120 SPANIARDS ROAD, PLACIDA, FL, 33946
Active136 days on marketListed Mar 9, 2026MLS #A4685548
About this home
120 SPANIARDS ROAD
Exceptional opportunity to own a beautiful residential homesite in the growing coastal community of Placida, Florida. This spacious vacant lot offers the perfect setting to build your dream Florida home while enjoying the peaceful surroundings of Charlotte County’s Gulf Coast. Located just minutes from Boca Grande, world-class fishing, pristine beaches, marinas, golf courses, and waterfront dining, this property provides the ideal blend of tranquility and convenience. The area is known for boating, kayaking, and access to the Intracoastal Waterway and Gulf of Mexico. With new construction and development continuing throughout the Placida and Rotonda area, this lot presents excellent potential for both homeowners and investors looking to secure property in one of Southwest Florida’s desirable coastal markets. Whether you are planning to build now or hold for future investment, this property offers outstanding value and lifestyle appeal.
Facts & features
The home at a glance
0.63 ac
Lot size
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 and the real association fee — not generic estimates.
$1,114 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,114/mo
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
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 → $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 240% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
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 120 SPANIARDS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 SPANIARDS ROAD — 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
120 SPANIARDS ROAD FAQs
What would the monthly payment be for 120 SPANIARDS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,114/mo — principal and interest, the actual property-tax bill, the $44/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 120 SPANIARDS ROAD?+
The association fee works out to $44 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 120 SPANIARDS ROAD?+
The most recent tax bill on record (2025) was $1,881. 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 120 SPANIARDS ROAD?+
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 $119,000, this home is listed about 82% below the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 120 SPANIARDS ROAD?+
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.
Listing courtesy of PALM PARADISE REALTY GROUP · Olga Vakoulich. MLS #A4685548.
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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