, MARCO ISLAND, FL, 34145
Active217 days on marketListed Dec 15, 2025MLS #A11949484
About this home
Experience premier waterfront living with this distinguished 5-bedroom, 4-bath residence, strategically situated on nearly half an acre with direct Gulf of Mexico access. This home is a boater's dream, featuring two advanced boat lifts—a 20,000 lb and a 27,000 lb lift, the latter protected by a canopy to preserve your vessel's condition. The property boasts an impressive 276 feet of seawall, complete with a private gazebo for enjoying stunning sunsets and bay views. The recent remodel has transformed this luxurious abode, seamlessly blending contemporary elegance with comfort. High-end finishes and thoughtful design elements are showcased throughout, including new plank flooring and a beautifully remodeled kitchen, equipped with a large wine cooler. The expansive backyard offers numerous opportunities for relaxation, from the glider swing to dining while surrounded by nature's beauty and fruit trees. The home has an added wheelchair lift in the third-car garage opening into the master bedroom. Venture outside to your private oasis, where a spectacular, heated pool with a spa offers the ultimate retreat for relaxation or entertaining. The meticulously landscaped grounds enhance the seamless connection between indoor and outdoor living spaces. There is so much potential on this property! Conveniently located near shopping centers, grocery stores, the beach, and easy island egress, this rare gem offers a harmonious blend of luxury, convenience, and natural beauty.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3
Garage
1992
Year built
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$21,125 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$21,125/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside River Area
Get to know Marco Island. See the full Marco Island guide →
River Area — neighborhood snapshot
Population
2,372
Median age
67
Median income
$166,756
Median home value
$918,900
Avg household
2
Households w/ children
53%
For the school run
Collier County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Marco Island market
$870K → $1.3M
Marco Island median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
Median sold price, Marco Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 352% above the MARCO ISLAND 34145 median. See the full Marco Island market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$665,000
137 Bald Eagle Dr, Marco Island FL 34145 · same community
3 bd · 3 ba · 1,687 sqft · $394/sqft · 145 DOM
Sold · Mar ’26$2,050,000
418 Tarpon CT, Marco Island FL 34145 · same community
4 bd · 3 ba · 2,682 sqft · $764/sqft · 97 DOM
Sold · Mar ’26$1,950,000
10 Cushing Lane, Marco Island FL 34145
4 bd · 4.5 ba · 5,306 sqft · $368/sqft · 84 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
FAQs
What would the monthly payment be for ?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $21,125/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on ?+
The most recent tax bill on record (2024) was $23,123. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at ?+
The listing reports pets: More Than 20 Lbs. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Marco Island?+
At $3,299,000, this home is listed about 387% above the Marco Island median of $677,000. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Tommie Barfield Elementary School (elementary), Manatee Middle School (middle), Lely High School (high) — Collier County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$3,299,000 runs 352% above the MARCO ISLAND 34145 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
217 days on market against a Marco Island median of 12 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Tommie Barfield Elementary School, Manatee Middle School, Lely High School — Tommie Barfield Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $3,399,000, now $3,299,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Premiere Plus Realty Company · Krystal Bernhardt. MLS #A11949484.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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