Steeve Cadeau
$1,490,0003 bd3.5 ba2,940 sqft$507 /sqft$10,374 /mo all-in ↓

11000 PLACIDA ROAD UNIT 2103, PLACIDA, FL, 33946

Active189 days on marketListed Jan 15, 2026MLS #D6145395

WaterfrontCondominiumPLACIDA HARBOUR PH 04 BLDG 21

About this home

11000 PLACIDA ROAD UNIT 2103

Experience elevated coastal living at Placida Harbour Club, an exceptional amenity-rich waterfront community that blends refined luxury with a true resort-style lifestyle. This sought-after enclave offers its own deep-water marina and private ferry service to the pristine, uncrowded beaches of Little Gasparilla Island. Extensive community-wide improvements and renovations are nearing completion, further enhancing Placida Harbour Club’s reputation as one of the premier waterfront destinations on the mainland. Boating enthusiasts will love the newly renovated marina featuring dredging, new seawalls, scenic waterfront walkways, and composite docks with 70 slips equipped with electric and water, plus a kayak launch and direct access to the Intracoastal Waterway and Gulf of Mexico. A new private ferry accommodating up to 20 passengers provides effortless access to the island’s clubhouse, pool, and beaches, with a brand-new composite pier and additional boat slips on Little Gasparilla Island. Residents also enjoy two clubhouses and pools on the mainland—one overlooking the Intracoastal with a heated pool perfect for water aerobics or simply relaxing while boats pass by, and another overlooking the marina where dolphins and manatees are frequent visitors—along with onsite pickleball and tennis courts & a newly expanded and renovated fitness center. This prestigious residence offers the ultimate in turnkey convenience, being fully furnished and ready for immediate enjoyment, and presents a rare opportunity to own one of the very few homes in Placida Harbour Club featuring a four-car tandem garage with extra storage. As the largest floor plan in the community, this spacious upper-level residence boasts soaring ceilings, spectacular marina and Intracoastal views, and a well-designed layout with three bedrooms, three-and-a-half baths, a loft, and abundant storage. The lower level includes the primary suite, an additional en suite, the main living area, a well-appointed kitchen with breakfast nook/sunroom, laundry, and a half bath, while the upper level offers a private en suite, a versatile loft with alcove, and walk-in attic storage. Thoughtful updates include a Culligan water softener (2024), two new air-conditioning units (2024), a tankless water heater (2024), updated KitchenAid built-in convection oven/microwave & dishwasher (2024) and a freshly painted exterior with metal roof and gutters (2023-2024). The gourmet kitchen features a Sub-Zero refrigerator/freezer, Jenn Air cooktop, warming drawer, built-in wine cooler, custom cabinetry, and an elegant custom hand painted tray ceiling with crown molding. Polished shell stone flooring with limestone and fossil accents highlights the main living areas, complemented by engineered wood flooring in the lower level suites, plantation shutters, hurricane shutters, and a spa-inspired primary bath featuring a rain shower, with jets, customizable temperature settings and accent lighting . From your private lanai, savor sweeping marina and Intracoastal views while watching boats glide by and dolphins and manatees play, all just 1.5 miles from the Boca Grande Causeway and close to golf courses, beaches, dining, and more. County Record shows 4 bedrooms, A/C sq. feet as 2869 and total sq. feet as 2869. Builder shows 2940 sq. feet A/C and total sq. feet at 3423. Buyer’s and buyer’s agent must complete due diligence.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,940

Sqft

0 ac

Lot size

4

Garage

1991

Year built

Two

Levels

$507

Per sqft

WaterfrontFireplaceWater viewTurnkeyPets allowed

Inside

FlooringCarpet · Engineered Hardwood · Quarry Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Microwave · Refrigerator · Tankless Water Heater · Washer · Water Softener · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral
FurnishedTurnkey

Outside & construction

RoofMetal · Other
ConstructionBlock · Stucco
FoundationStem Wall
ViewWater
FacesNorthwest
ExteriorHurricane Shutters · Irrigation System · Rain Gutters · Sliding Doors · Storage

Community & fees

HOA fee$523/mo
Taxes (2025)$13,102/yr
PetsYes
CommunityBay/Harbor Front · Boat Slip · Intracoastal Waterway · Marina · Water Access · Waterfront · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Irrigation-Reclaimed Water · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Phone Available · Sewer Available · Sewer Connected · Sprinkler Recycled · Water Available · 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.

$10,374 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,040
PMI (est., until 20% equity)$559
Property tax — 2025 actual bill$1,092
Condo fee — from the listing$523
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $149,000Loan30-yr fixed at 6%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% · $149,000
Interest rate6.00%
Loan term

Estimated payment

$10,374/mo

Principal & interest$8,040
PMI (est., until 20% equity)$559
Property taxes (actual bill)$1,092
HOA / condo fee$523
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.

Where it sits

Inside Placida

Map of 11000 PLACIDA ROAD UNIT 2103

Get to know Placida. See the full Placida guide →

PLACIDA 33946 — neighborhood snapshot

Population

2,745

Median age

63.2

Median income

$93,466

Median home value

$626,500

Avg household

2.02

Households w/ children

86%

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 buyer12.6 months of inventoryBuyer’s 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 4157% above the PLACIDA 33946 median. See the full Placida market guide →

Paper trail

This home's history

Jan 15, 2026Listed at $1,490,000 · 189 days on market since
1991Built · PLACIDA HARBOUR PH 04 BLDG 21

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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 11000 PLACIDA ROAD UNIT 2103 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11000 PLACIDA ROAD UNIT 2103 — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

11000 PLACIDA ROAD UNIT 2103 FAQs

What would the monthly payment be for 11000 PLACIDA ROAD UNIT 2103?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,374/mo — principal and interest, the actual property-tax bill, the $523/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 11000 PLACIDA ROAD UNIT 2103?+

The association fee works out to $523 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 11000 PLACIDA ROAD UNIT 2103?+

The most recent tax bill on record (2025) was $13,102. 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 11000 PLACIDA ROAD UNIT 2103?+

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 $1,490,000, this home is listed about 130% above the Placida median of $649,000. The market section on this page shows how the area is trending.

Which schools are assigned to 11000 PLACIDA ROAD UNIT 2103?+

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

$1,490,000 runs 4157% above the PLACIDA 33946 median — but at 2,940 sqft it's also 65% 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.

03Know the monthly fee

The association fee is $523/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04Time on market is leverage

189 days on market against a Placida median of 91 — sellers in this position are usually ready to negotiate.

05Strong 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 & COMPANY · Debi Benson, PA. MLS #D6145395.

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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