$1,160,000
Active19 Lemon Bay Ln, Placida, FL 33946
3 beds · 2.5 baths · 1,597 sq ft
Listing courtesy of PARADISE EXCLUSIVE INC · MLS# D6145820
275 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- deeded dock
- Intracoastal Waterway access
- composite decking
- metal roof
- front and back porches
- Gulf of Mexico access
AI-selected highlights from the listing description below.
Charming coastal cottage on "Palm Island"...newly built in 2024, offers the perfect blend of island charm, modern construction, and waterfront access with a deeded dock providing direct access to the Intracoastal Waterway and Gulf of Mexico — a boater’s dream. Designed for both beauty and durability, this home features cement board-and-batten siding, composite decking, hurricane impact windows and doors, and a metal roof, delivering peace of mind along with undeniable curb appeal. Inside, coastal finishes and breezy décor create true “vacation vibes” with 3 bedrooms, 2.5 baths, and a thoughtfully designed layout that feels relaxed yet refined. Enjoy morning coffee and evening cocktails on both the front and back porches, where gentle island breezes and the sounds of nature set the tone for daily life. Whether you’re entertaining guests or savoring quiet moments, this home is perfectly suited for laid-back coastal living. Life on Palm Island is unlike anywhere else — explore by golf cart, kayak through pristine waterways, cast a line in some of Southwest Florida’s best fishing spots, stroll uncrowded beaches filled with shells and sharks’ teeth, and cap each day with breathtaking sunsets over the Gulf.
Facts
- Property type
- Single Family Residence
- Year built
- 2024
- Bathrooms
- 2 full, 1 half
- Living area
- 1,597 sqft
- Lot size
- 0.22 acres
- Water access
- Bay/Harbor, Beach, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway, Lagoon
- Water view
- Yes
- Private pool
- No
- Exposure
- Southwest
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $9,299/yr
- Listed
- Jan 26, 2026
- MLS #
- D6145820
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 19 LEMON BAY LN. Everything below is editable.
AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.
From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.
Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.
Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$7,607
$5,866 of that is principal & interest. 23% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $5,866
- Property taxes
- $775
- Homeowners insurance
- $967
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $7,607
Over the life of the loan
- Loan amount
- $928,000
- Down payment
- $232,000
- Total interest
- $1,183,613
- Principal + interest paid
- $2,111,613
- Paid off in
- 2056
Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.
Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.
Take a tour
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19 Lemon Bay Ln, Placida, FL 33946
Listing courtesy of PARADISE EXCLUSIVE INC · MLS# D6145820 · Active
Where this home is
Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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