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List Price

$389,000

2422 63rd, Ellenton, FL 34222

51 days on market

Estimated Payment

$3,782/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,732 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2011

Listed by

Matthew Pertosoff

ANCHOR DOWN REAL ESTATE

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Experience the best of Florida living in Bougainvillea Place, a gated, maintenance-free community with NO CDD fees! Situated on an oversized corner lot near the end of a quiet cul-de-sac, this beautifully maintained 3-bedroom, 2-bath home offers 1,732 square feet of comfortable living space and outdoor areas that truly set it apart Stacking sliding-glass doors open the main living area to the expansive screened, brick-paver lanai and patio, creating a seamless indoor-outdoor living experience. Open the sliders and let the Florida breeze flow through while entertaining guests, enjoying your morning coffee or simply relaxing among the lush, mature landscaping. With plenty of room for dining and lounging, this private outdoor setting feels like a natural extension of the home and can be enjoyed throughout the year. One of the property’s most unique features is the winding brick-paver walkway that begins near the front entry and continues along the side of the home. Surrounded by lush tropical palms and manicured landscaping, the pathway creates a peaceful, garden-like setting before passing beneath a covered archway and leading directly into the screened lanai. This thoughtful connection between the front and rear outdoor spaces adds even more charm and character to the home. Inside, the open floor plan features spacious living and dining areas, tile flooring, crown molding and tray ceilings. The kitchen is equipped with granite countertops, stainless-steel appliances, rich wood cabinetry, ample storage and a breakfast bar overlooking the main living space perfect for everyday living and entertaining.The primary suite includes a tray ceiling, a large walk-in closet and an ensuite bathroom with dual vanities and a generously sized walk-in shower. Two additional bedrooms provide space for guests, while a dedicated den/office at the front of the home offers even more flexibility. The home also includes an interior laundry room and an attached two-car garage that is air-conditioned, providing additional comfort and versatility. Buyers can enjoy added peace of mind knowing the HVAC system was replaced in 2023 and the water heater was replaced in 2022.

2422 63rd, Ellenton, FL 34222 in Ellenton, FL 34222 is listed for $389,000. The home has 3 bedrooms, 2 bathrooms, and 1,732 square feet, and was built in 2011. Listed 51 days ago. The listing is held by ANCHOR DOWN REAL ESTATE.

34222 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,997 (tax year 2025)
HOA fee$436 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$3,782/moest.

0% down -- about $667 more per month than 20% down conventional.

  • Principal & Interest 70%
  • Property Taxes 7%
  • Insurance 9%
  • HOA 12%
  • USDA Fee 3%
Principal & Interest
$2,657
Property Taxesfrom listing
$250
Insurance
$324
HOA
$436
USDA Annual Fee
$115

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$3,890

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $3,782, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,997 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR812267359. HomeJam is not the listing broker.

List Price

$389,000

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