4281 POINT HOUSE TRAIL, CAPTIVA, FL, 33924
Active491 days on marketListed Mar 18, 2025MLS #A4645089
About this home
4281 POINT HOUSE TRAIL
Property Information: HEAVEN ON EARTH! An exceptional and rare opportunity to own an almost full acre of beachfront property with bay to gulf access on North Captiva Island with access via boat, ferry, airplane or helicopter. One of a kind property located in pure paradise with sandy beaches, endless million dollar sunset views and engineered plans for a gorgeous new home are also available to view. This is a golf cart only island with access to some of the best fishing, nature walks, water recreation activities on five miles of sandy beaches - you can walk or ride your beach bike all the way to Red Fish Pass with incredible shelling, beaches and waters. Lots of activities available - swim at Mangos and enjoy cocktails or relax - Barnacles offers great food, outdoor games and Over the Waterfront Restaurant is a quaint place to enjoy a great lunch or dinner. The North Captiva Island Club and Safety Harbor offers memberships for tennis/pickleball/swimming and more. Live your best life in a wonderful oasis - laid back lifestyle - located within minutes by water to Useppa Island, just south of Cayo Costa, Cabbage Key and a vibrant nature wonderland with daily sightings of dolphins, manatees, birds and more. Build the plans Seller has or create your own dream home. Only three hundred homes, more than half of the Island is a State Park. Minutes away is Pine Island which offers a ferry transport out to the island every two hours during the day! This is your time, your moment to grab a priceless piece of property and live your best life!
Facts & features
The home at a glance
0.85 ac
Lot size
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.
$21,855 /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
$21,855/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 Joses Hideaway
Get to know Captiva. See the full Captiva guide →
Joses Hideaway — neighborhood snapshot
Population
17
Median age
38
Avg household
1
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Captiva market
$7.9M → $1.9M
Captiva median sold, yr/yr
This home is listed 3% above the CAPTIVA 33924 median. See the full Captiva market guide →
Paper trail
This home's history
Reality check
What actually sold near 4281 POINT HOUSE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$450,000
740 STONER ROAD · same community
3 bd · 1 ba · 850 sqft · $529/sqft · 5 DOM
Sold · Dec ’25$116,000
5131 W 11TH STREET W · same community
2 bd · 2 ba · 1,152 sqft · $101/sqft · 113 DOM
Sold · Nov ’25$205,000
1353 SPRING LAKE ROAD · same community
4 bd · 3 ba · 1,200 sqft · $171/sqft · 0 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 4281 POINT HOUSE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4281 POINT HOUSE TRAIL — 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
4281 POINT HOUSE TRAIL FAQs
What would the monthly payment be for 4281 POINT HOUSE TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $21,855/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 4281 POINT HOUSE TRAIL?+
The most recent tax bill on record (2024) was $17,965. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Captiva?+
At $3,499,900, this home is listed about 7% above the Captiva median of $3,279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4281 POINT HOUSE TRAIL?+
The Sanibel School (elementary), Cypress Lake High School (high), Fort Myers High School (high), South Fort Myers High School (high), Dunbar High School (high), Bonita Springs High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Water views
The water view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
491 days on market against a Captiva median of 1 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
The Sanibel School, Cypress Lake High School, Fort Myers High School, South Fort Myers High School, Dunbar High School, Bonita Springs High School — The Sanibel School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $3,999,900, now $3,499,900 — a $500K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SUNSHINE · Char Seuffert. MLS #A4645089.
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 Stellar MLS.
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