8776 CONCH AVENUE, PLACIDA, FL, 33946
Active93 days on marketListed Apr 17, 2026MLS #D6147113
About this home
8776 CONCH AVENUE
Welcome to your slice of coastal luxury in the highly sought-after gated community of Coral Caye in Placida. Built in 2021, this beautifully upgraded three-bedroom, two-bath home offers 2,151 square feet of thoughtfully designed living space, perfectly blending comfort, style, and functionality. Enter to breathtaking large entry and open concept living, dining room and spacious kitchen with 42" upgraded cabinetry. Ten-foot ceilings with detailed tray ceiling and crown moldings in both the living area and the primary bedroom. Living room has expansive open space with extra-large ceiling fan, chandelier and matching pendant lights over extra-large quartz island with additional storage cabinets and beverage refrigerator. Upgraded light switches in laundry room, pantry, primary closets are motion activated. Hurricane rated slider, with custom sliding both ways and custom shade which opens onto the oversized extended level lanai — no step down — with upgraded screening to help with insects. Large six-person hot tub with beautiful lights and fountain for enjoyment. Pavers were recently sealed, along with the front steps, walkway and driveway which will be good for many years. Landscaped with beautiful flowering hibiscus and bird of paradise. Extra-large primary bath with double sinks, large mirror, water closet, comfort height toilet and zero entry shower, Bedrooms have extra-large closets, front bedroom has additional ceiling fan with remote controlled lighting. Smoke detectors and CO2 are hardwired alarms. The kitchen features under-cabinet lighting, and enhanced fixtures, all complemented by stylish beadboard accents and luxury vinyl plank flooring throughout the main living areas. The split floor plan offers privacy for both owners and guests. Additional highlights include crown molding, 8-foot interior doors, upgraded lighting and ceiling fans throughout, and a well-appointed laundry room with utility sink and abundant storage, including a large pantry. Practical upgrades abound with high-impact windows, a durable metal roof, extra insulation for energy efficiency, and a 4-foot garage extension for added space. The home also includes a generator with a dedicated outlet for peace of mind. Even better, the flood insurance policy is assumable, offering additional value and convenience. Residents of Coral Caye enjoy exceptional amenities including a beautiful clubhouse, resort-style swimming pool, pickleball courts, and a fully equipped fitness center—perfect for an active and social lifestyle. Ideally located just moments from Boca Grande, you’ll have easy access to some of Southwest Florida’s most stunning beaches along with world-class boating, fishing, kayaking, scenic bike paths, and hiking trails. Enjoy miles of surrounding waterways, charming local restaurants, and boutique shopping that make this coastal area so special. This exceptional home combines modern upgrades, thoughtful design, and picturesque surroundings—an ideal opportunity to enjoy the very best of Florida coastal living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,151
Sqft
0.22 ac
Lot size
2
Garage
2021
Year built
One
Levels
$302
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.
$4,823 /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
$4,823/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
+42%
$/sqft vs Placida actives
$302 vs $382
Days on market
93 vs 91 typical
Where $302/sqft sits among the 170 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)
70 of 170
Placida actives have cut their price
Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1757% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 8776 CONCH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$650,000
10390 COQUINA COURT · same community
3 bd · 2 ba · 2,154 sqft · $302/sqft · 5 DOM
Sold · Apr ’26$735,000
10487 COQUINA COURT · same community
3 bd · 3.5 ba · 2,169 sqft · $339/sqft · 128 DOM
Sold · Mar ’26$625,000
8768 CONCH AVENUE · same community
3 bd · 3 ba · 2,126 sqft · $294/sqft · 104 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 8776 CONCH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8776 CONCH AVENUE — 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
8776 CONCH AVENUE FAQs
What would the monthly payment be for 8776 CONCH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,823/mo — principal and interest, the actual property-tax bill, the $350/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 8776 CONCH AVENUE?+
The association fee works out to $350 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8776 CONCH AVENUE?+
The most recent tax bill on record (2025) was $6,747. 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 8776 CONCH AVENUE?+
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 $650,000, this home is priced right at the Placida median.
Which schools are assigned to 8776 CONCH AVENUE?+
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
01Positioned at the premium end
$650,000 runs 1757% above the PLACIDA 33946 median — but at 2,151 sqft it's also 21% larger than 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.
04The price has already moved
Listed at $655,000, now $650,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & CO. - BOCA · Marcy Davis. MLS #D6147113.
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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