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8512 Chatham St, Fort Myers, FL, 33907

4beds
3baths
2,922sqft
$409,000
$140price/sqft
$3,067/moest. monthly cost
$122,680/yrincome needed

About This Home

Spacious, inviting, and full of character, this 4-bedroom, 3-bath home in Fort Myers Villas offers 2,922 square feet of living space designed for comfortable everyday living and gathering with family and friends. From the moment you walk in, you’re welcomed by soaring ceilings with wood beam accents, an open and airy layout, and an abundance of natural light that gives the home a warm, relaxed feel. The oversized living areas provide plenty of room to spread out, while the expansive farmhouse-style kitchen, complete with generous counter space and a large island, becomes the heart of the home… perfect for those who love to cook, entertain, or simply spend time together. The layout also offers flexibility for multi-generational living, with a private bedroom and bath that can function as an in-law suite or guest space, complete with its own entrance. Additional bedrooms are well-sized and versatile, ideal for family, guests, or home office needs. Step outside to a large screened lanai and fully fenced backyard with an extended patio area… offering plenty of space for outdoor living, play, or future enhancements. Impact windows are in place throughout much of the home, adding to its overall value and peace of mind. Thoughtfully maintained with numerous updates throughout, this home blends character, space, and functionality in a way that’s hard to find. Located in the heart of Fort Myers, just off US-41, you’re approximately 20 minutes to RSW International Airport, Fort Myers Beach, and Sanibel, with easy access to shopping, dining, and the River District of downtown Fort Myers. Set within the established Villas community known for its long-time residents and central location, you’ll enjoy a laid-back neighborhood feel with nearby parks, local gatherings, and easy access to everything Southwest Florida has to offer.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
67
BikeBikeable

Schools

5/10
Villas Elementary SchoolGrades PK-50.3 mi
7/10
2/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1977

Materials

  • Roof: Shingle
  • Construction materials: Block,Concrete,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,One Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Double Oven,Dryer,Dishwasher,Range,Refrigerator,Washer
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Built-in Features,Bathtub,Cathedral Ceiling(s),Separate/Formal Dining Room,Entrance Foyer,High Ceilings,Jetted Tub,Kitchen Island,Living/Dining Room,Pantry,Separate Shower,Walk-In Closet(s),Loft,Split Bedrooms,Family Room,Loft,Screened Porch,Great Room
  • Window features: Jalousie,Single Hung,Impact Glass
  • Flooring: Laminate,Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 4,529
  • Total interior livable area: 2,922 sqft

Property

Details

  • Parcel number: 13452403000120280
  • Lease amount: 0

Features

  • Stories: 1
  • Patio & porch: Lanai,Patio,Porch,Screened
  • Exterior features: Courtyard,Fence,Other,Patio,Room For Pool
  • Has view: Yes
  • View description: Landscaped
  • Waterfront features: None

Lot

  • Lot size: 10,454 sqft
  • Features: Corner Lot,Oversized Lot
  • Lot size dimensions: 99 x 109 x 98 x 96

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

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Inland Flooding
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 $2,068$24,816
Home Insurance *$440$5,280
Property Taxes $265$3,180
Electricity $294$3,528
Total$3,067$36,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,154/yr
40% on housing$92,010/yr
45% on housing$81,786/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

$140This listing

vs Other Active Listings

Avg $/sqft

ZIP 33907$119
Lee County$283

vs Homes Sold Last Month

Median $/sqft

ZIP 33907$198
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)

No zestimate history available

Price History

DateEventPrice
2026-04-13Price change$437,500
2026-04-02Price change$450,000
2022-02-07Pending sale$370,000
2022-02-04Listed for sale$370,000
2008-05-24Listing removed$165,000
2008-04-21Listed for sale$165,000

For Sale by Agent

AgentCarrie Ciolino
BrokerageRoyal Shell Real Estate, Inc.

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