7201 RUM BAY DR UNIT 4122A, PLACIDA, FL, 33946
Active149 days on marketListed Feb 24, 2026MLS #D6146304
About this home
7201 RUM BAY DR UNIT 4122A
Fractional Ownership. Own your slice of paradise with this quarter-ownership condominium villa. Ownership includes six two-week stays scheduled throughout the year, plus one additional week in January. The rotation schedule adjusts annually, allowing each owner to enjoy all 52 weeks over a four-year cycle. Professional on-site management handles property maintenance, offering true hassle-free ownership. Situated within an intimate, exclusive vacation community, owners enjoy full access to the amenities, services, and facilities of Palm Island Resort—including seven miles of pristine, natural Florida beach. The villa offers a spacious, open-concept living and entertainment area that flows seamlessly onto a large, screened porch—perfect for relaxing and enjoying the coastal breeze. The primary suite also features direct access to the lanai, also features a walk-in closet and a well-appointed bath and dressing area. Recent improvements following Hurricane Ian are nearly complete and include new impact-rated roofs, windows, and sliding glass doors, luxury laminate flooring throughout the main living areas, new carpet in the bedrooms, and updated kitchen cabinetry—making the residence feel fresh and like new. Located between Ft. Myers and Sarasota on a barrier island only accessible by car ferry or boat. A great way to own on an island! Experience the sun, sand, and carefree island lifestyle in this exceptional shared-ownership retreat.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,262
Sqft
0.18 ac
Lot size
1989
Year built
One
Levels
$25
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 and the real association fee — not generic estimates.
$1,406 /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
$1,435/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
vs edgeAI estimate
−90%
$/sqft vs Placida actives
$25 vs $382
Days on market
149 vs 91 typical
Where $25/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)
65 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 9% below the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 7201 RUM BAY DR UNIT 4122A
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$22,000
7201 RUM BAY DRIVE UNIT 4122C · same community
2 bd · 2 ba · 1,262 sqft · $17/sqft · 769 DOM
Sold · Feb ’26$20,000
7221 RUM BAY DRIVE UNIT 4211D · same community
2 bd · 2 ba · 1,262 sqft · $16/sqft · 315 DOM
Sold · Jan ’26$14,500
7181 RUM BAY DRIVE UNIT 4011A · same community
2 bd · 2 ba · 1,262 sqft · $11/sqft · 48 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 7201 RUM BAY DR UNIT 4122A — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7201 RUM BAY DR UNIT 4122A — 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
7201 RUM BAY DR UNIT 4122A FAQs
What would the monthly payment be for 7201 RUM BAY DR UNIT 4122A?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,406/mo — principal and interest, estimated property taxes, the $1,043/mo association fee 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.
How much are the HOA fees at 7201 RUM BAY DR UNIT 4122A?+
The association fee works out to $1,043 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7201 RUM BAY DR UNIT 4122A?+
The most recent tax bill on record (2025) was $0. 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 7201 RUM BAY DR UNIT 4122A?+
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 $32,000, this home is listed about 95% below the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7201 RUM BAY DR UNIT 4122A?+
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
$32,000 is 9% below the PLACIDA 33946 median of $35,000, and at $25/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.
03Know the monthly fee
The association fee is $1,043/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 PALM ISLAND PROPERTIES INC · Lisa Halpin. MLS #D6146304.
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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