
3129 61ST TERRACE E, ELLENTON, FL, 34222
Active70 days on marketListed Aug 29, 2026MLS #A4704464
About this home
3129 61ST TERRACE E
**$20,000 SELLER CREDIT TOWARD AN INTEREST RATE BUYDOWN PLUS YOUR CHOICE OF A 1-YEAR WHOLE-HOME WARRANTY OR 1 YEAR OF HOA DUES PAID! OFFER VALID THROUGH NOVEMBER 15, 2026!** Nearly new construction without the builder-basic interior. Built in 2024 and extensively customized after construction, this 3-bedroom, 2-bath home features custom built-ins, architectural woodwork, upgraded lighting and thoughtfully designed storage throughout. At the garage entrance, a floor-to-ceiling custom drop station with integrated lighting provides everyday storage. Just off the foyer, the dedicated home office features wall-to-wall custom shelving and a solid wood built-in desk—creating a true workspace without sacrificing a bedroom. The kitchen features quartz countertops, soft-close cabinetry, brass hardware, herringbone tile, pendant lighting, above- and below-cabinet illumination and custom floating wood details. The open kitchen, dining and living areas overlook the preserve through sliding glass doors. The living room is anchored by a custom feature wall with vertical woodwork, floating cabinetry and built-in storage. The primary suite includes a custom floating makeup vanity and fully built-out walk-in closet. The ensuite bath offers dual quartz vanities, organic mirrors and recessed dark-stained floating shelves. The guest bath features a custom floating waterfall-quartz vanity, slatted wood detailing and gold fixtures. Outside, enjoy a private preserve view with privacy fencing along the sides and iron fencing across the rear, plus ample room for a future pool. Located in an X flood zone within a community of just 70 homes, the property has no CDD and low HOA fees. The Manatee River and waterfront dining are approximately one mile away, with I-75 and the Ellenton Premium Outlets just minutes from home. For buyers looking for newer construction without a standard builder interior, this 2024 home has already been extensively customized and is ready to enjoy.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,693
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
One
Levels
$242
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.
$3,592 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,592/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.
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.
vs edgeAI estimate
+24.5%
$/sqft vs Ellenton actives
$242 vs $173
Days on market
70 vs 77 typical
Where $242/sqft sits among the 94 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 Ellenton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ellenton. See the full Ellenton guide →
ELLENTON 34222 — neighborhood snapshot
Population
14,529
Median age
55.7
Median income
$66,105
Median home value
$194,300
Avg household
2.34
Households w/ children
1,253
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
$235K → $355K
Ellenton median sold, yr/yr
93.3%
Sale-to-list ratio (12 mo)
45 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 86% above the ELLENTON 34222 median. See the full Ellenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 3129 61ST TERRACE E
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 · same community
3 bd · 3 ba · 2,228 sqft · $213/sqft · 168 DOM
Sold · Apr ’26$160,000
4316 12TH STREET COURT E
3 bd · 2 ba · 1,596 sqft · $100/sqft · 402 DOM
Sold · Apr ’26$160,000
1504 43RD AVENUE E
3 bd · 2 ba · 1,560 sqft · $103/sqft · 81 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3129 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 3129 61ST TERRACE E — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3129 61ST TERRACE E FAQs
What would the monthly payment be for 3129 61ST TERRACE E?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,592/mo — principal and interest, the actual property-tax bill, the $137/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 3129 61ST TERRACE E?+
The association fee works out to $137 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3129 61ST TERRACE E?+
The most recent tax bill on record (2025) was $3,588. 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 3129 61ST TERRACE E?+
The listing reports pets: Breed Restrictions. 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 $410,000, this home is listed about 71% above the Ellenton median of $239,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3129 61ST TERRACE E?+
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.
Keep looking
Similar homes nearby
Listing courtesy of FINE PROPERTIES · Jaryd Hearn. MLS #A4704464.
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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