97 KETTLE HARBOR DRIVE, PLACIDA, FL, 33946
Active3 days on marketListed Jul 17, 2026MLS #D6148113
About this home
97 KETTLE HARBOR DRIVE
Experience the ultimate Don Pedro Island waterfront lifestyle in this beautifully updated Key West-style home, perfectly positioned on nearly a half-acre in one of Southwest Florida's most desirable barrier island communities. Offering 2 spacious primary suites, 2.5 baths, and exceptional indoor-outdoor living, this move-in ready island retreat is ideal as a full-time residence, vacation home, or income-producing rental. Inside, you'll find a bright coastal interior featuring wood-look tile flooring, high coffered ceilings, impact-rated windows and doors, plantation shutters, granite countertops throughout, stainless steel appliances, and quality finishes at every turn. An air-conditioned bonus room with a half bath provides flexible space for a home office, guest overflow, fitness room, or game room. Designed for entertaining, the outdoor living space is truly spectacular. Relax in the resort-style pool featuring a swim-up bar with seating for six, host unforgettable gatherings in the covered outdoor kitchen and grilling area, or unwind beneath the expansive 12' x 36' covered lounge with metal roofing, composite decking, and louvered privacy walls. Additional features include an outdoor shower, golf cart garage/workshop, covered boat and vehicle parking. Boaters will love the shared dock and private boat ramp on Kettle Harbor, providing direct, no-bridge access to the Intracoastal Waterway and the Gulf of America. Spend your days fishing, boating, shelling, or exploring nearby Palm Island, Boca Grande, Stump Pass, and the pristine Gulf beaches, then return home to breathtaking sunset views over Kettle Harbor.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,264
Sqft
0.42 ac
Lot size
2013
Year built
One
Levels
$1,025
Per sqft
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.
$9,030 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$9,030/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.
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.
vs edgeAI estimate
+135.6%
$/sqft vs Placida actives
$1,025 vs $381
Days on market
3 vs 91 typical
Where $1,025/sqft sits among the 170 Placida actives
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Placida market
$475K → $464K
Placida median sold, yr/yr
92.2%
Sale-to-list ratio (12 mo)
71 of 170
Placida actives have cut their price
Median sold price, Placida, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3600% above the PLACIDA 33946 median. See the full Placida market guide →
Paper trail
This home's history
Reality check
What actually sold near 97 KETTLE HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$620,000
180 BOCILLA DRIVE · same community
2 bd · 2 ba · 1,507 sqft · $411/sqft · 7 DOM
Sold · Jun ’26$550,000
20 PALM DRIVE · same community
4 bd · 3 ba · 1,852 sqft · $297/sqft · 445 DOM
Sold · Nov ’25$1,550,000
460 KETTLE HARBOR DRIVE · same community
3 bd · 2.5 ba · 2,130 sqft · $728/sqft · 372 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 97 KETTLE HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 97 KETTLE HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
97 KETTLE HARBOR DRIVE FAQs
What would the monthly payment be for 97 KETTLE HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,030/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 97 KETTLE HARBOR DRIVE?+
The most recent tax bill on record (2025) was $16,764. 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 $1,295,000, this home is listed about 100% above the Placida median of $649,000. The market section on this page shows how the area is trending.
Which schools are assigned to 97 KETTLE HARBOR DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$1,295,000 runs 3600% 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.
03Fresh on the market
Only 3 days on market in a Placida market that averages 91 — if it fits, move quickly.
04Strong 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 PARADISE EXCLUSIVE REAL ESTATE · Courtney DeFilippis. MLS #D6148113.
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.
Never miss a listing
New Placida homes, in your inbox
Like 97 KETTLE HARBOR DRIVE but not quite? A daily digest of every new listing in Placida — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →