178 OSPREY CIRCLE, ELLENTON, FL, 34222
Active Under Contract17 days on marketListed Oct 17, 2026MLS #A4709814
About this home
178 OSPREY CIRCLE
Under contract-accepting backup offers. LAND OWNED and move-in ready in Ridgewood Meadows! This bright, spacious 2 bedroom, 2 bath home gives buyers the peace of mind they are looking for. The roof is approximately 5 years old, the AC system is approximately 3 years old and a moisture barrier was completed in 2022. The home sits on a generous, beautifully landscaped lot with towering palms, a covered carport and a screened porch, perfect for morning coffee or relaxing evenings in the Florida breeze. Step inside and you will find vaulted ceilings and updated LVP flooring flowing through the main living areas. The living room is filled with natural light from a wall of windows and opens through sliding glass doors to the screened porch. The dining area has its own wall of windows and a charming chandelier, and connects easily to the kitchen. There you will find abundant cabinet storage, a breakfast bar, a pantry closet and a dishwasher. A separate indoor laundry room with washer, dryer, overhead storage cabinets and its own exterior door adds everyday convenience. The primary suite features two windows, a ceiling fan, a walk-in closet and a private bath with dual sinks and a walk-in shower with a grab bar. The guest bedroom also has its own walk-in closet, and the full guest bath includes a tub and shower combination. The home is being offered fully furnished, so you can simply bring your suitcase and start enjoying the Florida lifestyle. Lawn maintenance and sprinkler system are included in the low quarterly HOA fees. Ridgewood Meadows offers an active, resort-style lifestyle with 24-hour, 7-day gated security, a community pool and spa, clubhouse, clay tennis courts, new pickleball courts, shuffleboard, an exercise park, great fishing and a full calendar of activities and events. The community is golf cart and small pet friendly. You are minutes from the Ellenton Premium Outlets, shopping, dining, waterfront restaurants on the Manatee River and medical facilities, with quick access to I-75 putting Bradenton, Sarasota, Tampa, St. Petersburg and Florida’s world-famous Gulf beaches all within easy reach. And with a flood zone X designation, you can enjoy added peace of mind. If you have been searching for an affordable, move-in-ready home where you own the land, enjoy incredible amenities and embrace the Florida lifestyle, this is the one you have been waiting for. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,100
Sqft
0.11 ac
Lot size
1988
Year built
One
Levels
$159
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.
$1,663 /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
$1,663/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
+32.4%
$/sqft vs Ellenton actives
$159 vs $173
Days on market
17 vs 77 typical
Where $159/sqft sits among the 93 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 Ridgewood Meadows
Drive times from this address
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
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)
46 of 93
Ellenton actives have cut their price
Median sold price, Ellenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the ELLENTON 34222 median. See the full Ellenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 178 OSPREY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$181,000
159 OSPREY CIRCLE UNIT na · same community
2 bd · 2 ba · 1,296 sqft · $140/sqft · 50 DOM
Sold · Mar ’26$190,000
137 OSPREY CIRCLE · same community
2 bd · 2 ba · 1,352 sqft · $141/sqft · 318 DOM
Sold · May ’26$183,000
95 WOOD OWL AVENUE · same community
2 bd · 2 ba · 828 sqft · $221/sqft · 33 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 178 OSPREY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 178 OSPREY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
178 OSPREY CIRCLE FAQs
What would the monthly payment be for 178 OSPREY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,663/mo — principal and interest, the actual property-tax bill, the $173/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 178 OSPREY CIRCLE?+
The association fee works out to $173 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 178 OSPREY CIRCLE?+
The most recent tax bill on record (2025) was $609. 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 178 OSPREY 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 $175,000, this home is listed about 27% below the Ellenton median of $239,900. The market section on this page shows how the area is trending.
Which schools are assigned to 178 OSPREY 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.
Keep looking
Similar homes nearby
Listing courtesy of LESLIE WELLS REALTY, INC. · Jennifer Flores, PLLC. MLS #A4709814.
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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