285 SPANIARDS ROAD, PLACIDA, FL, 33946
Active417 days on marketListed Jun 11, 2025MLS #D6142690
About this home
285 SPANIARDS ROAD
Nestled in the highly sought-after waterfront community of Cape Haze, this spacious 3-bedroom, 3-bathroom home with a dedicated office/den offers the perfect blend of comfort, space, and coastal charm. Situated on an oversized 0.76-acre lot along a deep-water, sailboat-accessible canal, this exceptional property delivers direct access to the Intracoastal Waterway and the Gulf of Mexico with no fixed bridges, making it a dream destination for boating enthusiasts and anglers alike. Imagine stepping out your back door and cruising through the sparkling waterways of Southwest Florida, spending the day fishing in the Gulf, island hopping to Boca Grande, or enjoying sunset cruises right from your own backyard. With quick and convenient access to open water, this home offers the ultimate Florida boating lifestyle. A circular driveway and grand entrance create an impressive first impression, welcoming you into the home’s spacious and elegant layout. Inside, you’ll find a sprawling custom floor plan with open living and dining areas designed for effortless entertaining. The spacious kitchen is ready for your personal touch, while large windows throughout the home showcase beautiful water views and fill the interior with natural light. The versatile office/den offers the perfect space for working from home, a media room, or a quiet reading retreat. Step outside to your private waterfront oasis, where a heated saltwater pool and spa sit beneath a panoramic screen enclosure overlooking the tranquil canal. The expansive covered lanai is ideal for outdoor dining, relaxing in the shade, or enjoying peaceful mornings watching boats glide by. The oversized lot features low-maintenance shell landscaping and mature tropical plantings, creating a serene coastal setting with exceptional privacy. Located just minutes from the white-sand beaches of Boca Grande and Englewood, and close to shopping, dining, marinas, and world-class fishing, this home is perfectly positioned to enjoy the very best of the Florida lifestyle. Whether you’re entertaining guests, unwinding poolside, heading offshore for a day on the water, or exploring the Intracoastal by boat, this property captures the true essence of luxury waterfront living. Bring your vision and make this waterfront gem your own — a rare opportunity in one of Southwest Florida’s most desirable boating communities.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,010
Sqft
0.76 ac
Lot size
2
Garage
1994
Year built
One
Levels
$482
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.
$9,332 /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
$9,332/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
+5.2%
$/sqft vs CAPE HAZE
$482 vs $314
Days on market
417 vs 91 typical
Where $482/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 Cape Haze
Get to know Placida. See the full Placida guide →
Cape Haze — neighborhood snapshot
Population
216
Median age
62
Median income
$81,528
Median home value
$811,600
Avg household
2
Households w/ children
1%
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)
4 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 4043% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 285 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 · May ’26$1,750,000
90 BUCCANEER BEND · same community
3 bd · 3 ba · 2,834 sqft · $618/sqft · 25 DOM
Sold · Apr ’26$3,750,000
55 SPYGLASS ALLEY · same community
3 bd · 2.5 ba · 2,660 sqft · $1,410/sqft · 23 DOM
Sold · Feb ’26$2,200,000
75 SPYGLASS ALLEY · same community
3 bd · 3 ba · 2,648 sqft · $831/sqft · 319 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 285 SPANIARDS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 285 SPANIARDS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
285 SPANIARDS ROAD FAQs
What would the monthly payment be for 285 SPANIARDS ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,332/mo — principal and interest, the actual property-tax bill, the $38/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 285 SPANIARDS ROAD?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 285 SPANIARDS ROAD?+
The most recent tax bill on record (2024) was $9,199. 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 285 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 $1,449,899, this home is listed about 123% above the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 285 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
$1,449,899 runs 4043% above the PLACIDA 33946 median — but at 3,010 sqft it's also 69% 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
417 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 $1,749,000, now $1,449,899 — a $299K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Chris Lee. MLS #D6142690.
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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