10460 SUNNY DREAMS TERRACE, PLACIDA, FL, 33946
Active141 days on marketListed Mar 19, 2026MLS #D6146658
About this home
10460 SUNNY DREAMS TERRACE
Situated in the seclusion of Florida's Palm Island lies The Heron — one of the region's most pristine waterfront estates. This exceptional residence offers four bedrooms and four and a half bathrooms within 4264 square feet of living space, featuring extensive interior and exterior upgrades and over 2.5 acres of lush grounds on the Intracoastal with gorgeous water views, a private dock, and two boat lifts. As you enter the lush grounds, you feel transported to a private resort. Enjoy elegant furnishings and décor, sparkling water views from almost every room, a recently upgraded kitchen, a great room with a soaring ceiling opening to a spacious deck, balconies overlooking the Intracoastal from every level, a spacious game room with a pool table, a fitness room, and an elevator. The interior, with updates in 2022 boasts natural granite, glass lighting, Sub-Zero and Wolf appliances, custom woodwork and cabinetry, electric blinds, a coral fireplace and columns, cut glass accents, and top-of-the-line hurricane-resistant windows and doors. The exterior is a tropical oasis reminiscent of a Bali resort with a saltwater lagoon pool, rock waterfall and spa, fire pit, gas tiki torches, and a tiki hut. Fine mesh screens allow you to enjoy the outstanding sunrises and sunsets from one of the many porches or balconies. Palm Island offers beautiful beaches and security with its private car ferry. This compound also features a deep-water 50-foot dock and two lifts (16,000 lbs. and 7,000 lbs.), along with a private fishing pier. The property can accommodate another house or guest house, helipad, or tennis court. Just minutes away by car or boat to popular local areas like Boca Grande and Manasota Key. This remarkable estate offers the very best of island, boating, and beach lifestyle living.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,264
Sqft
2.51 ac
Lot size
4
Garage
2006
Year built
Two
Levels
$856
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.
$24,661 /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
$24,661/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
$856 vs $365
Days on market
141 vs 101 typical
Where $856/sqft sits among the 150 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 → $595K
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 10332% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 10460 SUNNY DREAMS TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$3,800,000
391 N GULF BOULEVARD
4 bd · 3.5 ba · 4,158 sqft · $914/sqft · 46 DOM
Sold · Sep ’25$1,700,000
3 POINTE WAY
4 bd · 4 ba · 3,500 sqft · $486/sqft · 10 DOM
Sold · Sep ’25$1,400,000
50 TARPON WAY
4 bd · 4.5 ba · 2,925 sqft · $479/sqft · 157 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 10460 SUNNY DREAMS TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10460 SUNNY DREAMS TERRACE — 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
10460 SUNNY DREAMS TERRACE FAQs
What would the monthly payment be for 10460 SUNNY DREAMS TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $24,661/mo — principal and interest, the actual property-tax bill, the $54/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 10460 SUNNY DREAMS TERRACE?+
The association fee works out to $54 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10460 SUNNY DREAMS TERRACE?+
The most recent tax bill on record (2025) was $40,592. 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 10460 SUNNY DREAMS TERRACE?+
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 $3,650,000, this home is listed about 462% above the Placida median of $649,450. The market section on this page shows how the area is trending.
Which schools are assigned to 10460 SUNNY DREAMS TERRACE?+
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
Three things that matter here
01Positioned at the premium end
$3,650,000 runs 10332% above the PLACIDA 33946 median — but at 4,264 sqft it's also nearly 2 times the size of the typical Placida listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong 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 MICHAEL SAUNDERS & COMPANY · Kevin Mackin. MLS #D6146658.
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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