6305 ROCK CREEK CIRCLE, ELLENTON, FL, 34222
Active20 days on marketListed Jul 13, 2026MLS #A4699539
About this home
6305 ROCK CREEK CIRCLE
Virtually Staged. Lakefront Opportunity – Built in 2000, this 4-bedroom, 2-bath split floor plan home offers lake views from nearly every room and is ready for your updates. Roof replaced in May of 2025. Bring your vision (and a contractor) and unlock serious value in the desirable Covered Bridge community. The layout offers great bones: a spacious primary suite with his & hers walk-in closets, a combined formal living/dining area with high ceilings and natural light, and a family room with a fireplace open to the kitchen. The breakfast nook seats a full table plus bar stools at the counter, with sliding doors out to the screened lanai overlooking the lake. Kitchen and baths are ready for a refresh, and some mechanical systems may need attention — priced accordingly for buyers looking to build instant equity. Inside laundry room, garage with built-in shelving, and plenty of room to add a pool round out the lot. Covered Bridge offers a community pool, tennis courts, playground, and a clubhouse with fitness room — all for an HOA of only $67/month, with NO CDD fees. Minutes to the Ellenton Outlet Mall, I-75, and US 301, with an easy commute to Bradenton/Sarasota or Tampa/St. Pete. A rare chance to own on the lake at a price that leaves room to make it your own. Roof replaced in May of 2025.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,262
Sqft
0.18 ac
Lot size
2
Garage
2000
Year built
One
Levels
$166
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.
$3,033 /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
$3,033/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
−4.7%
$/sqft vs Ellenton actives
$166 vs $183
Days on market
20 vs 68 typical
Where $166/sqft sits among the 89 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)
47 of 89
Ellenton actives have cut their price
Median sold price, Ellenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% above the ELLENTON 34222 median. See the full Ellenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 6305 ROCK CREEK CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$370,000
4907 WEDGELEAF WAY
4 bd · 2.5 ba · 2,252 sqft · $164/sqft · 85 DOM
Sold · Apr ’26$432,000
6106 34TH COURT E
4 bd · 3 ba · 2,289 sqft · $189/sqft · 122 DOM
Sold · Nov ’25$475,000
2926 61ST DRIVE E
3 bd · 3 ba · 2,228 sqft · $213/sqft · 168 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 6305 ROCK CREEK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6305 ROCK CREEK CIRCLE — 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
6305 ROCK CREEK CIRCLE FAQs
What would the monthly payment be for 6305 ROCK CREEK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,033/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 6305 ROCK CREEK CIRCLE?+
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 6305 ROCK CREEK CIRCLE?+
The most recent tax bill on record (2025) was $4,910. 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 6305 ROCK CREEK CIRCLE?+
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 $375,000, this home is listed about 42% above the Ellenton median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6305 ROCK CREEK CIRCLE?+
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 #A4699539.
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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