David Ramirez
$1,299,000$1,350,0002 bd2 ba1,586 sqft$819 /sqft$8,599 /mo all-in ↓

8772 LITTLE GASPARILLA ISLAND, PLACIDA, FL, 33946

Active322 days on marketListed Sep 23, 2025MLS #D6143924

Reduced $51KWaterfrontFully furnishedSingle Family ResidenceSEABOARD

About this home

8772 LITTLE GASPARILLA ISLAND

Price reduced on this beautiful home which is one of the iconic twin bayfront homes on Little Gasparilla Island, a bridgeless barrier island off the Cape Haze peninsula. A 10-minute boat ride brings you to the new shared boat dock with 10,000# boat lift. The home was updated in 2023, including a new roof, and comes furnished. On the first floor there are 2 bedrooms, 2 bathrooms, living room, kitchen, and laundry closet. The living room and kitchen are open and spacious with vaulted wood ceilings and three sets of French doors on the front of the house that lead out to the large screened in front porch that overlooks Placida Harbor. From there you can sit and watch the sunrise, see the boats go by, the dolphins and manatees swimming, and the birds diving for fish. In the living room there is an electric fireplace with a modern design. The updated kitchen has new soft close cabinets, glass tile backsplash, under counter lighting, stainless steel appliances, quarts countertops, and a large island with seating. Both bathrooms have new vanities with quarts counter tops, and new tile around the shower and tub. Both bedrooms have French doors that lead out to the covered, wrap-around deck. All the windows and doors are impact glass. The stackable, front load, washer and dryer are cleverly hidden behind a barndoor in the hall between the two bedrooms. Up the spiral staircase leads you to the loft, that is being used as a bedroom, with vaulted wood ceilings and a cozy nook that could be used as an office or reading space, and then further up the staircase you come to the 11’ x 21’ cupola that has shiplap walls, wood ceiling, and stunning views of the bay and the island and is also being used as a bedroom. The lot behind the home, which is almost 2 acres in size, is also for sale MLS #D6143898 and is where the shared septic system is located. The lot will need to be purchased with the home. Little Gasparilla Island doesn’t have any grocery stores, restaurants, or shops but we have 3 ½ miles of uncrowded beach to wander on and collect seashells and shark’s teeth, swim, or sit with a good book and soak up the sun. There is great fishing in the surrounding waters for redfish, snook, snapper, trout and more. By water there are many wonderful restaurants to cruise to. Then at the end of the day meet your friendly neighbors at the water's edge to watch the sun set on another blissful day in paradise. Come and see this lovely home and find out what it’s like to live on island time.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,586

Sqft

0.18 ac

Lot size

1986

Year built

Three Or More

Levels

$819

Per sqft

WaterfrontFireplaceFurnished

Inside

FlooringCeramic Tile · Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Primary Bedroom Main Floor · Stone Counters
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionWood Frame · Wood Siding
FoundationStilt/On Piling
FacesEast
ExteriorFrench Doors · Lighting · Rain Gutters

Community & fees

Taxes (2024)$11,305/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesElectricity Connected
WaterPublic

The numbers

What it really costs

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

$8,599 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property tax — 2024 actual bill$942
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $129,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $129,900
Interest rate6.00%
Loan term

Estimated payment

$8,599/mo

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property taxes (actual bill)$942
Est. insurance$160

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.

List $1.3M
$345KedgeAI estimate $404,810 · range $359K$519K$1.4M

vs edgeAI estimate

+220.9%

$/sqft vs Placida actives

$819 vs $355

Days on market

322 vs 105 typical

Where $819/sqft sits among the 150 Placida actives

64
31
17
14
13 · this home
11
$180–319$319–457$457–595$595–734$734–872$872+

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

Map of 8772 LITTLE GASPARILLA ISLAND

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 buyer9.0 months of inventoryBuyer’s market

$475K$535K

Placida median sold, yr/yr

92.4%

Sale-to-list ratio (12 mo)

65 of 150

Placida actives have cut their price

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

This home is listed 3611% above the PLACIDA 33946 median. See the full Placida market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,299,000 $51K
Sep 23, 2025Listed at $1,350,000 · 322 days on market since
1986Built · SEABOARD

Reality check

What actually sold near 8772 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.

8770 KING STREETSold · Nov ’25

$1,200,000

8770 KING STREET · same community

3 bd · 2 ba · 1,586 sqft · $757/sqft · 0 DOM

8754 KING STREETSold · Mar ’26

$1,066,000

8754 KING STREET · same community

3 bd · 3 ba · 1,731 sqft · $616/sqft · 269 DOM

8694 MARSH STREETSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 8772 LITTLE GASPARILLA ISLAND — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8772 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

By checking this box, I agree that CENTURY 21 Edge and my agent may send me marketing and promotional text messages — including new listings, market updates, open houses and home value reports — at the phone number I provide, including by automated means. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

8772 LITTLE GASPARILLA ISLAND FAQs

What would the monthly payment be for 8772 LITTLE GASPARILLA ISLAND?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,599/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 8772 LITTLE GASPARILLA ISLAND?+

The most recent tax bill on record (2024) was $11,305. 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 8772 LITTLE GASPARILLA ISLAND?+

The listing reports pets: Cats OK, Dogs OK. 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 $1,299,000, this home is listed about 100% above the Placida median of $649,000. The market section on this page shows how the area is trending.

Which schools are assigned to 8772 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

$1,299,000 runs 3611% 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

322 days on market against a Placida median of 105 — 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 $1,350,000, now $1,299,000 — a $51K cut. The full history is in the market section below.

Listing courtesy of TARPON REAL ESTATE, INC. · Barbara Jo Pendergrass. MLS #D6143924.

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.

Never miss a listing

New Placida homes, in your inbox

Like 8772 LITTLE GASPARILLA ISLAND but not quite? A daily digest of every new listing in Placida — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 11, 2026 at 4:18 PM UTC. The listing information on this page last changed on August 11, 2026 at 4:18 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 11, 2026 at 4:18 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 11, 2026 at 4:18 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.