305 SPANIARDS ROAD, PLACIDA, FL, 33946
Active21 days on marketListed Oct 17, 2026MLS #GC544229
About this home
305 SPANIARDS ROAD
EXCEPTIONAL 0.69-ACRE WATERFRONT HOMESITE IN CAPE HAZE A rare opportunity to create a distinctive waterfront estate in the sought-after coastal enclave of Cape Haze. This nearly cleared, estate-sized homesite encompasses approximately 0.69 acres and offers an impressive 127 feet of canal frontage - providing exceptional space for an architecturally designed residence, resort-style pool, expansive outdoor living areas and generous garaging. With no mandatory HOA fees and no deed restrictions, the property offers valuable freedom to realize a truly personal vision. The canal connects to the Gulf Intracoastal Waterway, with routes toward Placida Harbor and Kettle Harbor, placing renowned boating, fishing and cruising waters within reach. According to current FEMA mapping, the property is not located within a designated Special Flood Hazard Area. Surrounded by the natural beauty and understated elegance of Cape Haze, the property enjoys convenient access to upscale marinas, boat ramps, golf courses, nature preserves and waterfront dining. The celebrated beaches and island lifestyle of Boca Grande, Englewood and Manasota Key are only a short drive away. Whether envisioned as a private seasonal retreat or a sophisticated full-time residence, this remarkable homesite combines substantial acreage, exceptional canal frontage, boating connectivity and development flexibility in one of Southwest Florida’s most desirable coastal settings. (The seller resides abroad and is personally known to the listing agent.)
Facts & features
The home at a glance
0.69 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 — not generic estimates.
$5,356 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$5,356/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Where it sits
Inside Cape Haze
Get to know Placida. See the full Placida guide →
Cape Haze — neighborhood snapshot
Population
238
Median age
62
Median income
$68,088
Median home value
$842,600
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
$775K → $412K
Placida median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1792% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 305 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 · Mar ’26$305,000
310 GREEN DOLPHIN DRIVE · same community
2 bd · 2 ba · 1,391 sqft · $219/sqft · 278 DOM
Sold · Mar ’26$460,000
4636 ARLINGTON DRIVE · same community
3 bd · 2 ba · 1,706 sqft · $270/sqft · 101 DOM
Sold · Feb ’26$753,000
530 SPANIARDS ROAD · same community
3 bd · 2 ba · 1,934 sqft · $389/sqft · 210 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 305 SPANIARDS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 305 SPANIARDS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
305 SPANIARDS ROAD FAQs
What would the monthly payment be for 305 SPANIARDS ROAD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,356/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 305 SPANIARDS ROAD?+
The most recent tax bill on record (2025) was $6,341. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Placida?+
At $700,000, this home is listed about 13% above the Placida median of $619,950. The market section on this page shows how the area is trending.
Which schools are assigned to 305 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
Three things that matter here
01Positioned at the premium end
$700,000 runs 1792% above the PLACIDA 33946 median.
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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE GVILLE · Alena Knoepfler. MLS #GC544229.
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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