12277 Boat Shell DR, Matlacha Isles, FL, 33991
About This Home
Discover the ultimate Gulf-access lifestyle in this beautifully renovated Key West–style waterfront home in highly sought-after Matlacha Isles. Offering 3 bedrooms + den, 3 baths, and approx. 2,800 sq ft, this elevated concrete-block residence has never flooded and delivers the perfect blend of coastal charm, modern upgrades, and true boating convenience. Enjoy immediate, bridge-free access to the Gulf from your private dock, boat lift, and seawall - an absolute must-have for serious boaters. Hop on your boat right from the backyard and be out exploring islands, beaches, and open water in minutes. Inside, the home features impact doors/windows, storm shutters, a whole-home generator, and multiple balconies with peaceful canal views - ideal for sunrise coffee and sunset cocktails. Every detail is designed for effortless full-time living, seasonal enjoyment, or investment flexibility. The private first-floor suite is a major value booster, complete with its own entrance, kitchen, living area, bedroom, and bath. This turn-key apartment generates approx. $25,000/year as an Airbnb or serves as an ideal multigenerational retreat. Its covered porch is pre-wired and structurally reinforced for a Jacuzzi hot tub, adding a premium amenity that enhances both lifestyle and rental appeal. Located minutes from Matlacha’s vibrant waterfront village, you’re close to Blue Dog Bar & Grill, Miceli’s, Yucatan Waterfront Tiki Bar, The Perfect Cup, and Cape Coral’s shopping and entertainment. For buyers seeking a turn-key experience, the 2022 Scout 215 XSF boat and 2017 trailer are available for purchase separately, and furniture can be added as an optional package. These items are not included in the listing price. This home checks every box: direct Gulf access, elevated construction with no flood history, income potential, modern upgrades, and a prime Matlacha Isles location. A rare opportunity to secure the Southwest Florida waterfront lifestyle buyers dream about.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2009
Materials
- Foundation: Concrete Block
- Roof: Shingle
- Construction materials: Block,Frame,Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator/Freezer,Refrigerator/Icemaker,Tankless Water Heater,Washer
- Laundry features: Washer/Dryer Hookup,Laundry Tub
Bedroom
- Features: Two Master Suites
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Features: Breakfast Bar, Dining - Living, Eat-in Kitchen
Features
- Closet Cabinets,French Doors,Laundry Tub,Smoke Detectors,Walk-In Closet(s),Balcony,Den - Study,Guest Room,Home Office,Open Porch/Lanai
- Door features: French Doors,Impact Resistant Doors
- Window features: Impact Resistant Windows,Shutters
- Flooring: Laminate,Tile,Wood
- Fireplace features: Outside
- Fireplace: Yes
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air,Wall Unit(s)
Interior Area
- Total structure area: 2,802
- Total interior livable area: 2,802 sqft
Property
Details
- Parcel number: 1844230400001.0530
- Zoning: RSC-1
- Other equipment: Generator
Features
- Levels: Two,Multi/Split
- Stories: 1
- Patio & porch: Deck,Open Porch/Lanai
- Exterior features: Dock,Balcony,Boat Lift
- Has view: Yes
- View description: Canal,Water
- Has water view: Yes
- Water view: Canal,Water
- On waterfront: Yes
- Waterfront features: Bay,Canal Front,Seawall
- Frontage type: Bay/Harbor
Lot
- Lot size: 8,276 sqft
- Features: Across From Waterfront,Regular
Parking
- Total spaces: 3
- Parking features: Attached Carport
- Covered spaces: 3
- Carport: Yes
- Carport spaces: 3
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
- Coastal Flooding
- Lightning
- Inland Flooding
- 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 | $4,399 | $52,788 |
| Home Insurance * | $493 | $5,916 |
| Property Taxes | $998 | $11,976 |
| Electricity | $281 | $3,383 |
| Total | $6,171 | $74,052 |
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 |
|---|---|---|
| 2026-04-19 | Price change | $869,999 |
| 2026-01-29 | Price change | $949,999 |
| 2026-01-05 | Price change | $999,999 |
| 2025-12-05 | Price change | $1,025,000 |
| 2025-09-10 | Listed for sale | $1,080,000 |
| 2025-08-11 | Listing removed | $1,080,000 |
| 2025-05-19 | Price change | $1,080,000 |
| 2025-02-05 | Listed for sale | $1,175,900 |
| 2025-02-01 | Listing removed | $1,225,900 |
| 2024-11-01 | Listed for sale | $1,225,900 |
| 2024-09-15 | Listing removed | $1,065,900 |
| 2024-07-18 | Listed for sale | $1,065,900 |
| 2017-03-31 | Sold | $369,777 |
| 2017-02-21 | Pending sale | $379,777 |
| 2017-02-03 | Price change | $379,777 |
| 2017-01-16 | Listed for sale | $389,900 |
| 2016-12-11 | Listing removed | $389,900 |
| 2016-10-31 | Price change | $389,900 |
| 2016-07-25 | Price change | $399,900 |
| 2016-07-05 | Price change | $425,000 |
| 2016-05-31 | Listed for sale | $439,900 |
| 2004-01-07 | Sold | $178,000 |
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