Bradenton, FL
Mill Creek
An established east Manatee neighborhood of 916 houses on the county roll across ten platted phases, built from 1988 through 2014, and one of the last places in the area where acre-plus lots are ordinary rather than exceptional. Median house is about 2,432 square feet and 78% have a private pool, which is what you would expect where lots are this size. It is deed-restricted but not gated, with a community park and playground rather than a clubhouse, and there is no CDD. The HOA is $535 to $660 a year, and that low figure is the honest trade for a short amenity list.
Home Types
Single-family
Amenity Level
Low
HOA (Yearly) Est.
$535 - $660
CDD (Yearly) Est.
None
Flood Zone
X
Fee estimates may vary by lot size and sub-association. View all community fees →
Community size
916
homes
community record
916
completed homes on the county roll
Manatee County property appraiser roll, read October 2026
1,016
recorded residential lots
Manatee County property appraiser roll, read October 2026
Amenities & lifestyle
- Community park
- Playground
- Acre-plus lots common
- Deed-restricted, not gated
Michael’s Take
No CDD, confirmed against the county roll. Ten platted phases spanning 1988 to 2014, so build quality and lot size vary; check which phase.
How Mill Creek compares
From the county records
$700,000
Median of 101 recorded sales since October 2023, the middle eighty percent between $540,000 and $930,000.
89%
Of the 916 matched residential units here claim a homestead exemption, which reads as most homes here are claimed as a permanent residence.
Newest completion recorded 2025. 1% of the parcels here were completed in the last three years, the most recent in 2025. That is below the share this site treats as actively delivering, so most of what trades here is resale, but it is not finished.
Arm’s-length sales recorded with Manatee County, read October 2026. Quitclaims, foreclosures, family transfers and pre-construction sales are excluded. Homestead requires the property to be a permanent residence, so the share carrying one is reported here as a share of matched residential units rather than as a count of who lives here. Homestead is a tax filing, not an occupancy count. A rented home can house full-time residents and will never carry the exemption, and an owner who lives here but never filed does not appear in it either. Read it as what share of matched residential units claim the exemption, not as who lives here.
At an estimated $598 a year in combined HOA and CDD, Mill Creek sits about 66% below the Bradenton median of $1,783, ranking 4 of the 23 Bradenton communities whose fees this site tracks. There is no CDD assessment here, which is what keeps that figure down.
Estimates from the same dataset behind the fee pages and the True Cost Index. Fees vary by lot size and sub-association, and change with each budget.
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Mill Creek FAQ
What kind of homes are in Mill Creek?+
Mill Creek offers single-family. As single-family housing, the roof, the exterior and the insurance on the structure are yours rather than an association's, which is the main practical difference from a villa or condominium. What a specific home includes, and what the association maintains, is set out in that community's documents and is worth reading before an offer rather than after.
What amenities does Mill Creek have?+
Mill Creek offers Community park, Playground, Acre-plus lots common, Deed-restricted, not gated. Worth separating two things that often get blurred together: amenities the HOA maintains and which every owner pays for, and club or golf facilities that may require a separate membership on top. Which category each amenity falls into determines your actual annual cost, and it is set out in the community documents rather than in any listing.
What have homes in Mill Creek actually sold for?+
101 arm's-length sales have been recorded in Mill Creek since October 2023, at a median of $700,000. The middle eighty percent of those sales fell between $540,000 and $930,000, which is a better guide to the range than the extremes. These are prices recorded with Manatee County, not asking prices, so they describe what buyers and sellers actually agreed. Figures read October 2026; quitclaims, foreclosures and family transfers are excluded.
Do people live in Mill Creek year round?+
89% of the 916 matched residential units in Mill Creek claim a homestead exemption, which Florida grants only on an owner's permanent residence, read from the Manatee County roll in October 2026. That reads as most homes here are claimed as a permanent residence. Homestead is a tax filing, not an occupancy count. A rented home can house full-time residents and will never carry the exemption, and an owner who lives here but never filed does not appear in it either. Read it as what share of matched residential units claim the exemption, not as who lives here.
Is Mill Creek still being built?+
The most recent home the county records in Mill Creek was completed in 2025, across 1,016 platted parcels of which 916 carry a finished home. 1% of its parcels were completed in the last three years, the most recent in 2025. That is below the share this site treats as actively delivering, so most of what trades in Mill Creek is resale, but it is not finished. Build year matters more in Florida than buyers expect, because insurers weight roof age heavily and it drives what a property costs to carry rather than just what it costs to buy.
Does Mill Creek have an HOA or CDD fee?+
Mill Creek has an HOA fee estimated at $535 - $660 yearly, and the fee data for this community records no CDD assessment. A community development district bills through your property taxes rather than through the association, and its assessment can carry two separate components: debt service, which repays the bonds that funded roads, drainage and amenities, and an operations and maintenance charge, which does not end with the bonds. A community without a district avoids both as currently assessed. Figures are estimates, assessments are set annually, and both vary by home and phase, so confirm them for the specific address before relying on them.
What flood zone is Mill Creek in?+
The flood zone recorded for Mill Creek is X. Zones beginning A or V are the higher-risk categories, where a federally backed mortgage generally requires flood insurance, while zone X is lower risk and coverage is usually optional. Flood zone is assigned per property rather than per community though, and elevation can change both the requirement and the premium substantially, so get the zone and the elevation certificate for the exact address rather than relying on a community-level figure.