191 KETTLE HARBOR DRIVE, PLACIDA, FL, 33946
Active2501 days on marketMLS #D6103157
About this home
191 KETTLE HARBOR DRIVE
A wonderful, 'Old Florida,' Beach house. This island home is decorated with a nautical theme. Walk the beautiful hardwood floors and watch the sunset from the over-sized rear porch. Minutes walk on a sand road to the quiet seven-mile beach. This beach is perfect for swimming or collecting sea shells. You have to travel far in this world to find a beach like this. Turtle Landing has an open floor plan, and comes with all the trimmings. Perfect for a family or friends to enjoy a stay at Palm Island. House has cathedral ceiling , large yard and a nice pool & spa. Out the back porch is a long dock that is great for fishing, kayaking or swimming in Kettle Harbor. In the house, we offer streaming video and TV entertainment with over 2000 movies and programs. Turtle Landing will leave you in the 'old Florida' style that you expect. Island is accessed by ferry which operates 18 hours each day. Driving time is one hour and fifteen minutes from Tampa, Florida. Golf cart rentals available on Island Rental rates vary due to time of year. Off Season rate is $285.00 per day
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,536
Sqft
0.25 ac
Lot size
1
Garage
2001
Year built
$3
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.
$1,208 /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
$1,208/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.
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.
$/sqft vs PALM ISLAND ESTATES UN 4
$3 vs $688
Days on market
2501 vs 91 typical
Where $3/sqft sits among the 12 homes for sale in PALM ISLAND ESTATES UN 4
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 → $464K
Placida median sold, yr/yr
92.2%
Sale-to-list ratio (12 mo)
3 of 12
PALM ISLAND ESTATES UN 4 have cut their price
Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 88% below the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 191 KETTLE HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,100,000
180 S GULF BOULEVARD · same community
3 bd · 2 ba · 1,697 sqft · $648/sqft · 329 DOM
Sold · Jun ’26$1,700,000
121 BOCILLA DRIVE · same community
3 bd · 3.5 ba · 2,558 sqft · $665/sqft · 154 DOM
Sold · Oct ’25$620,000
180 BOCILLA DRIVE
2 bd · 2 ba · 1,507 sqft · $411/sqft · 7 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 191 KETTLE HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 191 KETTLE HARBOR 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.
Straight answers
191 KETTLE HARBOR DRIVE FAQs
What would the monthly payment be for 191 KETTLE HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,208/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 191 KETTLE HARBOR DRIVE?+
The most recent tax bill on record (2021) was $12,255. 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 191 KETTLE HARBOR DRIVE?+
The listing reports pets: No. 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 $4,300, this home is listed about 99% below the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 191 KETTLE HARBOR 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
01Under the PLACIDA 33946 market on paper
$4,300 is 88% below the PLACIDA 33946 median of $35,000, and at $3/sqft it sits under the Placida average of $470.
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
2501 days on market against a Placida median of 91 — 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.
Keep looking
Similar homes nearby
Listing courtesy of TALL PINES REALTY · Danielle Jones. MLS #D6103157.
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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