3544 Ruby Ave, Saint James City, FL, 33956
About This Home
Tropical Waterfront Paradise with Endless Charm! Welcome to your own slice of paradise! Nestled on a peaceful cul-de-sac corner lot with 189 feet of stunning waterfront, this exceptional 4-bedroom, 3-bath home perfectly blends luxury, comfort, privacy, and Florida fun. Located on beautiful INTERSECTING CANALS, every day feels like a vacation. Step outside to your private resort-style oasis—take a dip in the heated pool, relax by the firepit, get comfortable with a book on the hammock, or wiggle your toes in your very own playful sandy beach area. Boating enthusiasts will love the covered dock with lift, ideal for easy Gulf access and sunset cruises. TWO MINUTES OUT TO OPEN WATER! Inside, discover a bright and inviting open floor plan designed for relaxing and entertaining. The gourmet kitchen is a chef’s dream, featuring stainless steel appliances, custom cabinetry, Corian countertops, a wine refrigerator and plenty of space for gatherings with family and friends. The main suite offers a peaceful retreat with scenic water views, while the versatile downstairs “in-law” suite which includes a full kitchen and laundry room, providing private accommodations for guests or extended family. Surrounded by lush tropical trees and vibrant landscaping, this home truly embodies the Florida lifestyle—a perfect balance of relaxation, recreation, and natural beauty. Whether you’re lounging by the pool, hosting sunset dinners, or setting out on a morning paddle, every moment here feels like a getaway. Come experience the joy of waterfront living—where every sunrise sparkles on the canal and every sunset invites you to stay just a little longer. Consider adding this home to your income producing portfolio by placing this Coastal Escape on the vacation rental market. This home is in high demand all year!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1993
Materials
- Foundation: Pillar/Post/Pier
- Roof: Metal
- Construction materials: Other,Concrete,Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Two Story,Stilt
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Electric Cooktop,Ice Maker,Refrigerator,RefrigeratorWithIce Maker,Washer
- Laundry features: Inside
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Breakfast Bar,Bedroom on Main Level,Breakfast Area,Bathtub,Eat-in Kitchen,Living/Dining Room,Multiple Primary Suites,Pantry,Separate Shower,Upper Level Primary,Walk-In Closet(s),Split Bedrooms,Bathroom,Den,Guest Quarters,Great Room
- Window features: Other,Impact Glass
- Flooring: Carpet,Tile
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 3,288
- Total interior livable area: 2,950 sqft
Property
Details
- Parcel number: 024622110000B.0090
- Lease amount: 0
- Zoning description: RS1
Features
- Levels: Two
- Stories: 2
- Private pool: Yes
- Pool features: Electric Heat,Heated,In Ground,Salt Water
- Patio & porch: Balcony,Open,Patio,Porch,Screened
- Exterior features: Fence,Fruit Trees,Security/High Impact Doors,Outdoor Grill,Patio,Shutters Electric,Shutters Manual
- Has spa: Yes
- Spa features: Above Ground
- Has view: Yes
- View description: Canal
- Has water view: Yes
- Water view: Canal
- On waterfront: Yes
- Waterfront features: Canal Access,Intersecting Canal,Seawall
Lot
- Lot size: 0.28 Acres
- Features: Cul-De-Sac,Irregular Lot,Oversized Lot
- Lot size dimensions: 110 x 100 x 190 x 125
Parking
- Total spaces: 5
- Parking features: Attached,Circular Driveway,Underground,Garage,Golf Cart Garage,Guest,Attached Carport
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 5
- Has uncovered spaces: Yes
- Carport: Yes
- Carport 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
- 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 | $6,517 | $78,204 |
| Home Insurance * | $1,483 | $17,796 |
| Property Taxes | $1,616 | $19,392 |
| Electricity | $296 | $3,562 |
| Total | $9,912 | $118,944 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-30 | Price change | $1,299,000 |
| 2025-11-05 | Listed for sale | $1,350,000 |
| 2024-08-09 | Sold | $950,000 |
| 2024-07-14 | Pending sale | $1,000,000 |
| 2024-07-10 | Price change | $1,000,000 |
| 2024-05-15 | Price change | $1,200,000 |
| 2024-03-14 | Listed for sale | $1,300,000 |
| 2021-11-30 | Sold | $1,200,000 |
| 2021-10-27 | Pending sale | $1,400,000 |
| 2021-09-29 | Price change | $1,400,000 |
| 2021-09-10 | Price change | $1,470,000 |
| 2021-08-02 | Listed for sale | $1,495,000 |
| 2018-06-19 | Sold | $515,000 |
| 2018-05-29 | Pending sale | $545,000 |
| 2018-03-22 | Price change | $545,000 |
| 2018-02-16 | Price change | $550,000 |
| 2018-01-19 | Listed for sale | $560,000 |
| 2004-07-20 | Sold | $630,000 |
| 2000-05-05 | Sold | $250,000 |
| 1998-02-24 | Sold | $200,000 |
| 1995-02-21 | Sold | $179,000 |
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