
6223 ROCK CREEK CIRCLE, ELLENTON, FL, 34222
Active12 days on marketListed Sep 8, 2026MLS #TB8545392
About this home
6223 ROCK CREEK CIRCLE
Virtually Staged. Pond-front with approximately 70 feet of water frontage, Flood Zone X, NO CDD, and approximately 500 sq ft of screened lanai space — 6223 Rock Creek Circle in Covered Bridge Estates lives far larger than its square footage. This 3-bedroom, 2-bath Ellenton home offers 2,206 sq ft of living area and 3,136 total sq ft under roof. The true split-bedroom floor plan offers two distinct living areas, with a formal living and dining room at the front of the home and a separate family room open to the kitchen and breakfast area. Soaring ceilings, oversized windows, and multiple sliding glass doors fill the home with natural light while drawing your attention to the peaceful water views beyond. The updated kitchen features new countertops, stainless steel appliances, generous workspace, and a large picture window above the sink overlooking the pond. Sliding doors from the breakfast area open directly to the expansive screened lanai — ideal for morning coffee, outdoor dining, entertaining, or simply relaxing by the water. The private primary suite offers an enormous walk-in closet and an en-suite bath with dual vanities, a garden tub, separate walk-in shower, and private water closet. Two additional bedrooms and a full bath are positioned on the opposite side of the home, providing excellent separation for guests, a home office, or quiet space. Major improvements include a 2020 roof, 2024 five-ton HVAC system installed on a new hurricane-rated pad, and a 2016 50-gallon water heater. The Flood Zone X designation means flood insurance is generally not federally required for most mortgages; buyers should confirm individual lender and insurance requirements. HOA dues are approximately $92 per month with NO annual CDD assessment. Covered Bridge Estates offers a clubhouse, resort-style pool, fitness center, tennis and basketball courts, playground, scenic walking trails, and lakes throughout the community. RV storage, boat parking, and overflow parking are available for an additional fee, along with neighborhood events including weekly Thursday food trucks. Located in Manatee County with quick access to I-75, the home is approximately 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, and approximately 35–40 minutes from Anna Maria Island and downtown St. Petersburg, depending on traffic. A VA assumable loan may be available, and 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.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,206
Sqft
0.18 ac
Lot size
2
Garage
1999
Year built
One
Levels
$170
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.
$2,977 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$2,977/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.
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
−6.4%
$/sqft vs Ellenton actives
$170 vs $188
Days on market
12 vs 43 typical
Where $170/sqft sits among the 97 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 Covered Bridge Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ellenton. See the full Ellenton guide →
Covered Bridge Estates — neighborhood snapshot
Population
2,874
Median age
38
Median income
$96,921
Median home value
$403,538
Avg household
3
Households w/ children
323
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 → $335K
Ellenton median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
51 of 97
Ellenton actives have cut their price
Median sold price, Ellenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% above the ELLENTON 34222 median. See the full Ellenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 6223 ROCK CREEK CIRCLE
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
3 bd · 3 ba · 2,228 sqft · $213/sqft · 168 DOM
Sold · Feb ’26$370,000
5912 30TH COURT E
3 bd · 2 ba · 2,158 sqft · $171/sqft · 165 DOM
Sold · Jan ’26$365,000
6107 25TH STREET E
4 bd · 3.5 ba · 2,412 sqft · $151/sqft · 140 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 6223 ROCK CREEK CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6223 ROCK CREEK 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
6223 ROCK CREEK CIRCLE FAQs
What would the monthly payment be for 6223 ROCK CREEK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,977/mo — principal and interest, the actual property-tax bill, the $92/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 6223 ROCK CREEK CIRCLE?+
The association fee works out to $92 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6223 ROCK CREEK CIRCLE?+
The most recent tax bill on record (2025) was $4,221. 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 6223 ROCK CREEK CIRCLE?+
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 $374,999, this home is listed about 31% above the Ellenton median of $286,250. The market section on this page shows how the area is trending.
Which schools are assigned to 6223 ROCK CREEK CIRCLE?+
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 KELLER WILLIAMS ON THE WATER S · Amanda LeGault. MLS #TB8545392.
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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