CENTURY 21 Edge
$630,0003 bd2 ba2,151 sqft$293 /sqft≈$5,273 /mo all-in ↓

8776 CONCH AVENUE, PLACIDA, FL, 33946

Active8 days on marketListed Oct 30, 2026MLS #D6149359

WaterfrontSingle Family ResidenceCORAL CAYE

About this home

8776 CONCH AVENUE

Discover the art of refined coastal living in this exceptional, beautifully upgraded residence in Coral Caye, one of Placida’s sought-after gated communities. Built in 2021, this impressive three-bedroom, two-bath home offers 2,151 square feet of thoughtfully designed living space, where soaring 10-foot ceilings, elegant tray ceilings, crown molding, and designer finishes create an atmosphere of effortless sophistication. The spacious open-concept living and dining areas flow seamlessly into a stunning kitchen featuring upgraded 42-inch cabinetry, quartz countertops, an oversized island with additional storage and a beverage refrigerator, under-cabinet lighting, and stylish pendant lights. Luxury vinyl plank flooring, eight-foot interior doors, upgraded lighting and ceiling fans, and thoughtful details throughout enhance the home’s modern appeal. The desirable split-bedroom floor plan provides privacy for owners and guests, while the expansive primary suite offers an oversized ensuite bath with dual vanities, a private water closet, a comfort-height toilet, and a zero-entry shower. Step through the hurricane-rated sliding glass door, complete with a custom shade, onto the oversized, step-free lanai with upgraded screening, where a lighted six-person hot tub and fountain create an inviting private retreat for relaxation and entertaining. Beautifully landscaped grounds feature flowering hibiscus and striking bird-of-paradise plants, while recently sealed pavers enhance the front steps, walkway, and driveway. Additional features include high-impact windows, a durable metal roof, extra insulation for energy efficiency, a four-foot garage extension, a generator with a dedicated outlet, hardwired smoke and carbon monoxide alarms, and a well-appointed laundry room with a utility sink, abundant cabinetry, a walk-in pantry and full home gutter system. Motion-activated lighting in the pantry, laundry room, and primary closets adds everyday convenience, and an assumable flood insurance policy may offer additional value, subject to insurer approval and eligibility. Residents of Coral Caye enjoy a beautiful clubhouse, resort-style swimming pool, pickleball courts, and a fully equipped fitness center. Ideally located just moments from Boca Grande, this exceptional home offers convenient access to Southwest Florida’s beautiful beaches, world-class boating and fishing, kayaking, scenic biking routes, hiking trails, charming restaurants, and boutique shopping. With its modern construction, extensive upgrades, thoughtful design, and inviting outdoor oasis, this is a wonderful opportunity to embrace the relaxed elegance and vibrant coastal lifestyle of Florida’s Gulf Coast. The Sellers are motivated.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,151

Sqft

0.22 ac

Lot size

2

Garage

2021

Year built

One

Levels

$293

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesBar Fridge · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · HardiPlank Type · Stone · Stucco
FoundationSlab · Stem Wall
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener · Ground Level
ExteriorGray Water System · Irrigation System · Lighting · Rain Gutters · Sliding Doors

Community & fees

HOA fee$350/mo
Taxes (2025)$6,747/yr
PetsYes
CommunityClubhouse · Community Mailbox · Fitness Center · Gated Community - No Guard · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Sewer Connected · Sprinkler Recycled · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$5,273 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$3,965
PMI (est., until 20% equity)$236
Property tax — 2025 actual bill$562
HOA fee — from the listing$350
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $63,000Loan30-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% · $63,000
Interest rate7.50%
Loan term

Estimated payment

$5,273/mo

Principal & interest$3,965
PMI (est., until 20% equity)$236
Property taxes (actual bill)$562
HOA / condo fee$350
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 $630K
$605KedgeAI estimate $651,743 · range $631K–$671K$698K

vs edgeAI estimate

−3.3%

$/sqft vs Placida actives

$293 vs $349

Days on market

8 vs 127 typical

Where $293/sqft sits among the 173 Placida actives

68 · this home
40
19
8
15
23
$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)

71 of 173

Placida actives have cut their price

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

This home is listed 1603% above the PLACIDA 33946 median. See the full Placida market guide →

Paper trail

This home's history

Oct 30, 2026Listed at $630,000 · 8 days on market since
2021Built · CORAL CAYE

Reality check

What actually sold near 8776 CONCH AVENUE

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

10390 COQUINA COURTSold · Jan ’26

$650,000

10390 COQUINA COURT · same community

3 bd · 2 ba · 2,154 sqft · $302/sqft · 5 DOM

10487 COQUINA COURTSold · Apr ’26

$735,000

10487 COQUINA COURT · same community

3 bd · 3.5 ba · 2,169 sqft · $339/sqft · 128 DOM

8768 CONCH AVENUESold · Mar ’26

$625,000

8768 CONCH AVENUE · same community

3 bd · 3 ba · 2,126 sqft · $294/sqft · 104 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 8776 CONCH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8776 CONCH AVENUE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

8776 CONCH AVENUE FAQs

What would the monthly payment be for 8776 CONCH AVENUE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,273/mo — principal and interest, the actual property-tax bill, the $350/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 8776 CONCH AVENUE?+

The association fee works out to $350 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 8776 CONCH AVENUE?+

The most recent tax bill on record (2025) was $6,747. 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 8776 CONCH AVENUE?+

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 $630,000, this home is listed about 2% above the Placida median of $619,950. The market section on this page shows how the area is trending.

Which schools are assigned to 8776 CONCH AVENUE?+

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

$630,000 runs 1603% above the PLACIDA 33946 median — but at 2,151 sqft it's also 20% 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.

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 MICHAEL SAUNDERS & CO. - BOCA · Marcy Davis. MLS #D6149359.

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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8776 Conch Avenue, Placida, FL — 3 Bed 2 Bath for Sale, $630K