10450 SUNNY DREAMS TERRACE, PLACIDA, FL, 33946
Active95 days on marketListed Apr 30, 2026MLS #D6147186
About this home
10450 SUNNY DREAMS TERRACE
An exceptional opportunity to own nearly 2.5 acres on Palm Island with over 225 feet of Lemon Bay frontage. This exceptional vacant parcel offers the perfect setting to create a private coastal retreat surrounded by serene water views and Old Florida beauty. Included with the property is a deeded off-site 100-foot boat dock located within the yacht basin, providing outstanding boating access with no bridges to the Intracoastal Waterway and the Gulf. Nearby beach access places you moments from wide, pristine Gulf beaches, offering the best of both waterfront living and effortless beach enjoyment. Palm Island residents also have the opportunity to enjoy tennis and fitness memberships at Palm Island Resort, conveniently located close to the property, further enhancing the island lifestyle. Whether you envision a secluded estate or a waterfront getaway, this unique offering combines expansive acreage, direct bay frontage, and premier boating convenience in one extraordinary package.
Facts & features
The home at a glance
2.47 ac
Lot size
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.
$11,353 /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
$11,353/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.
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 5186% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 10450 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 · Jun ’26$252,500
7070 PLACIDA ROAD UNIT 1121
1 bd · 1 ba · 648 sqft · $390/sqft · 42 DOM
Sold · Sep ’25$165,000
2191 WILLIAMSBURG WAY
1 bd · 1 ba · 680 sqft · $243/sqft · 166 DOM
Sold · Sep ’25$150,000
7032 DUKE STREET
2 bd · 1 ba · 720 sqft · $208/sqft · 166 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 10450 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 10450 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
10450 SUNNY DREAMS TERRACE FAQs
What would the monthly payment be for 10450 SUNNY DREAMS TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,353/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 10450 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 10450 SUNNY DREAMS TERRACE?+
The most recent tax bill on record (2025) was $5,552. 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 10450 SUNNY DREAMS TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,850,000, this home is listed about 185% above the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10450 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
$1,850,000 runs 5186% 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.
Keep looking
Similar homes nearby
Listing courtesy of GULF TO BAY SOTHEBY'S INTERNAT · Shawna Wagar. MLS #D6147186.
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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