David Ramirez
$825,0004 bd4 ba1,918 sqft$430 /sqft$5,171 /mo all-in ↓

332 SHORE DRIVE, ELLENTON, FL, 34222

Active34 days on marketListed Jun 17, 2026MLS #A4696752

WaterfrontPrivate poolSingle Family ResidenceHIGHLAND SHORES SECOND UNIT

About this home

332 SHORE DRIVE

Welcome to waterfront living in Highland Shores, where boating, relaxation, and modern comfort come together. Perfectly positioned on a canal with access to the Manatee River, this beautifully renovated 4-bedroom, 4-bath residence offers the quintessential Florida lifestyle with room to spread out both inside and out. Situated on an expansive .44-acre lot with no HOA, the property is ideal for those who love life on the water. In addition to its waterfront setting, the property features extended parking with RV hookup, providing plenty of space for your recreational vehicles, boat trailer & outdoor toys. Spend your days exploring the river, fishing from your backyard, enjoying sunset cruises, or launching from the community boat ramp just moments away. Inside, the home has been thoughtfully transformed with stylish, modern finishes throughout. The heart of the home is the stunning chef-inspired kitchen, featuring an impressive 5' x 12' quartz island accented with gray cabinetry, contrasting white shaker cabinets with soft-close doors and drawers, and a sleek stainless-steel range hood that creates a striking focal point. Wood-look plank ceramic tile flooring flows throughout the living areas, while crown molding adds an elegant finishing touch. The beautifully renovated bathrooms, updated interior doors, newer windows, 2019 roof, dual A/C systems (2018 & 2020) & water heater 2025 further enhance the home's move-in-ready appeal. At the center of the home is a rare indoor pool, offering year-round enjoyment and a private resort-style atmosphere. All three bedrooms feature sliding glass doors that open directly to the pool area, creating a unique & inviting retreat just steps from your bedroom. Adding exceptional flexibility, one bedroom and bathroom with its own private entrance providing the perfect space for guests, extended family, a home office, or a quiet retreat. Whether you're an avid boater, an entertainer at heart, or simply searching for a peaceful waterfront escape, this exceptional Highland Shores property offers a rare opportunity to enjoy the best of Florida living with modern updates, generous outdoor space, and direct access to the boating lifestyle you've been dreaming of.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

1,918

Sqft

0.44 ac

Lot size

2

Garage

1973

Year built

One

Levels

$430

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringCeramic Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Solid Surface Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationBlock
ViewWater
FacesWest
ParkingDriveway · Garage Door Opener · RV Parking
ExteriorPrivate Yard · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$2,999/yr
PetsYes
CommunityPrivate Boat Ramp

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.

$5,171 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,452
PMI (est., until 20% equity)$309
Property tax — 2025 actual bill$250
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $82,500Loan30-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% · $82,500
Interest rate6.00%
Loan term

Estimated payment

$5,171/mo

Principal & interest$4,452
PMI (est., until 20% equity)$309
Property taxes (actual bill)$250
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.

$/sqft vs Ellenton actives

$430 vs $181

Days on market

34 vs 68 typical

Where $430/sqft sits among the 99 Ellenton actives

34
40
13
5
1
6 · this home
$111–164$164–217$217–270$270–324$324–377$377+

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 Highland Shores

Map of 332 SHORE DRIVE inside its neighborhood boundary

Get to know Ellenton. See the full Ellenton guide →

Highland Shores — neighborhood snapshot

Population

630

Median age

39

Median income

$80,778

Median home value

$574,500

Avg household

3

Households w/ children

83%

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)

44 of 99

Ellenton actives have cut their price

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

This home is listed 237% above the ELLENTON 34222 median. See the full Ellenton market guide →

Paper trail

This home's history

Jun 17, 2026Listed at $825,000 · 34 days on market since
1973Built · HIGHLAND SHORES SECOND UNIT

Reality check

What actually sold near 332 SHORE DRIVE

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

355 SHORE DRIVESold · Feb ’26

$965,000

355 SHORE DRIVE · same community

3 bd · 2 ba · 2,090 sqft · $462/sqft · 161 DOM

342 SHORE DRIVESold · Apr ’26

$525,000

342 SHORE DRIVE · same community

3 bd · 2 ba · 1,525 sqft · $344/sqft · 8 DOM

3615 5TH AVENUE NESold · Apr ’26

$820,000

3615 5TH AVENUE NE

3 bd · 2 ba · 1,956 sqft · $419/sqft · 5 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 332 SHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 332 SHORE DRIVE — 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

332 SHORE DRIVE FAQs

What would the monthly payment be for 332 SHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,171/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 332 SHORE DRIVE?+

The most recent tax bill on record (2025) was $2,999. 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 332 SHORE DRIVE?+

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 $825,000, this home is listed about 211% above the Ellenton median of $265,000. The market section on this page shows how the area is trending.

Which schools are assigned to 332 SHORE DRIVE?+

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 COLDWELL BANKER REALTY · Ariel Sarmiento, LLC. MLS #A4696752.

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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