CENTURY 21 Edge
$3,490,0004 bd3.5 ba4,356 sqft$801 /sqft≈$26,160 /mo all-in ↓

36 LEMON BAY LANE, PLACIDA, FL, 33946

Active17 days on marketListed Oct 21, 2026MLS #D6149208

WaterfrontPrivate poolFully furnishedSingle Family ResidencePALM ISLAND ESTATES UN 3

About this home

36 LEMON BAY LANE

Mediterranean architecture finds a fresh expression in this thoughtfully remodeled Palm Island waterfront residence, where gracious proportions meet a sophisticated eye for materials and detail. Set on one and a half lots, including an additional half-lot of lawn to the east, the property offers a generous island setting. Rich walnut, textured tile and carefully chosen finishes bring depth and individuality to the interiors, with distinctive touches that reward a closer look. Offering four bedrooms and three and a half baths, the home unfolds through arched passageways and light-filled spaces linked by travertine flooring throughout. A soaring two-story living room forms its architectural heart, framed by tall windows and a curved upper gallery with decorative ironwork. Nearby, a window-lined sitting room offers a quieter place to gather, with views of the surrounding tropical landscape. The remodeled kitchen balances cream cabinetry and pale, subtly veined countertops with the warmth of real walnut cabinetry, a sculptural walnut range hood and walnut-lined ceiling recesses. Patterned tile and globe pendants complete the composition, while a separate breakfast bar provides generous seating. A sunny breakfast nook brings the greenery into view. The adjacent beverage bar continues the thoughtful detailing with open wood shelving and a wave-textured backsplash. In the primary suite, an intricately coffered ceiling adds architectural dimension, while expansive windows and French doors opening to a private balcony connect the room to its waterfront setting. The adjoining bath features dual vanities, a freestanding tub and a separate shower. Outdoor living is equally compelling. Multiple balconies provide inviting spaces for dining and relaxing, overlooking a generous freeform pool and spa framed by palms and expansive paved terraces. Along the canal, private dockage includes two boat lifts with capacities of 8,000 and 33,000 pounds, both less than a year old. A sandy kayak launch offers another way to enjoy the water, with the Intracoastal Waterway just a few hundred feet away. For even more room to enjoy the outdoors, the adjacent lot to the west is available for separate purchase. An elevator, backup generator, impact windows and doors, and an on-demand propane water heater complement the home’s design with everyday convenience. From its dramatic central living space to the intimate details of its renovation, this distinctive island residence brings architectural presence and a personal sensibility to waterfront living.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

4,356

Sqft

0.34 ac

Lot size

2

Garage

2005

Year built

Two

Levels

$801

Per sqft

Private poolWaterfrontWater viewFurnishedPets allowed

Inside

FlooringBrick/Stone · Carpet · Ceramic Tile · Laminate
AppliancesBuilt-In Oven · Convection Oven · Dishwasher · Disposal · Dryer · Exhaust Fan · Gas Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · Elevator · High Ceilings · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air · Zoned
HeatingCentral · Zoned
FurnishedFurnished

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingCircular Driveway · Covered · Driveway · Garage Door Opener · Golf Cart Garage · Golf Cart Parking · Guest · Oversized · Parking Pad
ExteriorBalcony · Irrigation System · Outdoor Grill · Outdoor Kitchen · Rain Gutters · Sliding Doors · Smart Lock(s) · Storage

Community & fees

Taxes (2025)$32,748/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$26,160 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$21,962
PMI (est., until 20% equity)$1,309
Property tax — 2025 actual bill$2,729
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $349,000Loan30-yr fixed at 7.5%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% · $349,000
Interest rate7.50%
Loan term

Estimated payment

$26,160/mo

Principal & interest$21,962
PMI (est., until 20% equity)$1,309
Property taxes (actual bill)$2,729
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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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 $3.5M
$1.7MedgeAI estimate $1,931,078 · range $1.7M–$2.1M$3.6M

vs edgeAI estimate

+80.7%

$/sqft vs Placida actives

$801 vs $349

Days on market

17 vs 127 typical

Where $801/sqft sits among the 172 Placida actives

68
39
20
8
15
22 · this home
$191–304$304–418$418–531$531–645$645–758$758+

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

3,090

Median age

66.1

Median income

$85,848

Median home value

$660,800

Avg household

2.01

Households w/ children

105

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 buyer — 11.7 months of inventoryBuyer’s market

$775K → $412K

Placida median sold, yr/yr

93.1%

Sale-to-list ratio (12 mo)

72 of 172

Placida actives have cut their price

Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 9332% above the PLACIDA 33946 median. See the full Placida market guide →

Paper trail

This home's history

Oct 21, 2026Listed at $3,490,000 · 17 days on market since
2005Built · PALM ISLAND ESTATES UN 3

Reality check

What actually sold near 36 LEMON BAY LANE

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

62 TARPON WAYSold · Dec ’25

$1,240,000

62 TARPON WAY · same community

3 bd · 2.5 ba · 2,000 sqft · $620/sqft · 216 DOM

391 N GULF BOULEVARDSold · May ’26

$3,800,000

391 N GULF BOULEVARD

4 bd · 3.5 ba · 4,158 sqft · $914/sqft · 46 DOM

10540 AMBERJACK WAY UNIT 302Sold · Mar ’26

$400,000

10540 AMBERJACK WAY UNIT 302

4 bd · 3 ba · 2,761 sqft · $145/sqft · 869 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.

Leila Sabat

Your agent

Leila Sabat

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 36 LEMON BAY LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 36 LEMON BAY LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

36 LEMON BAY LANE FAQs

What would the monthly payment be for 36 LEMON BAY LANE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $26,160/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 36 LEMON BAY LANE?+

The most recent tax bill on record (2025) was $32,748. 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 36 LEMON BAY LANE?+

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 $3,490,000, this home is listed about 463% above the Placida median of $619,950. The market section on this page shows how the area is trending.

Which schools are assigned to 36 LEMON BAY LANE?+

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

$3,490,000 runs 9332% above the PLACIDA 33946 median — but at 4,356 sqft it's also nearly 2 times the size of 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.

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.

Listing courtesy of GULF TO BAY SOTHEBY'S INTERNAT · Melissa Csank. MLS #D6149208.

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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