3827 Coconut Dr, Saint James City, FL, 33956
About This Home
Step into coastal living at its best with this spacious and inviting 4-bedroom, 2-bath ocean-access home—designed for comfort, durability, and effortless enjoyment. Elevated just five steps, the interior strikes the perfect balance: high enough to help guard against flooding, yet easy to access without the hassle of long stair climbs. Built with a wood frame and reinforced with CBS additions at both the front and rear, this home has proven its resilience through multiple hurricanes—and has since been further upgraded for even greater storm protection. The low-maintenance lot is thoughtfully finished with concrete, shell, and functional outdoor space, giving you more time to relax and less time on upkeep. Boaters and outdoor enthusiasts will love the tall garage, bonus utility room, and excellent water access. Inside, the home shines with quality upgrades and stylish finishes throughout: Durable 5-ply roof and new siding Impact-resistant windows and doors Granite countertops in the kitchen and bathrooms, paired with solid wood cabinetry and new vanities Stainless steel appliances and water-resistant flooring Cedar accent walls for a warm, coastal touch Modern A/C system with Nest thermostat Tankless water heater and Ring floodlight system New blinds and fully furnished interior The large deck out back is perfect for entertaining. New boat lift motors, Gem remote lift, and wax-impregnated canopy deck This move-in-ready property is the ultimate turnkey retreat—perfectly set up for years of boating, fishing, and laid-back coastal living.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1973
Materials
- Foundation: Pillar/Post/Pier
- Roof: Built-Up,Flat
- Construction materials: Block,Manufactured,Other,Concrete
Type & Style
- Home type: MobileManufactured
- Architectural style: Other,Manufactured Home
- Property subType: Manufactured Home,Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Microwave,Range,Refrigerator,Tankless Water Heater,Washer
- Laundry features: Inside
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- Dual Sinks,Eat-in Kitchen,Main Level Primary,Pantry,Shower Only,Separate Shower
- Window features: Impact Glass
- Flooring: Vinyl
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Ceiling Fan(s),Electric
Interior Area
- Total structure area: 1,832
- Total interior livable area: 1,527 sqft
Property
Details
- Parcel number: 0246221000000.1610
- Lease amount: 0
- Zoning description: MH1
Features
- Patio & porch: Deck
- Exterior features: Deck,Security/High Impact Doors
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- On waterfront: Yes
- Waterfront features: Canal Access
Lot
- Lot size: 3,267 sqft
- Features: Zero Lot Line
- Lot size dimensions: 41 x 89 x 40 x 89
Parking
- Total spaces: 1
- Parking features: Attached,Driveway,Garage,Paved,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Has uncovered spaces: Yes
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
- Hurricane
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Lee County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,022 | $24,264 |
| Home Insurance * | $460 | $5,520 |
| Property Taxes | $551 | $6,612 |
| Electricity | $197 | $2,366 |
| Total | $3,230 | $38,760 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Price change | $380,000 |
| 2026-07-24 | Listed for sale | $400,000 |
| 2026-07-12 | Listing removed | $380,000 |
| 2026-04-13 | Price change | $380,000 |
| 2026-03-26 | Price change | $390,000 |
| 2026-02-27 | Price change | $395,000 |
| 2025-10-31 | Price change | $425,000 |
| 2025-08-25 | Price change | $449,000 |
| 2025-07-15 | Listed for sale | $465,000 |
| 2018-03-08 | Sold | $175,000 |
| 2018-02-06 | Pending sale | $199,000 |
| 2017-10-17 | Listed for sale | $199,000 |
| 2009-02-12 | Sold | $35,100 |
| 2008-11-27 | Price change | $124,900 |
| 2008-10-04 | Price change | $149,900 |
| 2008-09-16 | Price change | $159,900 |
| 2008-08-11 | Price change | $169,900 |
| 2008-07-15 | Price change | $174,900 |
| 2008-06-20 | Listed for sale | $179,000 |
| 2001-09-06 | Sold | $93,800 |
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