David Ramirez
$1,275,000$1,490,0003 bd3.5 ba3,323 sqft$384 /sqft$8,060 /mo all-in ↓

604 POINSETTIA AVENUE, ELLENTON, FL, 34222

Active67 days on marketListed Jun 4, 2026MLS #A4695807

Reduced $215KWaterfrontPrivate poolSingle Family ResidenceTROPICAL HARBOR SEC 1

About this home

604 POINSETTIA AVENUE

Big Water. Big Views. Completely Turnkey on the Manatee River. Tucked at the end of a quiet cul-de-sac in the sought-after waterfront community of Tropical Harbor, this Ellenton stunner delivers some of the widest, most expansive open-water views on the Manatee River. With direct access to both the river and the Intracoastal, it's a rare find for boaters, anglers, and anyone who craves life on the water, and it comes fully furnished and ready to enjoy from day one. Step outside to your private resort-style retreat. A heated pool with a cascading waterfall feature, all wrapped in a screened cage with three-quarters of the screening freshly replaced. The brand-new pool pump and heater (2024) mean year-round enjoyment, while the spacious paver pool deck sets the stage for sunset gatherings over the water. Your private dock is a boater's dream, featuring two lifts, all-new wood decking, and both water and power on-site. The seawall cap, replaced in 2010, remains in mint condition. Inside, no detail has been overlooked. The home has been thoughtfully and extensively updated, including updated PGT impact windows and sliders for peace of mind and energy efficiency. Brand new 3 & 5 ton Trane HVAC systems with all-new ductwork were installed in 2024, and the roof was replaced in 2020. Fresh interior paint (2025) and updated exterior paint (2019) keep the home crisp and move-in ready. The interior shines with elegant plantation shutters throughout the bedrooms, updated stainless steel appliances, and beautifully remodeled spaces, the luxurious primary ensuite bath, the guest bathroom, and the laundry room were all renovated in 2025. Best of all, this home conveys fully furnished and turnkey, right down to a new garage refrigerator. Parking and storage are abundant, with a one-car attached garage plus a two-car carport addition (built 2020) that comfortably fits two SUVs. A brick paver driveway, added in 2020, elevates the curb appeal, while smart improvements like a French drain for added flood protection and insulated crawlspaces give you confidence in every season. From the major-ticket updates to the thoughtful finishing touches, this is a home where the work has already been done, all that's left is to bring your boat(s), your sunscreen, and your sense of adventure. Homes with this combination of premium open-water views, a private dock with direct river and Intracoastal access, extensive modern upgrades, and a coveted cul-de-sac location simply don't come along often. Properties like this in Tropical Harbor are truly one of a kind. Come experience the very best of Manatee River living. Schedule your private showing today before this exceptional opportunity slips away.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

3,323

Sqft

0.31 ac

Lot size

1

Garage

1964

Year built

One

Levels

$384

Per sqft

Private poolWaterfrontPool & Water viewTurnkeyPets allowed

Inside

FlooringCeramic Tile · Engineered Hardwood
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Split Bedroom
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedTurnkey

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesNorth
ParkingBoat · Covered · Driveway · Guest
ExteriorIrrigation System · Sliding Doors

Community & fees

Taxes (2025)$6,510/yr
PetsYes
CommunityFishing · River · Water Access · Waterfront · None

Utilities & systems

UtilitiesPublic
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.

$8,060 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,880
PMI (est., until 20% equity)$478
Property tax — 2025 actual bill$543
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $127,500Loan30-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% · $127,500
Interest rate6.00%
Loan term

Estimated payment

$8,060/mo

Principal & interest$6,880
PMI (est., until 20% equity)$478
Property taxes (actual bill)$543
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 $1.3M
$924KedgeAI estimate $1,376,472 · range $963K$1.6M$1.7M

vs edgeAI estimate

−7.4%

$/sqft vs Ellenton actives

$384 vs $176

Days on market

67 vs 51 typical

Where $384/sqft sits among the 87 Ellenton actives

36
27
14
4
1
5 · this home
$124–167$167–210$210–254$254–297$297–340$340+

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 604 POINSETTIA AVENUE

Drive times from this address

Downtown Tampa43 min
Tampa Int’l Airport (TPA)54 min

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

Get to know Ellenton. See the full Ellenton guide →

The numbers that matter

The Ellenton market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$305K$215K

Ellenton median sold, yr/yr

94.0%

Sale-to-list ratio (12 mo)

45 of 87

Ellenton actives have cut their price

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

This home is listed 371% above the Ellenton median. See the full Ellenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,275,000 $215K
Jun 4, 2026Listed at $1,490,000 · 67 days on market since
1964Built · TROPICAL HARBOR SEC 1

Reality check

What actually sold near 604 POINSETTIA AVENUE

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

306 36TH STREET NESold · Jan ’26

$361,000

306 36TH STREET NE

4 bd · 3.5 ba · 2,936 sqft · $123/sqft · 86 DOM

222 22ND STREET ESold · Jan ’26

$285,000

222 22ND STREET E

4 bd · 2 ba · 2,666 sqft · $107/sqft · 0 DOM

4615 SHARK DRIVESold · Sep ’25

$1,170,000

4615 SHARK DRIVE

4 bd · 3 ba · 2,550 sqft · $459/sqft · 65 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 604 POINSETTIA AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 604 POINSETTIA AVENUE — 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.

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Straight answers

604 POINSETTIA AVENUE FAQs

What would the monthly payment be for 604 POINSETTIA AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,060/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 604 POINSETTIA AVENUE?+

The most recent tax bill on record (2025) was $6,510. 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 604 POINSETTIA AVENUE?+

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 $1,275,000, this home is listed about 371% above the Ellenton median of $270,450. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$1,275,000 runs 371% above the Ellenton median — but at 3,323 sqft it's also nearly twice the size of 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.

03The price has already moved

Listed at $1,490,000, now $1,275,000 — a $215K cut. The full history is in the market section below.

Listing courtesy of TIM LESTER INTERNAT'L REALTY · Tim Lester. MLS #A4695807.

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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