8864 BAY STREET, PLACIDA, FL, 33946
Active147 days on marketListed Feb 26, 2026MLS #C7522485
About this home
8864 BAY STREET
Welcome to the kind of ISLAND LIFESTYLE most people only experience on vacation — except this time, it can be yours to build. On the secluded shores of Little Gasparilla Island, this 100’ x 50’ cleared and build-ready lot offers the rare opportunity to create your custom retreat on a bridge-less barrier island accessible only by boat. Tucked near the end of Bay Street and framed by palm trees, the setting feels serene, peaceful, and perfectly positioned for true coastal living. Enjoy convenient bay access just steps away at the community dock (available with a low annual HOA cost) and take a short stroll to the epic beach access for miles of unspoiled Gulf shoreline. Here, you truly experience gulf-to-bay living - sunrise over the bay, sunset over the Gulf - all in one extraordinary location. This golf-cart-friendly community embraces a slower pace where neighbors wave, shelling is a daily ritual, and memories are measured in boat rides, fishing trips, and barefoot beach walks. No bridges. No traffic lights. Just island air and endless horizon. If you’ve been waiting for the right canvas to design your dream home in a setting that feels worlds away — this is your chance to claim your piece of island paradise and start living the life others only dream about.
Facts & features
The home at a glance
0.11 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 — not generic estimates.
$759 /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
$759/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 143% 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 8864 BAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8864 BAY STREET — 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
8864 BAY STREET FAQs
What would the monthly payment be for 8864 BAY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $759/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 8864 BAY STREET?+
The most recent tax bill on record (2025) was $733. 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 8864 BAY STREET?+
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 $85,000, 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 8864 BAY STREET?+
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 PARADISE EXCLUSIVE REAL ESTATE · Tawnya Hile. MLS #C7522485.
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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