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3420 1st Ave, Saint James City, FL, 33956

3beds
3baths
1,709sqft
$1,484,000
$868price/sqft
$11,275/moest. monthly cost
$451,000/yrincome needed

About This Home

JUST REDUCED! Your Slice of Paradise Awaits! Step into this fully furnished, turnkey waterfront masterpiece and prepare to be swept away by breathtaking panoramic views of Pine Island Sound and Sanibel Island. Nestled in one of Southwest Florida’s most coveted locations, this gulf-access pool home is a rare gem that blends luxury, comfort, and island charm. Interior Elegance Meets Coastal Chic Every inch of this home is thoughtfully designed with beachy, nautical décor that instantly transports you to vacation mode. The gourmet kitchen is a chef’s dream, featuring Cambria Quartz countertops, GE High-Profile stainless steel appliances, and a layout perfect for entertaining. Peace of Mind & Premium Upgrades Enjoy the security and style of a metal roof, impact-resistant windows and doors, plank tile flooring, and plantation shutters throughout. A new AC keeps things cool, while the shiplap lanai ceiling adds a touch of coastal sophistication. Outdoor Living at Its Finest Sip cocktails from your screened balcony as dolphins and manatees glide by. Take a dip in the heated saltwater pool, then unwind with the best sunsets in SWFL. With two covered boat lifts (14k & 7k lbs.), composite docks, and a fish cleaning station, your waterfront lifestyle is ready to launch. Island Adventures & Ultimate Convenience - Hop in your included golf cart (valued at $20K and loaded with extras) and explore nearby amenities, or cruise on your boat to local islands and beaches for world-class fishing and relaxation. This is more than a home—it’s a gateway to the island life you’ve always dreamed of. Fall in Love. Move to Paradise. Whether you're seeking a serene retreat or a vibrant coastal lifestyle, this home delivers it all. Don’t just buy a house—claim your piece of paradise.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
6/10
Gulf Middle SchoolGrades 6-87.8 mi
3/10
Ida S. Baker High SchoolGrades 9-127.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2015

Materials

  • Roof: Metal
  • Construction materials: Block,Other,Concrete,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Built-in Features,Bathtub,Dual Sinks,Eat-in Kitchen,Family/Dining Room,French Door(s)/Atrium Door(s),Living/Dining Room,Pantry,Separate Shower,Walk-In Closet(s),Window Treatments,Split Bedrooms,Family Room,Other,Screened Porch
  • Door features: French Doors
  • Window features: Impact Glass,Window Coverings
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,657
  • Total interior livable area: 1,709 sqft

Property

Details

  • Parcel number: 024622070000B.0040
  • Lease amount: 0
  • Zoning description: RS-1

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Concrete,Electric Heat,Heated,In Ground,Pool Equipment
  • Patio & porch: Balcony,Lanai,Porch,Screened
  • Exterior features: Security/High Impact Doors,Sprinkler/Irrigation
  • Has spa: Yes
  • Spa features: Above Ground,Electric Heat,Fiberglass
  • Has view: Yes
  • View description: Bay,Canal,Gulf,Water
  • Has water view: Yes
  • Water view: Bay,Canal,Gulf,Water
  • On waterfront: Yes
  • Waterfront features: Navigable Water,Seawall

Lot

  • Lot size: 6,011 sqft
  • Features: Rectangular Lot,Sprinklers Automatic
  • Lot size dimensions: 60 x 100 x 60 x 100

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tsunami

FEMA Declared Disasters in Lee County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,503$90,036
Home Insurance *$1,707$20,484
Property Taxes $1,868$22,416
Electricity $197$2,366
Total$11,275$135,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$386,571/yr
40% on housing$338,250/yr
45% on housing$300,666/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.2%
15.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$868This listing

vs Other Active Listings

Avg $/sqft

ZIP 33956$241
Lee County$283

vs Homes Sold Last Month

Median $/sqft

ZIP 33956$359
Lee County$222

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-22Price change$1,484,000
2025-11-01Listed for sale$1,499,000
2025-11-01Listing removed$1,499,000
2025-04-30Listed for sale$1,499,000
2025-04-30Listing removed$1,525,000
2025-01-03Price change$1,525,000
2024-10-26Listed for sale$1,550,000
2024-09-25Listing removed$1,550,000
2024-07-30Price change$1,550,000
2024-05-03Listed for sale$1,579,000
2024-05-03Listing removed--
2023-10-27Listed for sale$1,599,000
2022-06-09Sold$1,349,000
2022-05-16Pending sale$1,349,000
2022-05-09Listed for sale$1,349,000
2020-03-13Listing removed$799,000
2020-02-12Price change$799,000
2019-11-19Listed for sale$824,000
2013-09-18Sold$155,000
2013-08-22Price change$174,900
2013-08-10Price change$179,000
2013-03-02Price change$199,000
2012-10-05Listed for sale$219,900
2012-10-04Pending sale$219,900
2012-07-18Listed for sale$219,900
2009-08-17Sold$185,000
2003-02-14Sold$180,000

For Sale by Agent

AgentNelson Rua
BrokerageJohn R. Wood Properties

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