3315 ELM STREET, Ellenton, FL, 34222 | $520,000

***NEW ROOF (2021) with inspection and wind mitigation report — plus NO HOA, NO CDD, and NO deed restrictions — give you flexibility, peace of mind, and freedom in this beautifully maintained custom-built 3-bedroom, 3-bath home in Ellenton.

Welcome to 3315 Elm Street, ideally positioned on a spacious corner lot at the end of a quiet dead-end street, with the intersecting road also terminating — creating exceptional privacy and minimal through traffic. Located just a few blocks from the Manatee River and a public boat ramp, this property offers the ultimate Florida lifestyle with direct access to boating, fishing, and waterfront dining.
Built in 2001, this thoughtfully designed home features vaulted ceilings in both the kitchen and great room, creating an open, airy atmosphere ideal for entertaining. The spacious kitchen offers abundant counter space, raised bar seating, and a generous walk-in pantry closet (approximately 4' x 7') for added storage and organization.
The primary suite serves as a private retreat with a 9'4" ceiling and an ensuite bath. A third bathroom, remodeled in 2023, provides added flexibility for guests or family members.
French doors lead from the living area to the screened-in lanai — the perfect setting for morning coffee, evening relaxation, or weekend gatherings. Open the doors during cooler months to enjoy fresh breezes and seamless indoor-outdoor living.
Additional highlights include:
*ADT security system
*Rear right-of-way
*Spacious corner lot setting
Enjoy unparalleled boating access just two blocks away, with direct routes to the Manatee River, Tampa Bay, Terra Ceia Bay, and the Gulf — making destinations like Anna Maria Island and Egmont Key easily accessible by water. Popular waterfront restaurants include Woody’s River Roo Pub, The Riverhouse Waterfront Restaurant, Whiskey Joe’s, and Pier 22.
Everyday conveniences are minutes away, including Walmart, Aldi, Detwiler’s Farm Market, Lowe’s, Ellenton Premium Outlets, and the Bradenton Area Convention Center. Approximately 10 minutes south near I-75 and SR-64 (Exit 220), The Marketplace at Heritage Harbour features Costco, Target (new), LongHorn Steakhouse, Miller’s Ale House, and the upcoming Seasons 52 restaurant.
Located between I-75 and U. S. 301, this home provides easy highway access and a scenic commute toward St. Petersburg via the Sunshine Skyway Bridge. Gulf beaches are approximately:
13 miles to Holmes Beach / Anna Maria Island (~20 minutes)
15 miles to Bradenton Beach / Manatee Public Beach (~25 minutes)
Discover the perfect balance of privacy, river access, and everyday convenience in this ideally situated Ellenton property.
All information provided is deemed reliable but not guaranteed and should be independently verified by interested parties. Data may include information from the seller, public records, or the Multiple Listing Service (MLS). Neither the broker, listing agent, nor the MLS guarantees accuracy.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Florida
  • Year Built: 2001
  • Garage: 2-car Garage Door Opener
  • Heating: Central, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,028
  • Acreage: 0.26
  • Est. Taxes: $2,035
  • Lot Desc: Corner Lot, Flood Insurance Required, FloodZone, Near Public Transit, Street Dead-End
  • Elem. School: James Tillman Elementary
  • Middle School: Lincoln Middle
  • High School: Palmetto High
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer
  • MLS#: A4657099
  • Days on Market: 179 days
  • Website: https://www.raveis.com
    /prop/A4657099/3315elmstreet_ellenton_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/8/2026 5:32:39 AM)
Listing courtesy of CHARLES RUTENBERG REALTY INC   Phone: 727-538-9200

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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3315 ELM STREET, Ellenton, FL, 34222

$520,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $416,000 $416,000 $416,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.275% 6.410% 5.595%
Monthly Tax Payment $170 $170 $170
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,428 $2,561 $3,372
Total Monthly Payment $2,690 $2,823 $3,634

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.