David Ramirez
$569,0003 bd2 ba1,650 sqft$345 /sqft$3,922 /mo all-in ↓

712 POINSETTIA AVENUE, ELLENTON, FL, 34222

Active7 days on marketListed Aug 3, 2026MLS #A4701176

WaterfrontSingle Family ResidenceTROPICAL HARBOR SEC 1

About this home

712 POINSETTIA AVENUE

I must say... "Cute as a button", and so much more! Have you ever heard the saying?... "Sometimes less is more". Well, that statement may be very fitting for this property. When looking for that home on the water with a dock, boat lift, and access to the big water, not everyone needs a home that's mega-sized, multi-story, and extreme maintenance, with sky-high costs. Some would just like to find a nice, humble home, ready to move in to, and have their own dock and lift out back w/o spending millions of dollars. A place that's modest size and great condition so that your weekends are spent out on the water enjoying the Florida lifestyle and not stuck repairing a home! You know, that's what you're looking for, but you didn't think it existed at this price! Well, it does, and this is it! An amazingly nice, split bedroom home that was re-done with great taste using great colors, lighting, flooring, accents and more. The primary bedroom is quite large, boasting surprisingly large closet space too. A beautiful kitchen that needs no explanation as you look at the pictures, it speaks for itself. This completely updated gem consists of 3 bedrooms, 2 full baths, and a large open family room/dining area. A/C 2020 (recent service 7-26), Roof 2019, Electric panel, 2018, and re-piped 2018. French doors open up to the back deck patio offering a perfect spot to unwind in the evening. Also, you can't help having a great feeling knowing the dock, seawall, 10,000 lb. lift, canopy and electrics have been recently upgraded, leaving you one less thing to worry about. Now, there may be things you'll "want" to do here, but there isn't much you'll "need" to do. It's ready to move into! Maybe you'll want a screen enclosure off the back! Maybe a detached garage or carport added! That's understandable and the best part is that there is room for those ideas. But for now, there is still a large, paved area out back for the guests or multi vehicle parking, trailer etc. Listed next are the upgrades and dates to boat lift, dock, walkway, controls, canopy, seawall panels, cap etc. 09/03/2019 - New sheet panels on front of seawall, poured new seawall cap 40ft on South side. 02/27/2020 - Installed a new 6’x24’ dock walkway. 01/28/2026 - New sheet panels on front of seawall, poured new seawall cap 40ft on North side. 04/14/2026 - Installed NEW as follows... cradle beams, pulleys, motors, cables, remote control panel w/remote for lift, and installed new dock walkway alongside boat lift. 05/30/2026 -    Replacement of coastline frame canopy cover. I could keep writing and make you read more, but you might think this can't be real. Well, if you schedule a showing and come see this in person, you'll know it's real and you won't be disappointed. Only one will get it, will it be you? Thanks for looking! P.S. The reason you see pictures of a boat is because this boat was on the lift out back so it shows the length and size of the lift capability. The boat is not included with the house but is listed for sale with a separate broker and can be purchased. Any interest can be brought to the listing agent who can get you specs and can direct you to the listing broker. 2016 Formula FASTech 353 - Twin 520HP big blocks. 200hrs.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,650

Sqft

0.21 ac

Lot size

1958

Year built

One

Levels

$345

Per sqft

WaterfrontWater view

Inside

FlooringCeramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Walk-In Closet(s)
LaundryIn Kitchen · Inside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewWater
FacesWest
ParkingBoat · Driveway · Open · Oversized · Parking Pad
ExteriorLighting · Rain Gutters · Storage

Community & fees

Taxes (2025)$5,738/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Public · Sewer Connected · Street Lights
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.

$3,922 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,070
PMI (est., until 20% equity)$213
Property tax — 2025 actual bill$478
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $56,900Loan30-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% · $56,900
Interest rate6.00%
Loan term

Estimated payment

$3,922/mo

Principal & interest$3,070
PMI (est., until 20% equity)$213
Property taxes (actual bill)$478
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 $569K
$347KedgeAI estimate $401,420 · range $362K$468K$592K

vs edgeAI estimate

+41.7%

$/sqft vs Ellenton actives

$345 vs $176

Days on market

7 vs 51 typical

Where $345/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 712 POINSETTIA AVENUE

Drive times from this address

Downtown Tampa42 min
Tampa Int’l Airport (TPA)53 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)

46 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 110% above the Ellenton median. See the full Ellenton market guide →

Paper trail

This home's history

Aug 3, 2026Listed at $569,000 · 7 days on market since
1958Built · TROPICAL HARBOR SEC 1

Reality check

What actually sold near 712 POINSETTIA AVENUE

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

191 AMERICAS CUP BOULEVARDSold · Jul ’26

$640,000

191 AMERICAS CUP BOULEVARD

2 bd · 2 ba · 1,653 sqft · $387/sqft · 133 DOM

183 AMERICAS CUP BOULEVARDSold · Dec ’25

$490,000

183 AMERICAS CUP BOULEVARD

3 bd · 2 ba · 1,659 sqft · $295/sqft · 48 DOM

3912 4TH AVENUE NESold · Jul ’26

$499,000

3912 4TH AVENUE NE

3 bd · 2 ba · 1,681 sqft · $297/sqft · 158 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 712 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 712 POINSETTIA AVENUE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

712 POINSETTIA AVENUE FAQs

What would the monthly payment be for 712 POINSETTIA AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,922/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 712 POINSETTIA AVENUE?+

The most recent tax bill on record (2025) was $5,738. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Ellenton?+

At $569,000, this home is listed about 110% 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

$569,000 runs 110% above the Ellenton median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 7 days on market in a Ellenton market that averages 51 — if it fits, move quickly.

Listing courtesy of BRIGHT REALTY · Eric Dammann. MLS #A4701176.

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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