CENTURY 21 Edge
$239,900$247,9002 bd2 ba1,404 sqft$171 /sqft≈$2,049 /mo all-in ↓

78 EAGLE CIRCLE, ELLENTON, FL, 34222

Active90 days on marketListed Aug 9, 2026MLS #A4702483

✦ Reduced $8KManufactured HomeRIDGEWOOD OAKS PH II & III

Come see it

Upcoming open house

Sat, Nov 7

1:00 PM – 3:00 PM

About this home

78 EAGLE CIRCLE

Like Living on a Cruise Ship! This amazing LAND OWNED, 2-bedroom, 2-bath manufactured home is located on a pristine lake with total water views from the living room and large Lani. The home is in the desirable gated 55+ community of Ridgewood Oaks which features 24-hour gated security for peace of mind. Entering the home, you will notice the rare, beautiful wood flooring throughout the home. An open kitchen with a large dining area, rich cabinetry and also has a laundry area with the indoor washer/dryer. Both bedrooms have walk-in closets and two full bathrooms provide plenty of room for guests and visitors. Enjoy peaceful water views and a relaxed Florida lifestyle in this welcoming, amenity-rich community Ridgewood Oaks offers an active and social lifestyle with something for everyone. Residents enjoy a community pool, shuffleboard, pickleball courts, tennis courts, open recreation area, clubhouse, numerous activities and events. Spectrum cable and internet are included in the low HOA/Condo fees. The community is also golf-cart friendly small pet friendly, making it easy to get around and enjoy everything the neighborhood has to offer. Whether you’re looking for a seasonal getaway or a comfortable year-round residence, this home offers the perfect combination of water views, comfort, security, and an active 55+ community lifestyle. Come see why this home is the perfect place to enjoy your next chapter!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,404

Sqft

0.12 ac

Lot size

1987

Year built

One

Levels

$171

Per sqft

55+ community

Inside

FlooringHardwood
AppliancesDishwasher · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s)
LaundryElectric Dryer Hookup · Washer Hookup
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionVinyl Siding
FoundationCrawlspace
FacesNorth
ExteriorRain Gutters

Community & fees

HOA fee$35/mo
Taxes (2025)$1,215/yr
PetsBreed Restrictions, Cats OK, Dogs OK, Number Limit
CommunityFishing · Buyer Approval Required · Clubhouse · Gated Community - Guard · Golf Carts OK · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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.

$2,049 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$1,647
FHA mortgage insurance (est.)$106
Property tax — 2025 actual bill$101
HOA fee — from the listing$35
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,397Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,397
Interest rate7.50%
Loan term

Estimated payment

$2,049/mo

Principal & interest$1,647
FHA mortgage insurance (est.)$106
Property taxes (actual bill)$101
HOA / condo fee$35
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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 $240K
$160KedgeAI estimate $185,316 · range $167K–$203K$249K

vs edgeAI estimate

+29.5%

$/sqft vs Ellenton actives

$171 vs $173

Days on market

90 vs 77 typical

Where $171/sqft sits among the 94 Ellenton actives

22
31 · this home
19
13
2
7
$112–146$146–180$180–213$213–247$247–281$281+

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 Ridgewood Meadows

Drive times from this address

Downtown Tampa≈ 43 min
Tampa Int’l Airport (TPA)≈ 54 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Ellenton. See the full Ellenton guide →

Ridgewood Meadows — neighborhood snapshot

Population

828

Median age

77

Median income

$52,565

Median home value

$179,700

Avg household

2

For the school run

Manatee County School District

ElementaryBlackburn Elementary School★★★★★
MiddleBuffalo Creek Middle School★★★★★
HighPalmetto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ellenton market

Seller’s marketBalanced — 6.8 months of inventoryBuyer’s market

$235K → $355K

Ellenton median sold, yr/yr

93.3%

Sale-to-list ratio (12 mo)

46 of 94

Ellenton actives have cut their price

Median sold price, Ellenton, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 9% above the ELLENTON 34222 median. See the full Ellenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $239,900 ▼ $8K
Aug 9, 2026Listed at $247,900 · 90 days on market since
1987Built · RIDGEWOOD OAKS PH II & III

Reality check

What actually sold near 78 EAGLE CIRCLE

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

90 WHIPPORWILL COURTSold · Jul ’26

$215,000

90 WHIPPORWILL COURT · same community

3 bd · 2 ba · 1,439 sqft · $149/sqft · 175 DOM

73 WHIPPORWILL COURTSold · Sep ’26

$205,000

73 WHIPPORWILL COURT · same community

2 bd · 2 ba · 1,350 sqft · $152/sqft · 176 DOM

76 EAGLE CIRCLESold · Apr ’26

$125,000

76 EAGLE CIRCLE · same community

2 bd · 2 ba · 1,296 sqft · $96/sqft · 40 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 78 EAGLE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 78 EAGLE CIRCLE — before you fall in love.

See it in person

Schedule a tour

Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

78 EAGLE CIRCLE FAQs

What would the monthly payment be for 78 EAGLE CIRCLE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,049/mo — principal and interest, the actual property-tax bill, the $35/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 78 EAGLE CIRCLE?+

The association fee works out to $35 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 78 EAGLE CIRCLE?+

The most recent tax bill on record (2025) was $1,215. 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 78 EAGLE CIRCLE?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit. 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 $239,900, this home is priced right at the Ellenton median.

Which schools are assigned to 78 EAGLE CIRCLE?+

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.

Listing courtesy of LARU BEYA REAL ESTATE COMPANY INC · Joseph Pickett. MLS #A4702483.

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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