8440 PLACIDA ROAD, PLACIDA, FL, 33946
Active234 days on marketListed Dec 2, 2025MLS #D6145039
About this home
8440 PLACIDA ROAD
Currently, the only available waterfront 10 Acre tract of (RMF-10) in Placida. Directly on 500' of intercoastal waterfront and 500' of frontage on Placida Road (CR-775).
Facts & features
The home at a glance
10 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.
$37,178 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$37,178/mo
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.
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 16757% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 8440 PLACIDA ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$190,000
8409 PLACIDA ROAD UNIT 405
2 bd · 2 ba · 903 sqft · $210/sqft · 14 DOM
Sold · Sep ’25$280,000
8413 PLACIDA ROAD UNIT 205
2 bd · 2 ba · 903 sqft · $310/sqft · 107 DOM
Sold · Apr ’26$525,000
290 S GULF BOULEVARD UNIT 31
2 bd · 1.5 ba · 990 sqft · $530/sqft · 350 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 8440 PLACIDA ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8440 PLACIDA 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
8440 PLACIDA ROAD FAQs
What would the monthly payment be for 8440 PLACIDA ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $37,178/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 8440 PLACIDA ROAD?+
The most recent tax bill on record (2025) was $35,630. 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 8440 PLACIDA 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 $5,900,000, this home is listed about 809% above the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8440 PLACIDA 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.
The brief
Four things that matter here
01Positioned at the premium end
$5,900,000 runs 16757% 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
234 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 BOCA GRANDE REAL ESTATE, INC. · Ralph DiLena, Jr.. MLS #D6145039.
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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