6223 ROCK CREEK CIRCLE, ELLENTON, FL, 34222
Active104 days on marketListed Apr 22, 2026MLS #TB8497812
About this home
6223 ROCK CREEK CIRCLE
BEST VALUE in Covered Bridge! $174 Per Square Foot. Waterfront! Move In Ready! Modern Kitchen & Bathrooms! Tall Ceilings. True Split Floor Plan. This is the kind of home that feels good the moment you walk in. Soaring ceilings, oversized windows, and expansive sliders fill the home with natural light, creating a bright, open atmosphere. This 3-bedroom, 2-bathroom, 2,206 sq ft SPLIT FLOOR PLAN offers the privacy buyers want with spacious living areas designed for both everyday comfort and effortless entertaining. Whether you need space for guests, a home office, or simply room to spread out, this layout delivers. The spacious primary suite is a private retreat featuring SOARING CEILINGS, OVERSIZED SLIDERS, abundant natural light, a ENORMOUS WALK-IN CLOSET, and an en-suite bath with dual vanities, a garden tub, walk-in shower, and private water closet. On the opposite side of the home, two guest bedrooms and a full bathroom provide excellent separation for family, visitors, or a quiet workspace. The OVERSIZED 500 sq ft ENCLOSED LANAI is where this home truly shines. Overlooking peaceful water views, it becomes a natural extension of the living space—perfect for morning coffee, evening dinners, entertaining, or simply relaxing. Multiple sliding glass doors create seamless indoor-outdoor living. Soaring ceilings, open sight-lines, and generous room sizes enhance the spacious feel throughout the home. The updated kitchen features new countertops, bright finishes, and a functional galley layout with room for multiple cooks. A large picture window over the sink frames tranquil water views, while sliding doors from the breakfast area provide easy access to the lanai for outdoor dining. Major updates include a NEWER 2020 ROOF and a NEWER 2024 5-ton HVAC system installed on a NEW 40x40 hurricane-rated pad. Located in sought-after Covered Bridge Estates, residents enjoy a CLUBHOUSE, resort-style POOL, FITNESS CENTER, TENNIS COURTS, basketball court, playground, scenic walking trails, and tranquil lakes throughout the community. Weekly Thursday food trucks and community events foster a true neighborhood feel, and BEST PART - RV or BOAT PARKING AVAILABLE!!!! Conveniently located just 10 minutes from Publix, Detwiler's Farm Market, restaurants, and shopping, with Ellenton Premium Outlets only 6 minutes away. Outdoor enthusiasts will appreciate nearby parks, preserves, kayaking, and nature trails, while Gulf Coast beaches are just a short drive. Sarasota-Bradenton International Airport is approximately 20 minutes away, and both downtown Sarasota and downtown St. Petersburg are within about 30 minutes, offering exceptional dining, museums, entertainment, and waterfront attractions. Inquire about VA assumable loan potentially available. If buyer uses the sellers preferred lender, the lender will pay for a 1% rate buydown for the first year! Don't wait for new construction, move in now and get the best value in Covered Bridge!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,206
Sqft
0.18 ac
Lot size
2
Garage
1999
Year built
One
Levels
$174
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.
$3,040 /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
$3,040/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
−2.6%
$/sqft vs Ellenton actives
$174 vs $183
Days on market
104 vs 45 typical
Where $174/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
$305K → $393K
Ellenton median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
46 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 55% above the ELLENTON 34222 median. See the full Ellenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 6223 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 · Nov ’25$475,000
2926 61ST DRIVE E
3 bd · 3 ba · 2,228 sqft · $213/sqft · 168 DOM
Sold · Feb ’26$370,000
5912 30TH COURT E
3 bd · 2 ba · 2,158 sqft · $171/sqft · 165 DOM
Sold · Jan ’26$365,000
6107 25TH STREET E
4 bd · 3.5 ba · 2,412 sqft · $151/sqft · 140 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 6223 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 6223 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
6223 ROCK CREEK CIRCLE FAQs
What would the monthly payment be for 6223 ROCK CREEK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,040/mo — principal and interest, the actual property-tax bill, the $92/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 6223 ROCK CREEK CIRCLE?+
The association fee works out to $92 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6223 ROCK CREEK CIRCLE?+
The most recent tax bill on record (2025) was $4,221. 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 6223 ROCK CREEK CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $384,900, this home is listed about 28% above the Ellenton median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6223 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.
The brief
Four things that matter here
01Positioned at the premium end
$384,900 runs 55% above the ELLENTON 34222 median — but at 2,206 sqft it's also 45% 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
104 days on market against a Ellenton median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $399,990, now $384,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Julia Arnold. MLS #TB8497812.
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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