David Ramirez

10121 CREEKSIDE DRIVE, PLACIDA, FL, 33946

Active193 days on marketListed Jan 10, 2026MLS #A4677707

Reduced $9KCORAL COVE

About this home

10121 CREEKSIDE DRIVE

Welcome to 10121 Creekside Drive in Placida, an extraordinary opportunity to own a .61-acre waterfront homesite within the exclusive, gated community of Coral Cove. This private enclave is comprised of just 27 custom residences, offering a rare blend of security, serenity, and refined coastal living. What truly sets this property apart is the deeded private boat dock, delivering direct access to Lemon Bay, the Intracoastal Waterway, and onward to the open waters of the Gulf of Mexico via a single bridge with approximately 10’4” clearance—ideal for a wide range of vessels and an active boating lifestyle. Perfectly positioned between the world-class beaches of Boca Grande and the relaxed coastal charm of Manasota Key, this location allows you to enjoy some of Southwest Florida’s most celebrated shoreline, fishing, and outdoor recreation within minutes. Daily conveniences are equally close at hand, with Publix, Winn-Dixie, and local markets nearby, along with boutique shopping, dining, and marinas throughout Placida, Englewood, and Port Charlotte. Medical needs are easily met with Englewood Community Hospital and HCA Florida Fawcett Hospital both within a short drive. Outdoor enthusiasts will appreciate proximity to Don Pedro Island State Park, local preserves, kayaking trails, and nature parks, while golfers and beach lovers alike will find endless options close to home. Commuting and travel are seamless with convenient access to Placida Road (SR-775), US-41 (Tamiami Trail), and I-75, connecting you effortlessly to Venice, Sarasota, Punta Gorda, and beyond. Punta Gorda Airport (PGD) and Southwest Florida International Airport (RSW) provide excellent regional and national flight options. Coral Cove maintains architectural standards designed to preserve the upscale character of the community, including a minimum of 2,200 square feet under air, metal roofing, and a side-entry garage, allowing you to build a custom coastal residence that complements both your lifestyle and the surrounding homes. Secure, private, and ideally located, this gated waterfront community offers a rare opportunity to create a bespoke coastal retreat with boating at your doorstep and Florida’s best beaches, amenities, and infrastructure just moments away. Opportunities like this in Coral Cove are limited—schedule your private showing and take the first step toward your Florida waterfront lifestyle today.

Facts & features

The home at a glance

0.61 ac

Lot size

Pets allowed

Inside

Outside & construction

Community & fees

HOA fee$133/mo
Taxes (2025)$1,250/yr
PetsYes
CommunityBoat Slip · Canal Front · Dock · Fishing · Water Access · Waterfront · Deed Restrictions

Utilities & systems

UtilitiesCable Available · Electricity Available · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$929 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$495
FHA mortgage insurance (est.)$37
Property tax — 2025 actual bill$104
HOA fee — from the listing$133
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $2,940Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $2,940
Interest rate6.00%
Loan term

Estimated payment

$929/mo

Principal & interest$495
FHA mortgage insurance (est.)$37
Property taxes (actual bill)$104
HOA / condo fee$133
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

Where it sits

Inside Placida

Map of 10121 CREEKSIDE DRIVE

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

MiddleL. A. Ainger Middle School★★★★★
ElementaryVineland Elementary School★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Placida market

Seller’s marketLeans buyer12.6 months of inventoryBuyer’s market

$475K$464K

Placida median sold, yr/yr

92.2%

Sale-to-list ratio (12 mo)

Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 140% above the PLACIDA 33946 median. See the full Placida market guide →

Paper trail

This home's history

CurrentPrice reduced to $84,000 $9K
Jan 10, 2026Listed at $92,500 · 193 days on market since

Reality check

What actually sold near 10121 CREEKSIDE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1124 Seminole Dr # 3A, Fort Lauderdale FL 33304Sold · Jan ’26

$309,500

1124 Seminole Dr # 3A, Fort Lauderdale FL 33304 · same community

2 bd · 2 ba · 950 sqft · $326/sqft · 336 DOM

7535 COVE TERRACESold · Dec ’25

$835,000

7535 COVE TERRACE · same community

3 bd · 2 ba · 1,928 sqft · $433/sqft · 52 DOM

1837 UPPER COVE TERRACESold · May ’26

$1,189,995

1837 UPPER COVE TERRACE · same community

3 bd · 2 ba · 1,964 sqft · $606/sqft · 110 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 10121 CREEKSIDE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10121 CREEKSIDE DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

10121 CREEKSIDE DRIVE FAQs

What would the monthly payment be for 10121 CREEKSIDE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $929/mo — principal and interest, the actual property-tax bill, the $133/mo association fee 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.

How much are the HOA fees at 10121 CREEKSIDE DRIVE?+

The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10121 CREEKSIDE DRIVE?+

The most recent tax bill on record (2025) was $1,250. 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 10121 CREEKSIDE DRIVE?+

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 $84,000, this home is listed about 87% below the Placida median of $649,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10121 CREEKSIDE DRIVE?+

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

Four things that matter here

01Positioned at the premium end

$84,000 runs 140% above the PLACIDA 33946 median.

02Time on market is leverage

193 days on market against a Placida median of 91 — sellers in this position are usually ready to negotiate.

03Strong 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.

04The price has already moved

Listed at $92,500, now $84,000 — a $9K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Brandy Loebker. MLS #A4677707.

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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