3608 Rita Ln, Saint James City, FL, 33956
About This Home
Experience the best of island waterfront living at 3608 Rita Lane—offering coveted Direct Gulf access with no bridges and designed for serious boaters, anglers, and those seeking the relaxed Southwest Florida lifestyle. This charming, mostly furnished 2-bedroom, 2-bath waterfront home is located in one of St. James City’s most desirable boating neighborhoods and combines classic Florida character with valuable upgrades and exceptional marine amenities. Built with solid block construction and topped with a durable metal roof, this property offers peace of mind, low-maintenance ownership, and the freedom to enjoy island living to the fullest. The true highlight is outside, where your waterfront setup is ready to go. Enjoy a permitted boathouse, large boat lift, and an expansive walk-around Trex dock complete with water and electric—creating the perfect environment for effortless boating, fishing, entertaining, or simply enjoying life on the canal. If you want to add a pool, there is room in the backyard to design your perfect waterside oasis. With direct Gulf access, your next adventure to Pine Island Sound, outer islands, waterfront restaurants, and world-class fishing grounds is just minutes away. Inside, the home offers a comfortable, functional layout with 2 bedrooms and 2 full bathrooms, enhanced by timeless terrazzo flooring throughout, which adds durability and authentic Florida charm. Recent improvements include a new air conditioner and a new water heater, allowing you to move in and start enjoying the property immediately. The mostly furnished interior makes this an easy transition for seasonal use, full-time living, or an investment opportunity. Additional features continue to set this property apart, including a one-car garage with excellent storage space for tools, fishing gear, and boating essentials, plus a rare 30-amp RV hookup—ideal for guests, extra flexibility, or recreational use. Best of all—NO HOA, giving you the freedom to store your toys, enjoy your property your way, and fully embrace the waterfront lifestyle without added restrictions or fees. Whether you're searching for a winter retreat, full-time island residence, or the ultimate boating getaway, 3608 Rita Lane delivers direct Gulf access, outstanding dockage, quality construction, and the laid-back Florida lifestyle buyers dream about.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1974
Materials
- Roof: Metal
- Construction materials: Block,Concrete,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Florida,Ranch,One Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Electric Cooktop,Ice Maker,Microwave,Refrigerator,RefrigeratorWithIce Maker,Washer
- Laundry features: In Garage,Laundry Tub
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Breakfast Bar,Bedroom on Main Level,Family/Dining Room,Kitchen Island,Living/Dining Room,None,Window Treatments,Great Room
- Window features: Single Hung,Shutters,Window Coverings
- Flooring: Terrazzo,Tile
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Ceiling Fan(s),Electric
Interior Area
- Total structure area: 1,544
- Total interior livable area: 1,194 sqft
Property
Details
- Parcel number: 024622110000E.0060
- Lease amount: 0
- Zoning description: RS-1
Features
- Stories: 1
- Patio & porch: Open,Patio,Porch
- Exterior features: Courtyard,Patio,Room For Pool,Storage
- Has view: Yes
- View description: Canal,Mangroves,Water
- Has water view: Yes
- Water view: Canal,Water
- On waterfront: Yes
- Waterfront features: Canal Access,Navigable Water,Seawall
Lot
- Lot size: 7,840 sqft
- Features: Rectangular Lot
- Lot size dimensions: 74 x 112 x 68 x 112
Parking
- Total spaces: 1
- Parking features: Attached,Driveway,Garage,Paved,RV Access/Parking,Two Spaces
- 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 | $2,831 | $33,972 |
| Home Insurance * | $644 | $7,728 |
| Property Taxes | $663 | $7,956 |
| Electricity | $197 | $2,366 |
| Total | $4,335 | $52,020 |
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 |
|---|---|---|
| 2026-06-12 | Listed for sale | $559,900 |
| 2020-03-27 | Sold | $370,000 |
| 2020-02-12 | Pending sale | $399,900 |
| 2020-01-29 | Listed for sale | $399,900 |
| 2020-01-15 | Pending sale | $399,900 |
| 2020-01-06 | Price change | $399,900 |
| 2019-10-21 | Price change | $425,000 |
| 2019-06-25 | Listed for sale | $439,000 |
| 2010-03-12 | Sold | $278,000 |
| 2010-02-19 | Listed for sale | $288,000 |
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