431 KETTLE HARBOR DRIVE, PLACIDA, FL, 33946
Active107 days on marketListed Apr 7, 2026MLS #D6146917
About this home
431 KETTLE HARBOR DRIVE
You will fall in love with this 3 bedroom 2 bath home on Kettle Harbor with quick boat access to the Intracoastal Waterway!!! Open floor plan with stunning views of Kettle Harbor and amazing sunsets over the Gulf. Being sold furnished. Home has tile floors in the living area and carpet in the bedrooms, corian countertops and stainless steel GE appliances. Upgrades include: ceiling fans, light fixtures, AC/air handler, door handles, 220V exterior circuit box for electric vehicle charging, metal roof, hardie board siding and soffits, windows, bottom fascia, pool heat pump and pool pump. Dock has a 10,000 lb Deco boat lift and jet ski/skiff/inflatable boat lift. Property is located on Don Pedro-Knight-Palm Island, a bridgeless barrier island, accessible only via private boat or a 4 minute car passenger ferry. Island is situated between Ft. Myers/Naples to the south and Sarasota/Tampa to the north. Enjoy walking the white sand, uncrowded beaches searching for shells and shark's teeth, boating, fishing, bicycling, kayaking, paddle boarding and swimming in the green blue waters of the Gulf. Buy your piece of island paradise today!!!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,916
Sqft
0.25 ac
Lot size
2007
Year built
One
Levels
$822
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.
$10,655 /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
$10,655/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.
vs edgeAI estimate
+89.6%
Days on market
107 vs 91 typical
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)
Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4400% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
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 431 KETTLE HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 431 KETTLE HARBOR DRIVE — 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
431 KETTLE HARBOR DRIVE FAQs
What would the monthly payment be for 431 KETTLE HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,655/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 431 KETTLE HARBOR DRIVE?+
The most recent tax bill on record (2024) was $16,868. 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 431 KETTLE HARBOR DRIVE?+
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 $1,575,000, this home is listed about 143% above the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 431 KETTLE HARBOR DRIVE?+
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
$1,575,000 runs 4400% 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.
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.
Listing courtesy of ISLANDER PROPERTIES INC · Robin Madden. MLS #D6146917.
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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