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$374,999

6223 ROCK CREEK CIRCLE, ELLENTON, FL 34222

3D Tour
Active33 days on market

Beds

3

Baths

2

Sq Ft

2,206 sq ft

Year Built

1999

Lot Size

0.18 acres

Garage

2

About This Property

Virtually Staged. Pond-Front Ellenton Home with 5.5% VA Assumable Loan – No CDD, Flood Zone X, 500 Sq Ft Screened Lanai Take over a 5.5% VA assumable loan on a pond-front home with no CDD, Flood Zone X, and about 70 feet of water frontage. Set in Covered Bridge Estates, 6223 Rock Creek Circle offers 3 bedrooms, 2 baths, 2,206 sq ft of living area, and 3,136 total sq ft under roof, plus roughly 500 sq ft of screened lanai that extends your living space outdoors. The home is built around light and water views. Soaring ceilings, oversized windows, and multiple sliding glass doors open the interior to the pond beyond. A true split-bedroom plan gives you two separate living areas: a formal living and dining room at the front, and a family room that opens to the kitchen and breakfast nook, where everyday life happens. The updated kitchen has new countertops, stainless steel appliances, plenty of prep space, and a large picture window over the sink facing the water. Sliders from the breakfast area lead straight to the screened lanai, so morning coffee, dinner outside, and weekend entertaining all happen with a view. The primary suite sits privately on its own side of the home. It has an oversized walk-in closet and an en-suite bath with dual vanities, a garden tub, a separate walk-in shower, and a private water closet. The two additional bedrooms and full bath are on the opposite side, which works well for guests, a home office, or quiet space. Several big-ticket items are already done: 2020 roof 2024 five-ton HVAC on a new hurricane-rated pad 2016 50-gallon water heater HOA dues are about $92 per month, with no annual CDD assessment. Flood Zone X generally means flood insurance is not federally required for most mortgages; buyers should confirm requirements with their own lender and insurance agent. Covered Bridge Estates offers a clubhouse, resort-style pool, fitness center, tennis and basketball courts, a playground, walking trails, and lakes throughout. RV storage, boat parking, and overflow parking are available for an additional fee. Community events include weekly Thursday food trucks. Quick I-75 access puts you about: 6 minutes from Ellenton Premium Outlets 10 minutes from Publix 15 minutes from Detwiler's Farm Market 25 minutes from Sarasota-Bradenton International Airport 30 minutes from downtown Sarasota 35–40 minutes from Anna Maria Island and downtown St. Petersburg, traffic depending In addition to the VA assumption opportunity, the seller's preferred lender is offering a credit toward a first-year rate buydown, subject to lender terms and buyer qualification. Schedule your private tour of 6223 Rock Creek Circle today.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8545392
StatusActive
Year Built1999
Stories1
Total Rooms5
ConstructionBlock, Stucco
RoofShingle
FoundationBlock, Slab
FacesEast
SubdivisionCOVERED BRIDGE ESTATES PH 1
CountyManatee
OwnershipFee Simple

Interior Features

InteriorEating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Split Bedroom, Vaulted Ceiling(s), Walk-In Closet(s)
FlooringLaminate, Tile
AppliancesBuilt-In Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
WindowsBlinds, Drapes, Shades
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorLighting, Private Mailbox, Private Yard, Sidewalk, Sliding Doors
Lot Size0.18 acres (7,701 sq ft)
Lot FeaturesLevel, Sidewalk
Road SurfacePaved, Asphalt
ViewWater
0

Waterfront

WaterfrontYes
FeaturesPond

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Cable Connected, Electricity Available, Electricity Connected, Public, Sewer Available, Sewer Connected, Street Lights, Underground Utilities, Water Available, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$92 / Monthly
Senior CommunityNo

Financial Details

List Price$374,999
Annual Taxes$4,221 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningRSF4.5
Parcel #746513059

Schools

ElementaryVirgil Mills Elementary
MiddleBuffalo Creek Middle
HighPalmetto High

Directions

Take Exit 224 for US-301 toward Ellenton/Palmetto. Head East on US-301 toward the Ellenton Premium Outlets. Turn Left onto 60th Ave E (just past the outlet mall area). Continue north on 60th Ave E and turn Right onto Mendoza Rd. Drive roughly 0.3 miles and turn Left at the main Covered Bridge Estates entrance onto 64th Ave E. Turn Left onto 39th Circle E.Take your first Left onto Rock Creek Circle. Follow the circle around—the home will be on your left overlooking the pond

Location

6223 ROCK CREEK CIRCLE, ELLENTON, FL 34222

Listing Information

OfficeKELLER WILLIAMS ON THE WATER S
ListedSeptember 8, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$374,999

20% ($75,000)
6.75%

Loan Term

Principal & Interest$1,946
Property Tax (est.)$344
Insurance (est.)$150
Total Monthly$2,440
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $374,999 home in ELLENTON.

🏛️

FHA Loan

$13,125 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$18,750 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Manatee County SHIP

Varies

Income-qualifying Manatee residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 11, 2026.

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