19 LEMON BAY LANE, PLACIDA, FL, 33946
Active180 days on marketListed Jan 26, 2026MLS #D6145820
About this home
19 LEMON BAY LANE
Charming coastal cottage on "Palm Island"...newly built in 2024, offers the perfect blend of island charm, modern construction, and waterfront access with a deeded dock providing direct access to the Intracoastal Waterway and Gulf of Mexico — a boater’s dream. Designed for both beauty and durability, this home features cement board-and-batten siding, composite decking, hurricane impact windows and doors, and a metal roof, delivering peace of mind along with undeniable curb appeal. Inside, coastal finishes and breezy décor create true “vacation vibes” with 3 bedrooms, 2.5 baths, and a thoughtfully designed layout that feels relaxed yet refined. Enjoy morning coffee and evening cocktails on both the front and back porches, where gentle island breezes and the sounds of nature set the tone for daily life. Whether you’re entertaining guests or savoring quiet moments, this home is perfectly suited for laid-back coastal living. Life on Palm Island is unlike anywhere else — explore by golf cart, kayak through pristine waterways, cast a line in some of Southwest Florida’s best fishing spots, stroll uncrowded beaches filled with shells and sharks’ teeth, and cap each day with breathtaking sunsets over the Gulf.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,597
Sqft
0.22 ac
Lot size
2024
Year built
One
Levels
$726
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.
$7,629 /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
$7,629/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.
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 Placida actives
$726 vs $365
Days on market
180 vs 91 typical
Where $726/sqft sits among the 164 Placida actives
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)
67 of 164
Placida actives have cut their price
Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3214% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 19 LEMON BAY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$620,000
180 BOCILLA DRIVE · same community
2 bd · 2 ba · 1,507 sqft · $411/sqft · 7 DOM
Sold · Jun ’26$550,000
20 PALM DRIVE · same community
4 bd · 3 ba · 1,852 sqft · $297/sqft · 445 DOM
Sold · Nov ’25$1,550,000
460 KETTLE HARBOR DRIVE · same community
3 bd · 2.5 ba · 2,130 sqft · $728/sqft · 372 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 19 LEMON BAY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19 LEMON BAY LANE — 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
19 LEMON BAY LANE FAQs
What would the monthly payment be for 19 LEMON BAY LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,629/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 19 LEMON BAY LANE?+
The most recent tax bill on record (2025) was $9,299. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Placida?+
At $1,160,000, this home is listed about 79% above the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 19 LEMON BAY LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Courtney DeFilippis. MLS #D6145820.
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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