Covered Bridge Homes under $400,000

Covered Bridge Homes under $400,000

Welcome to Covered Bridge, a picturesque subdivision nestled in the heart of Florida, where charm meets affordability. This vibrant community is perfect for families, first-time homebuyers, and anyone looking to enjoy the Sunshine State's delightful lifestyle without breaking the bank.

Covered Bridge boasts a variety of homes, many of which are attractively priced under $400,000. This makes it an ideal choice for those seeking quality living in a serene environment. The homes in this subdivision are thoughtfully designed, featuring modern layouts, spacious yards, and inviting curb appeal. With options ranging from cozy single-family homes to more expansive properties, there’s something here to suit every taste and budget.

Residents of Covered Bridge enjoy a wealth of amenities, including beautifully landscaped parks, walking trails, and community gathering spaces. The neighborhood fosters a strong sense of community, where neighbors become friends and families thrive. With its convenient location, you’ll find easy access to shopping, dining, and entertainment options, ensuring that everything you need is just minutes away.

In addition to the affordable housing options, Covered Bridge is located in a family-friendly area with access to highly-rated schools and recreational facilities. Whether you’re looking to relax by the pool, take a stroll through the park, or explore the nearby attractions, Covered Bridge offers a lifestyle that perfectly balances comfort and convenience.

Discover your dream home in Covered Bridge, where the warmth of community and the beauty of Florida await you!

Newest Covered Bridge Homes under $400,000

3903 Day Bridge Place, Ellenton
$379,000
3 Beds ⋅ 3 Baths ⋅ Covered Bridge SubDv. ⋅ 34222 Zip Code
Set on a corner homesite in Covered Bridge Estates, this two-story Ellenton home comes with the big-ticket updates buyers ask about first: a new roof in 2024, replacement windows and front door in 2024, and A/C replaced in 2022. Add flood zone X (no lender-required flood insurance), no CDD fees, and low HOA dues, and it's a home that makes as much sense on paper as it does in person. The main floor is built for everyday living, featuring a combined living and dining area that flows seamlessly into the kitchen. Equipped with natural gas cooking, solid surface counters, and a casual eat-in nook, it's an easy place to start the morning or regroup after a long day. Sliding doors open to a covered patio and an expansive side yard with an irrigation system to keep the lawn lush year-round. Upstairs houses all three bedrooms, including a primary suite with a walk-in closet and a double vanity bath. An attached two-car garage rounds out the package. Covered Bridge Estates offers a clubhouse with a billiards room, a resort-style pool, fitness center, tennis and basketball courts, a playground, and a palm-lined lake. Daily errands stay close, from Ellenton Premium Outlet Mall and shopping along US-301 to quick I-75 access toward Sarasota, Lakewood Ranch, and Tampa Bay. Weekends can lead to the Manatee River or the Gulf beaches of Anna Maria Island. An updated home in an amenity-rich community is worth a closer look, so schedule your private showing today.

3903 Day Bridge Place, Ellenton
1922 Rocky Street, Haines City
$307,490
3 Beds ⋅ 2 Baths ⋅ Covered Bridge SubDv. ⋅ 33844 Zip Code
Virtually Staged. Under Construction. Located just minutes from outdoor activities like Lake Eva Community Park and Ben W. Graham Park and only 20 miles from Disney World, Covered Bridge at Liberty Bluff offers residents a convenient location near commuter routes for easy access to both work and play. Gather with friends and family for a lakeside picnic or keep it close to home by enjoying on-site amenities, including a pool, cabana, dog park, gazebo, and walking trails. The Portland is the perfect floorplan to take advantage of the Florida lifestyle. In this home guests are greeted by a covered entryway that leads into a spacious main level living area. No matter where you are in this space, the open floorplan is a great place for entertaining family and friends. The kitchen island, allows for natural movement through the main level, keeping the kitchen as the focal point of the home. Two spacious bedrooms share a hall bath on the main level, and the real showcase of this home is the primary suite which offers the utmost luxury and privacy. You have everything you need with dual vanities, a large walk-in closet, and standing shower. This home is an oasis for those looking for a new construction home, built for the way you live! *Photos are from a similar home.

1922 Rocky Street, Haines City
6223 Rock Creek Circle, Ellenton
$374,999
3 Beds ⋅ 2 Baths ⋅ Covered Bridge SubDv. ⋅ 34222 Zip Code
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.

