4603 TROUT RIVER CROSSING, ELLENTON, FL, 34222
Active11 days on marketListed Jul 13, 2026MLS #A4699530
About this home
4603 TROUT RIVER CROSSING
Virtually Staged. Solid Covered Bridge Home with a Newer Roof – Ready for Your Cosmetic Touch! Built in 2005, this single-story 3-bedroom, 2-bath home sits on a 7,579 sq ft lot in the desirable Covered Bridge community. With a newer roof already in place, much of the heavy lifting is done — this one mainly needs updating, making it a great opportunity to add your own style and build equity fast. A practical one-story layout offers comfortable living space for a family or downsizer. Bring your design ideas for paint, flooring, and finishes to make this home shine. Covered Bridge residents enjoy a community pool, tennis courts, playground, and a clubhouse with fitness room — all for an HOA of only $67/month, with NO CDD fees. Conveniently located near the Ellenton Outlet Mall, I-75, and US 301, with an easy commute to Bradenton/Sarasota or Tampa/St. Pete. A newer roof replaced in May of 2025 and a great location make this one worth a look.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,996
Sqft
0.17 ac
Lot size
2
Garage
2005
Year built
One
Levels
$175
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 and the real association fee — not generic estimates.
$2,855 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,855/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−4.2%
$/sqft vs Ellenton actives
$175 vs $183
Days on market
11 vs 68 typical
Where $175/sqft sits among the 96 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 Covered Bridge Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ellenton. See the full Ellenton guide →
Covered Bridge Estates — neighborhood snapshot
Population
2,874
Median age
38
Median income
$96,921
Median home value
$403,538
Avg household
3
Households w/ children
323
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ellenton market
$329K → $415K
Ellenton median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
45 of 96
Ellenton actives have cut their price
Median sold price, Ellenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% above the ELLENTON 34222 median. See the full Ellenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 4603 TROUT RIVER CROSSING
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$415,000
4820 TROUT RIVER CROSSING · same community
3 bd · 2 ba · 2,035 sqft · $204/sqft · 47 DOM
Sold · Dec ’25$459,000
4745 TROUT RIVER CROSSING · same community
3 bd · 2 ba · 2,035 sqft · $226/sqft · 143 DOM
Sold · Jun ’26$370,000
4247 DAY BRIDGE PLACE · same community
4 bd · 2 ba · 1,665 sqft · $222/sqft · 106 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 4603 TROUT RIVER CROSSING — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4603 TROUT RIVER CROSSING — 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
4603 TROUT RIVER CROSSING FAQs
What would the monthly payment be for 4603 TROUT RIVER CROSSING?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,855/mo — principal and interest, the actual property-tax bill, the $90/mo association fee 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.
How much are the HOA fees at 4603 TROUT RIVER CROSSING?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4603 TROUT RIVER CROSSING?+
The most recent tax bill on record (2025) was $4,680. 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 4603 TROUT RIVER CROSSING?+
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 $350,000, this home is listed about 32% above the Ellenton median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4603 TROUT RIVER CROSSING?+
Virgil Mills Elementary School (elementary), Buffalo Creek Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Kathy Valente. MLS #A4699530.
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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