
604 POINSETTIA AVENUE, ELLENTON, FL, 34222
Active67 days on marketListed Jun 4, 2026MLS #A4695807
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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,060/mo
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.
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
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ellenton. See the full Ellenton guide →
The numbers that matter
The Ellenton 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
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.
Sold · Jan ’26$361,000
306 36TH STREET NE
4 bd · 3.5 ba · 2,936 sqft · $123/sqft · 86 DOM
Sold · Jan ’26$285,000
222 22ND STREET E
4 bd · 2 ba · 2,666 sqft · $107/sqft · 0 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 604 POINSETTIA AVENUE — start here.

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.
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.
Never miss a listing
New Ellenton homes, in your inbox
Like 604 POINSETTIA AVENUE but not quite? A daily digest of every new listing in Ellenton — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →
