3409 61ST TERRACE E, ELLENTON, FL, 34222
Active390 days on marketListed Jun 28, 2025MLS #TB8401674
About this home
3409 61ST TERRACE E
Stunning 4-Bedroom Home on a Spring-Fed Pond with 3-Car Garage & Prime Location Welcome to this beautifully designed 4-bedroom, 3-bathroom split-plan home, perfectly situated on a serene spring-fed pond. From the moment you step through the grand entrance with striking tile inlay, you’ll be impressed by the thoughtful layout and high-end touches throughout. This spacious home offers a formal dining room, a large den/office space, and an open-concept kitchen complete with a breakfast bar, walk-in pantry (with custom pull-out drawers), and direct views of the screened in patio. The indoor laundry room and three full bathrooms, including one with direct access to the back patio, make everyday living as convenient as it is comfortable. The owner’s suite features a door to the back patio as well as a custom walk-in closet, bath tub, shower and private water closet. With additional features like natural gas, a home alarm system, and a concrete patio slab for outdoor living further elevate the lifestyle. Car enthusiasts and hobbyists will love the three-car garage, offering ample storage and functionality. Unbeatable Location: Just minutes from Ellenton Premium Outlets, Detwiler’s Farm Market, Whiskey Joe’s, Woody’s River Roo, and a wide variety of shops and restaurants. With I-75 less than two miles away, you’re a quick drive from the beautiful sands of Anna Maria Island, Siesta Key, Tampa, St. Petersburg, and some of Florida’s best beaches. This home combines elegance, functionality, and the ultimate Florida lifestyle—don’t miss your chance to make it yours!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,222
Sqft
0.16 ac
Lot size
3
Garage
2004
Year built
One
Levels
$198
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.
$3,403 /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
$3,403/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
+5.6%
Days on market
390 vs 68 typical
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 Oakley Place
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ellenton. See the full Ellenton guide →
Oakley Place — neighborhood snapshot
Population
442
Median age
32
Median income
$91,583
Median home value
$411,000
Avg household
4
Households w/ children
59%
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)
Median sold price, Ellenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 81% above the ELLENTON 34222 median. See the full Ellenton market guide →
Paper trail
This home's history
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 3409 61ST TERRACE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3409 61ST TERRACE E — 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
3409 61ST TERRACE E FAQs
What would the monthly payment be for 3409 61ST TERRACE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,403/mo — principal and interest, the actual property-tax bill, the $56/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 3409 61ST TERRACE E?+
The association fee works out to $56 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3409 61ST TERRACE E?+
The most recent tax bill on record (2024) was $4,896. 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 3409 61ST TERRACE E?+
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 $439,000, this home is listed about 66% above the Ellenton median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3409 61ST TERRACE E?+
Blackburn 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.
The brief
Four things that matter here
01Positioned at the premium end
$439,000 runs 81% above the ELLENTON 34222 median — but at 2,222 sqft it's also 53% larger than 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.
03Time on market is leverage
390 days on market against a Ellenton median of 68 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $499,000, now $439,000 — a $60K cut. The full history is in the market section below.
Listing courtesy of COASTAL PROPERTIES GROUP · Haley Schneider. MLS #TB8401674.
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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