12 HARNESS ROAD, PLACIDA, FL, 33946
Active280 days on marketListed Oct 27, 2025MLS #D6144443
About this home
12 HARNESS ROAD
Build Your Florida Dream Home on this beautiful lot! This 1residential building lot on Harness Road in Rotonda Sands offers a perfect blend of convenience and coastal charm. The property has access to public water, public sewer, and high-speed internet, making it ready for your new home without the hassle of well water and septic. Located in a quiet, deed-restricted community with a very low HOA fee of just $145 per year, you’ll enjoy well-kept surroundings without unnecessary costs. The neighborhood sits just minutes from the beautiful beaches of Boca Grande, known for world-class fishing, boating, and laid-back island living. Outdoor enthusiasts will also love the nearby Cape Haze Pioneer Trail, a scenic biking and walking path that stretches for miles. Whether you’re planning to build now or invest for the future, this lot checks all the boxes like convenient location, modern utilities, and close proximity to everything that makes Southwest Florida living special!
Facts & features
The home at a glance
0.19 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.
$327 /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
$327/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.
Where it sits
Inside Rotonda Sands
Get to know Placida. See the full Placida guide →
Rotonda Sands — neighborhood snapshot
Population
212
Median age
64
Median income
$79,331
Median home value
$465,200
Avg household
2
Households w/ children
6%
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 49% below the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 12 HARNESS ROAD
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$304,900
14 CURRENT LANE · same community
3 bd · 2 ba · 1,663 sqft · $183/sqft · 216 DOM
Sold · Jun ’26$314,900
6 COCKPIT LANE · same community
3 bd · 2 ba · 1,663 sqft · $189/sqft · 59 DOM
Sold · May ’26$314,900
22 PENNANT COURT · same community
3 bd · 2 ba · 1,663 sqft · $189/sqft · 41 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12 HARNESS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 HARNESS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12 HARNESS ROAD FAQs
What would the monthly payment be for 12 HARNESS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $327/mo — principal and interest, the actual property-tax bill, the $12/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 12 HARNESS ROAD?+
The association fee works out to $12 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12 HARNESS ROAD?+
The most recent tax bill on record (2024) was $490. 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 12 HARNESS 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 $18,000, this home is listed about 97% below the Placida median of $649,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of PROGRAM REALTY, LLC · Jason Painter. MLS #D6144443.
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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