3104 DARNEA LANE, ELLENTON, FL, 34222
Active Under Contract11 days on marketListed Oct 14, 2026MLS #A4707381
About this home
3104 DARNEA LANE
Under contract-accepting backup offers. Enjoy a relaxed Florida lifestyle in this inviting 3-bedroom, 1½-bath home in Terra Siesta, a resident-owned 55+ cooperative community in Ellenton. Newer interior finishes, a neutral palette and wood-look flooring give the home a welcoming feel. The bright eat-in kitchen features white cabinetry, a coordinating backsplash and an adjacent dining area with plenty of natural light. Three bedrooms provide flexibility for a home office, hobbies or guest accommodations, while the additional half bath adds everyday convenience. Newer gas on demand water, heater, fridge, roof and AC. Terra Siesta offers two swimming pools, two community halls, pickleball, bocce, shuffleboard and a variety of social activities. Whether you’re looking for a seasonal retreat or a year-round residence, this home offers a comfortable setting to enjoy Florida living.
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
732
Sqft
0.12 ac
Lot size
1969
Year built
One
Levels
$109
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.
$1,036 /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
$1,036/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
−26.2%
$/sqft vs TERRA SIESTA MOBILE HOME PARK CO-OP
$109 vs $146
Days on market
11 vs 83 typical
Where $109/sqft sits among the 13 homes for sale in TERRA SIESTA MOBILE HOME PARK CO-OP
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
$305K → $310K
Ellenton median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
6 of 13
TERRA SIESTA MOBILE HOME PARK CO-OP have cut their price
Median sold price, Ellenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 65% below the ELLENTON 34222 median. See the full Ellenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 3104 DARNEA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$80,000
3102 TERRA SIESTA BOULEVARD · same community
2 bd · 1.5 ba · 768 sqft · $104/sqft · 33 DOM
Sold · Jul ’26$95,000
7712 TERRA SIESTA BOULEVARD · same community
2 bd · 1 ba · 672 sqft · $141/sqft · 37 DOM
Sold · Jul ’26$74,000
3309 DENISE DRIVE · same community
2 bd · 1 ba · 672 sqft · $110/sqft · 257 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3104 DARNEA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3104 DARNEA LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3104 DARNEA LANE FAQs
What would the monthly payment be for 3104 DARNEA LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,036/mo — principal and interest, the actual property-tax bill, the $213/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 3104 DARNEA LANE?+
The association fee works out to $213 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3104 DARNEA LANE?+
The most recent tax bill on record (2025) was $946. 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 3104 DARNEA LANE?+
The listing reports pets: Cats OK, Dogs OK, 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 $79,900, this home is listed about 67% below the Ellenton median of $239,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3104 DARNEA LANE?+
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 RE/MAX ALLIANCE GROUP · Nicole Sampson. MLS #A4707381.
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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