CENTURY 21 Edge
$1,599,999$1,899,9003 bd2 ba2,192 sqft$730 /sqft$10,081 /mo all-in ↓

245 SPANIARDS ROAD, PLACIDA, FL, 33946

Active793 days on marketListed May 21, 2024MLS #D6136615

Reduced $300KWaterfrontPrivate poolSingle Family ResidenceCAPE HAZE

About this home

245 SPANIARDS ROAD

Sunsets!! Sunsets!! and more Sunsets!! While sitting in your backyard oasis enjoying the panoramic water views you will experience a different Florida sunset everyday of the year. This waterfront home offers an oversized lot (.51 acres) on a saltwater canal leading to the Intracoastal and Gulf of Mexico. If you value a great location for your activities by land or sea this home has it. Located only minutes from Boca Grande and Manasota Key beaches by car or by boat, you'll likely choose your boat. As you approach the front door you'll admire the Bahama shutters giving the home a coastal vibe. Upon entering the home, the first thing you'll notice is the spacious living area and large expansive wall of glass sliders leading to views of the pool and waterfront. You then enter the spacious kitchen which has been recently updated with plenty of counter space and cabinet storage. The kitchen opens to a spacious Family room that will probably be where you spend most of your time. As you exit the main living space to your expansive enclosed lanai your heart should really start to beat faster. This area features a large deck surrounding your pool and spa. The dock area and waterfront features are probably the most important. It allows you the ability to have your water based toys all in one spot. The area features two covered boat lifts, one being a 12,000lbs lift and the other a 16,000lbs lift, at the same time leaving room for an even bigger vessel. The home also incorporates a storage area off the back of the home for all your pool and boating items. This setup is very difficult to find and won't leave you disappointed. If you are into adventure this house needs to make your short list. Back inside the master suite is large and spacious with direct access to the lanai and pool area. It features a recently updated shower as well as plenty of storage space. The guest rooms are on the other side of the home and offer you and your guests much needed privacy. They share a recently updated bathroom and have access out to the pool area from their side of the home as well. This property has a newer roof (2023), Hurricane shutters (2020), A/C (2020), and boatlifts and canopies (2017). It also has shell landscaping over much of the property for ease of maintenance.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,192

Sqft

0.54 ac

Lot size

2

Garage

1987

Year built

One

Levels

$730

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringCeramic Tile
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewWater
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorHurricane Shutters · Rain Gutters · Sliding Doors · Storage

Community & fees

HOA fee$23/mo
Taxes (2023)$7,973/yr
PetsYes
CommunityFishing · Intracoastal Waterway · Waterfront · Clubhouse

Utilities & systems

UtilitiesElectricity Connected · Public · Water Connected
WaterPublic · Well

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.

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

Principal & interest$8,634
PMI (est., until 20% equity)$600
Property tax — 2023 actual bill$664
HOA fee — from the listing$23
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $160,000Loan30-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% · $160,000
Interest rate6.00%
Loan term

Estimated payment

$10,081/mo

Principal & interest$8,634
PMI (est., until 20% equity)$600
Property taxes (actual bill)$664
HOA / condo fee$23
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 $1.6M
$764KedgeAI estimate $879,052 · range $796K$1.0M$1.7M

vs edgeAI estimate

+82%

$/sqft vs CAPE HAZE

$730 vs $314

Days on market

793 vs 91 typical

Where $730/sqft sits among the 8 homes for sale in CAPE HAZE

2
5
0
1
0
0 · this home
$184–275$275–366$366–457$457–548$548–639$639+

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 245 SPANIARDS 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)

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 4471% above the PLACIDA 33946 median. See the full Placida market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,599,999 $300K
May 21, 2024Listed at $1,899,900 · 793 days on market since
1987Built · CAPE HAZE

Reality check

What actually sold near 245 SPANIARDS ROAD

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

85 SPANIARDS ROADSold · Apr ’26

$830,000

85 SPANIARDS ROAD · same community

3 bd · 2 ba · 2,093 sqft · $397/sqft · 115 DOM

345 GREEN DOLPHIN DRIVESold · Feb ’26

$2,550,000

345 GREEN DOLPHIN DRIVE · same community

3 bd · 3.5 ba · 2,089 sqft · $1,221/sqft · 147 DOM

365 CAPSTAN DRIVESold · Mar ’26

$579,000

365 CAPSTAN DRIVE · same community

3 bd · 2 ba · 2,346 sqft · $247/sqft · 222 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.

German Parra Tovar

Your agent

German Parra Tovar

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 245 SPANIARDS 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 245 SPANIARDS ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

245 SPANIARDS ROAD FAQs

What would the monthly payment be for 245 SPANIARDS ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,081/mo — principal and interest, the actual property-tax bill, the $23/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 245 SPANIARDS ROAD?+

The association fee works out to $23 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 245 SPANIARDS ROAD?+

The most recent tax bill on record (2023) was $7,973. 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 245 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 $1,599,999, this home is listed about 147% above the Placida median of $649,000. The market section on this page shows how the area is trending.

Which schools are assigned to 245 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.

The brief

Five things that matter here

01Positioned at the premium end

$1,599,999 runs 4471% above the PLACIDA 33946 median — but at 2,192 sqft it's also 23% 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.

03Time on market is leverage

793 days on market against a Placida median of 91 — sellers in this position are usually ready to negotiate.

04Strong 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.

05The price has already moved

Listed at $1,899,900, now $1,599,999 — a $300K cut. The full history is in the market section below.

Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Chris Lee. MLS #D6136615.

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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