About this home

Virtually Staged. Pond-Front Ellenton Home with 5.5% VA Assumable Loan – No CDD, Flood Zone X, 500 Sq Ft Screened Lanai

Take over a 5.5% VA assumable loan on a pond-front home with no CDD, Flood Zone X, and about 70 feet of water frontage. Set in Covered Bridge Estates, 6223 Rock Creek Circle offers 3 bedrooms, 2 baths, 2,206 sq ft of living area, and 3,136 total sq ft under roof, plus roughly 500 sq ft of screened lanai that extends your living space outdoors.

The home is built around light and water views. Soaring ceilings, oversized windows, and multiple sliding glass doors open the interior to the pond beyond. A true split-bedroom plan gives you two separate living areas: a formal living and dining room at the front, and a family room that opens to the kitchen and breakfast nook, where everyday life happens.

The updated kitchen has new countertops, stainless steel appliances, plenty of prep space, and a large picture window over the sink facing the water. Sliders from the breakfast area lead straight to the screened lanai, so morning coffee, dinner outside, and weekend entertaining all happen with a view.

The primary suite sits privately on its own side of the home. It has an oversized walk-in closet and an en-suite bath with dual vanities, a garden tub, a separate walk-in shower, and a private water closet. The two additional bedrooms and full bath are on the opposite side, which works well for guests, a home office, or quiet space.

Several big-ticket items are already done:

2020 roof
2024 five-ton HVAC on a new hurricane-rated pad
2016 50-gallon water heater

HOA dues are about $92 per month, with no annual CDD assessment. Flood Zone X generally means flood insurance is not federally required for most mortgages; buyers should confirm requirements with their own lender and insurance agent.

Covered Bridge Estates offers a clubhouse, resort-style pool, fitness center, tennis and basketball courts, a playground, walking trails, and lakes throughout. RV storage, boat parking, and overflow parking are available for an additional fee. Community events include weekly Thursday food trucks.

Quick I-75 access puts you about:

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
35–40 minutes from Anna Maria Island and downtown St. Petersburg, traffic depending

In addition to the VA assumption opportunity, 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.

Virtual tour