and truly boat-ready—don’t come around often. If you’ve been waiting for the right one, THIS IS IT !!!! CALL TODAY TO SCHEDULE AN APPOINTMENT.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,302

Sqft

0.21 ac

Lot size

1965

Year built

Two

Levels

$292

Per sqft

WaterfrontNegotiable

Inside

FlooringEngineered Hardwood · Porcelain Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Split Bedroom · Thermostat · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingElectric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofMembrane · Shingle
ConstructionBlock · HardiPlank Type · Stucco · Wood Frame
FoundationSlab
FacesNorth
ParkingBoat · Driveway
ExteriorLighting · Private Mailbox · Private Yard · RV Hookup · Sliding Doors · Storage

Community & fees

Taxes (2025)$2,350/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · 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.

$4,234 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,626
PMI (est., until 20% equity)$252
Property tax — 2025 actual bill$196
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $67,200Loan30-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% · $67,200
Interest rate6.00%
Loan term

Estimated payment

$4,234/mo

Principal & interest$3,626
PMI (est., until 20% equity)$252
Property taxes (actual bill)$196
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.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $672K
$577KedgeAI estimate $616,301 · range $601K$622K$699K

vs edgeAI estimate

+9%

$/sqft vs Ellenton actives

$292 vs $182

Days on market

128 vs 45 typical

Where $292/sqft sits among the 90 Ellenton actives

33
33
14
2 · this home
2
6
$116–166$166–215$215–265$265–314$314–364$364+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Ellenton

Map of 3311 WATER STREET

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 marketLeans seller4.6 months of inventoryBuyer’s market

$305K$393K

Ellenton median sold, yr/yr

94.0%

Sale-to-list ratio (12 mo)

45 of 90

Ellenton actives have cut their price

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

This home is listed 161% above the ELLENTON 34222 median. See the full Ellenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $672,000 $15K
Mar 29, 2026Listed at $687,000 · 128 days on market since
1965Built · NOBLE PARK

Reality check

What actually sold near 3311 WATER STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3307 WATER STREETSold · Apr ’26

$355,000

3307 WATER STREET · same community

3 bd · 2 ba · 1,392 sqft · $255/sqft · 4 DOM

111 41ST STREET NESold · Jul ’26

$678,000

111 41ST STREET NE

4 bd · 2 ba · 2,271 sqft · $299/sqft · 66 DOM

4116 4TH AVENUE NESold · Feb ’26

$745,000

4116 4TH AVENUE NE

3 bd · 2.5 ba · 2,388 sqft · $312/sqft · 260 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

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 3311 WATER STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3311 WATER STREET — before you fall in love.

See it in person

Schedule a tour

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Straight answers

3311 WATER STREET FAQs

What would the monthly payment be for 3311 WATER STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,234/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 3311 WATER STREET?+

The most recent tax bill on record (2025) was $2,350. 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 Ellenton?+

At $672,000, this home is listed about 124% above the Ellenton median of $300,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3311 WATER STREET?+

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.

The brief

Four things that matter here

01Positioned at the premium end

$672,000 runs 161% above the ELLENTON 34222 median — but at 2,302 sqft it's also 51% larger than the typical Ellenton 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

128 days on market against a Ellenton median of 45 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $687,000, now $672,000 — a $15K cut. The full history is in the market section below.

Listing courtesy of WAGNER REALTY · Jill Perfetto. MLS #A4687949.

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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