20 SPANIARDS ROAD, PLACIDA, FL, 33946
Active26 days on marketListed Jun 24, 2026MLS #D6147592
About this home
20 SPANIARDS ROAD
Welcome to your private tropical retreat in the highly desirable Cape Haze community of Placida. Nestled among mature palms and a citrus orchard, this 3-bedroom, 1.5-bath home offers a rare blend of privacy, character, and modern updates just minutes from Boca Grande and the Gulf beaches. Recent improvements include a new roof (2023), new septic system, all new appliances, a remodeled kitchen, and an updated bathrooms. The freshly painted interior creates a bright and inviting atmosphere, while the home’s unique setting provides a peaceful escape surrounded by lush tropical landscaping. Outdoor living is a standout feature, with over 700 square feet of covered patio space and more than 500 square feet of additional open patio areas—perfect for entertaining guests, enjoying your morning coffee, or relaxing in your own private oasis. Located in the sought-after Cape Haze area, you’ll enjoy convenient access to Boca Grande, marinas, golf courses, public boat ramps, waterfront dining, world-class fishing, and some of Southwest Florida’s most beautiful beaches. Whether you’re looking for a full-time residence, seasonal getaway, or investment opportunity, this property offers an exceptional combination of privacy, updates, outdoor living, and location. Schedule your private showing today and experience the Florida lifestyle you’ve been searching for.
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
1,512
Sqft
0.66 ac
Lot size
1963
Year built
One
Levels
$331
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.
$3,739 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,739/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−18.1%
$/sqft vs CAPE HAZE
$331 vs $314
Days on market
26 vs 91 typical
Where $331/sqft sits among the 8 homes for sale in CAPE HAZE
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)
5 of 8
CAPE HAZE have cut their price
Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1328% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 20 SPANIARDS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$305,000
310 GREEN DOLPHIN DRIVE · same community
2 bd · 2 ba · 1,391 sqft · $219/sqft · 278 DOM
Sold · Mar ’26$460,000
4636 ARLINGTON DRIVE · same community
3 bd · 2 ba · 1,706 sqft · $270/sqft · 101 DOM
Sold · Feb ’26$753,000
530 SPANIARDS ROAD · same community
3 bd · 2 ba · 1,934 sqft · $389/sqft · 210 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 20 SPANIARDS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 SPANIARDS 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.
Straight answers
20 SPANIARDS ROAD FAQs
What would the monthly payment be for 20 SPANIARDS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,739/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 20 SPANIARDS ROAD?+
The most recent tax bill on record (2025) was $4,975. 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 20 SPANIARDS 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 $499,900, this home is listed about 23% below the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20 SPANIARDS 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY OF VENICE · Chad Goodwin. MLS #D6147592.
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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