8178 LITTLE GASPARILLA ISLAND, PLACIDA, FL, 33946
Active353 days on marketListed Aug 21, 2025MLS #A4662635
About this home
8178 LITTLE GASPARILLA ISLAND
PRICE IMPROVEMENT! BAYFRONT HOME WITH A PRIVATE DOCK! Escape to your private paradise on Little Gasparilla Island, a bridgeless barrier island just off the Cape Haze Peninsula, accessible only by private boat or water taxi. Free from cars, shops, and crowds, this rare island retreat offers pure tranquility with over 3 miles of pristine, uncrowded beaches for swimming, shelling, shark tooth hunting, fishing, or simply relaxing with a book in the warm gulf breeze. Set on a .37-acre lot stretching 350 feet deep with 50 feet of bayfront (THREE SEPARATE PARCELS INCLUDED IN SALE), this stunning home features a private dock and panoramic views that capture sunrises over the bay and sunsets over the Gulf. Inside, expansive windows flood the open floor plan with natural light, while the chef’s kitchen boasts , an extra-long island, and ample storage. Tongue-and-groove wood ceilings in the main living areaadd warmth and character, while the home’s turnkey furnished status makes moving in effortless. With 3 spacious bedrooms, 2 bathrooms, and multiple outdoor living spaces—screened, covered, and open-air—you’ll find endless places to entertain, unwind, and soak in the beauty of dolphins, manatees, and boating activity on the bay. Practical features make island living easy, including a new metal roof, A/C (2021), outdoor shower, kayak/SUP storage, and an outdoor elevator to carry up groceries and luggage. Storage is abundant for all your beach and boating gear, and sandy golf cart trails let you explore the island and meet welcoming neighbors. Just steps from your door, enjoy beach access to the Gulf’s turquoise waters. Whether you’re searching for a serene family getaway, a vacation rental investment, or your forever island home, this property seamlessly blends comfort, convenience, and the natural beauty of island life.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,564
Sqft
0.37 ac
Lot size
1991
Year built
One
Levels
$735
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$7,513 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,513/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+26.6%
$/sqft vs Placida actives
$735 vs $355
Days on market
353 vs 106 typical
Where $735/sqft sits among the 149 Placida actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Placida
Get to know Placida. See the full Placida guide →
PLACIDA 33946 — neighborhood snapshot
Population
2,745
Median age
63.2
Median income
$93,466
Median home value
$626,500
Avg household
2.02
Households w/ children
86%
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Placida market
$475K → $535K
Placida median sold, yr/yr
92.4%
Sale-to-list ratio (12 mo)
64 of 149
Placida actives have cut their price
Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3184% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 8178 LITTLE GASPARILLA ISLAND
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,200,000
8770 KING STREET · same community
3 bd · 2 ba · 1,586 sqft · $757/sqft · 0 DOM
Sold · Mar ’26$1,066,000
8754 KING STREET · same community
3 bd · 3 ba · 1,731 sqft · $616/sqft · 269 DOM
Sold · Oct ’25$465,000
8694 MARSH STREET · same community
2 bd · 1 ba · 960 sqft · $484/sqft · 199 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8178 LITTLE GASPARILLA ISLAND — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8178 LITTLE GASPARILLA ISLAND — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
8178 LITTLE GASPARILLA ISLAND FAQs
What would the monthly payment be for 8178 LITTLE GASPARILLA ISLAND?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,513/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 8178 LITTLE GASPARILLA ISLAND?+
The most recent tax bill on record (2024) was $8,666. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 8178 LITTLE GASPARILLA ISLAND?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Placida?+
At $1,149,000, this home is listed about 77% above the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8178 LITTLE GASPARILLA ISLAND?+
L. A. Ainger Middle School (middle), Vineland Elementary School (elementary), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,149,000 runs 3184% above the PLACIDA 33946 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
353 days on market against a Placida median of 106 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
L. A. Ainger Middle School, Vineland Elementary School, Lemon Bay High School — Vineland Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,299,999, now $1,149,000 — a $151K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXIT KING REALTY · Patrice Davis. MLS #A4662635.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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