David Ramirez
$3,900,0002 bd1 ba1,494 sqft$2,610 /sqft$23,081 /mo all-in ↓

12500 PLACIDA ROAD, PLACIDA, FL, 33946

Active100 days on marketListed Apr 14, 2026MLS #D6146970

WaterfrontSingle Family ResidenceN/A

About this home

12500 PLACIDA ROAD

A Once in a Lifetime Waterfront Opportunity Near the Boca Grande Causeway, Offering 4.37± Acres with 2.49± Acres of Uplands and 1.88± Acres of Submerged Land. Offering direct access to local sandbars, Charlotte Harbor’s world class tarpon fishing, and open Gulf waters, this setting creates the perfect backdrop to create a one of a kind retreat. The existing home reflects a piece of Florida’s past and has experienced significant storm damage, presenting an opportunity for a restoration or complete redevelopment. Hardwood flooring, French doors, and built-in cabinetry offer glimpses of its original character. Mature trees frame the property, creating a sense of privacy and a connection to its history. While the structure remains, the true value lies in the land, the expansive water views, and the rare setting that is increasingly difficult to find. The submerged land ownership is a valuable advantage, potentially streamlining the process for future dock construction or other waterfront improvements. Panoramic water views stretch across the bay toward Boca Grande, creating a setting that is truly unmatched. The 2025 concrete seawall provides a strong foundation for a future dock and boat lift, where you can be on the water within minutes, enjoy sunset cruises from your backyard, or spend the day exploring the surrounding islands. Dolphin, osprey, and manatee are frequent visitors, adding to the natural beauty that surrounds you. Beyond the property, the location places you at the center of a lifestyle rich in history and charm. Just across the bridge, Boca Grande is known for its quiet elegance, uncrowded beaches, and the legendary Gasparilla Inn and Club, a landmark destination that has welcomed generations with fine dining and championship golf. The nearby Boca Grande Marina provides full service amenities for boaters, while Coral Creek Club and Lemon Bay Golf Club offer exceptional golf experiences set within beautifully preserved natural surroundings. For those traveling by air, Coral Creek Airport is just minutes away, offering convenient private plane access. In nearby Englewood, you will find a variety of activities including golf, pickleball, waterfront dining, and tiki bars, along with convenient access to shopping and medical facilities for comfortable, everyday living. With 4.37± acres, the property offers exceptional flexibility whether you envision renovating what is here, creating a brand new private estate with a pool and guest home, or exploring potential subdivision opportunities. Positioned at the gateway to Boca Grande, 12500 Placida Road is a rare opportunity to own a property that reflects a bygone era and shape it into something truly special.

Facts & features

The home at a glance

2

Bedrooms

1

Bathrooms

1,494

Sqft

4.37 ac

Lot size

2

Garage

1947

Year built

One

Levels

$2,610

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringTile · Hardwood
AppliancesMicrowave · Range
InteriorBuilt-in Features · Ceiling Fan(s) · Solid Surface Counters · Thermostat · Tray Ceiling(s) · Window Treatments
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationCrawlspace · Slab
ViewWater
FacesNortheast
ParkingDriveway · Garage Door Opener
ExteriorHurricane Shutters · Rain Gutters

Community & fees

Taxes (2025)$4,972/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Public · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$23,081 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$21,044
PMI (est., until 20% equity)$1,463
Property tax — 2025 actual bill$414
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $390,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $390,000
Interest rate6.00%
Loan term

Estimated payment

$23,081/mo

Principal & interest$21,044
PMI (est., until 20% equity)$1,463
Property taxes (actual bill)$414
Est. insurance$160

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.

List $3.9M
$217KedgeAI estimate $311,036 · range $226K$476K$4.1M

vs edgeAI estimate

+1153.9%

$/sqft vs N/A

$2,610 vs $288

Days on market

100 vs 91 typical

Where $2,610/sqft sits among the 227 homes for sale in N/A

192
22
9
1
0
3 · this home
$134–547$547–959$959–1372$1372–1785$1785–2198$2198+

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

Map of 12500 PLACIDA ROAD

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

MiddleL. A. Ainger Middle School★★★★★
ElementaryVineland Elementary School★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Placida market

Seller’s marketLeans buyer12.6 months of inventoryBuyer’s market

$475K$464K

Placida median sold, yr/yr

92.2%

Sale-to-list ratio (12 mo)

105 of 227

N/A have cut their price

Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 11043% above the PLACIDA 33946 median. See the full Placida market guide →

Paper trail

This home's history

Apr 14, 2026Listed at $3,900,000 · 100 days on market since
1947Built · N/A

Reality check

What actually sold near 12500 PLACIDA ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

911 NW 33RD AVENUESold · Dec ’25

$285,000

911 NW 33RD AVENUE · same community

3 bd · 2 ba · 1,454 sqft · $196/sqft · 80 DOM

13905 SW 143RD STREETSold · Dec ’25

$289,000

13905 SW 143RD STREET · same community

2 bd · 2 ba · 1,548 sqft · $187/sqft · 45 DOM

146 BARRINGTON AVENUESold · Dec ’25

$270,000

146 BARRINGTON AVENUE · same community

4 bd · 2 ba · 1,554 sqft · $174/sqft · 6 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 12500 PLACIDA ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12500 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.

Goes straight to David’s phone and CRM.

Straight answers

12500 PLACIDA ROAD FAQs

What would the monthly payment be for 12500 PLACIDA ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $23,081/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 12500 PLACIDA ROAD?+

The most recent tax bill on record (2025) was $4,972. 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 12500 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 $3,900,000, this home is listed about 501% above the Placida median of $649,000. The market section on this page shows how the area is trending.

Which schools are assigned to 12500 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

Three things that matter here

01Positioned at the premium end

$3,900,000 runs 11043% 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 RE/MAX ALLIANCE GROUP · Carla Stiver, PA. MLS #D6146970.

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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