6223 Rock Creek Circle, Ellenton
1084 Patriot Loop, Haines City
$269,900
3 Beds ⋅ 2 Baths ⋅ Covered Bridge SubDv. ⋅ 33844 Zip Code
**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.** Welcome to 1084 Patriot Loop in Haines City, a well-appointed 3-bedroom, 2-bath home offering a bright, open layout designed to suit today's lifestyle, with the added benefits of no CDD and fully paid-off solar panels. Thoughtfully planned living spaces create a seamless flow between the kitchen, dining, and gathering areas, making it easy to entertain guests or enjoy everyday moments at home. Large windows invite natural light throughout, adding to the home's warm and inviting atmosphere. The open-concept design provides flexibility for a variety of furniture arrangements while keeping everyone connected. The spacious primary suite offers a relaxing retreat, while the additional bedrooms are well suited for family, guests, or a home office to fit your changing needs. Step outside to a covered patio, perfect for outdoor dining, weekend barbecues, or simply unwinding after a long day. The private backyard offers plenty of room for personalization, giving you the opportunity to create a garden, play area, or outdoor entertaining space tailored to your lifestyle. Located in the growing community of Haines City, this home is close to neighborhood parks, schools, shopping, dining, and everyday conveniences. Residents also enjoy easy access to major roadways, making commuting to Orlando, Lakeland, and surrounding Central Florida attractions simple while still enjoying the charm and relaxed pace of the area. With its inviting layout, convenient location, paid-off solar panels, and no CDD, this home offers the perfect combination of comfort, value, and room to make it your own.

1084 Patriot Loop, Haines City
4603 Trout River Crossing, Ellenton
$350,000
3 Beds ⋅ 2 Baths ⋅ Covered Bridge SubDv. ⋅ 34222 Zip Code
Virtually Staged. Handyman Special in Covered Bridge – Great Bones, Needs TLC, Priced to Reflect It This Covered Bridge single-story is a true fixer-upper opportunity — priced for a buyer ready to roll up their sleeves. Built in 2005, this 3-bedroom, 2-bath home sits on a 7,579 sq ft lot with a practical one-story layout, but it needs work throughout, including updated flooring, paint, and finishes to bring it back to move-in condition. The good news: the biggest-ticket item is already done. A brand-new roof was installed in May 2025, so buyers can focus their renovation budget on cosmetics and updates rather than major systems. This is an as-is opportunity best suited for a cash buyer, investor, or anyone comfortable taking on a renovation project. Covered Bridge offers a community pool, tennis courts, playground, and clubhouse with fitness room for just $67/month HOA, with no CDD fees. Located minutes from Ellenton Outlet Mall with easy access to I-75 and US 301 for a convenient Bradenton/Sarasota or Tampa/St. Pete commute. Bring your contractor and your vision — this one is ready for a full refresh.

4603 Trout River Crossing, Ellenton
6305 Rock Creek Circle, Ellenton
$375,000
4 Beds ⋅ 2 Baths ⋅ Covered Bridge SubDv. ⋅ 34222 Zip Code
Virtually Staged. Lakefront Fixer-Upper Opportunity – Bring Your Vision in Covered Bridge Rare chance to own on the lake — this 4-bedroom, 2-bath split floor plan home, built in 2000, offers lake views from nearly every room but needs updating and improvements throughout, making it a strong opportunity to build instant equity. The roof was replaced in May 2025, so major-system money can go toward the updates that matter most. The layout offers great bones to work with: a spacious primary suite with his & hers walk-in closets, a combined formal living/dining area with high ceilings and natural light, and a family room with a fireplace open to the kitchen. The breakfast nook seats a full table plus bar stools at the counter, with sliding doors to the screened lanai overlooking the lake. The kitchen and baths need a full refresh, and buyers should budget for some mechanical systems as well as cosmetic updates — the home is priced accordingly for someone ready to renovate and make it their own. Additional features include an inside laundry room, a garage with built-in shelving, and plenty of room on the lot to add a pool. Covered Bridge offers a community pool, tennis courts, playground, and clubhouse with fitness room for just $67/month HOA, with no CDD fees. Minutes to the Ellenton Outlet Mall, with easy access to I-75 and US 301 for a convenient Bradenton/Sarasota or Tampa/St. Pete commute. A rare lakefront opportunity, priced to leave room for your renovation and your equity.

6305 Rock Creek Circle, Ellenton
4135 Rocky Fork Terrace, Ellenton
$399,000
4 Beds ⋅ 3 Baths ⋅ Covered Bridge SubDv. ⋅ 34222 Zip Code
Welcome to this beautiful home located in the desirable Covered Bridge Estates, a community with no CDD and an abundance of amenities including a clubhouse, resort-style pool, tennis courts, and basketball courts. This spacious residence features 4 bedrooms, 2.5 bathrooms, and a 2-car garage, perfectly situated at the end of a quiet cul-de-sac for added privacy. Recent upgrades include a brand-new roof (2024) and a newer A/C system (2020), offering peace of mind and energy efficiency. Enjoy comfortable living in a well-maintained home within a vibrant community ideal for families and entertaining.A full home warranty is included with this transaction.

4135 Rocky Fork Terrace, Ellenton
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