David Ramirez
$355,000$375,0002 bd2 ba951 sqft$373 /sqft$2,698 /mo all-in ↓

11476 MAY STREET, MATLACHA, FL, 33993

Active453 days on marketListed Apr 27, 2025MLS #A4650138

Reduced $20KWaterfrontSingle Family ResidenceISLAND HARBORS

About this home

11476 MAY STREET

Welcome to this opportunity in the charming and colorful fishing village of Matlacha! This waterfront property with direct Gulf access offers the perfect canvas for your coastal dream home. Located just minutes to the open water of Charlotte Harbor and easy boat ride to Cayo Costa, Boca Grande, Sanibel, Captiva, Ft. Myers Beach, all the outer islands and the Gulf waters providing some of the best fishing in all of SW Florida! The composite material dock with boat lift is ready for you to relax and enjoy the gorgeous Florida sunrises or sunsets!! This property provides a coveted lifestyle for boaters, anglers, and island lovers alike. This is an ideal project for investors, builders, or anyone ready to rebuild or renovate in one of Southwest Florida's most unique communities. Whether you're looking to restore the existing home or start fresh with new construction within this prime location, island life is ready for you!... Set up your showing appointment today and come check out this piece of paradise!!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

951

Sqft

0.07 ac

Lot size

1

Garage

1969

Year built

One

Levels

$373

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringTile
AppliancesNone
InteriorLiving Room/Dining Room Combo · Ninguno · Primary Bedroom Main Floor
LaundryIn Garage
CoolingNone · Other
HeatingNone · Other

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesWest
ExteriorOther · Sliding Doors

Community & fees

Taxes (2024)$3,488/yr
PetsYes
CommunityNone

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,698 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,090
FHA mortgage insurance (est.)$157
Property tax — 2024 actual bill$291
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,425Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,425
Interest rate6.00%
Loan term

Estimated payment

$2,698/mo

Principal & interest$2,090
FHA mortgage insurance (est.)$157
Property taxes (actual bill)$291
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 Island Harbors

Map of 11476 MAY STREET inside its neighborhood boundary

Get to know Matlacha. See the full Matlacha guide →

Island Harbors — neighborhood snapshot

Population

640

Median age

65

Median home value

$458,300

Avg household

2

Households w/ children

94%

For the school run

Lee County School District

ElementaryPine Island Elementary School★★★★★
MiddleTrafalgar Middle School★★★★★
HighIda S. Baker High School★★★★★
MiddleGulf Middle School★★★★★
HighMariner High School★★★★
HighCape Coral High School★★★★★
HighNorth Fort Myers High School★★★★
HighIsland Coast High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Matlacha market

Seller’s marketLeans buyer24.0 months of inventoryBuyer’s market

$385K$450K

Matlacha median sold, yr/yr

Median sold price, Matlacha, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 299% above the MATLACHA 33993 median. See the full Matlacha market guide →

Paper trail

This home's history

CurrentPrice reduced to $355,000 $20K
Apr 27, 2025Listed at $375,000 · 453 days on market since
1969Built · ISLAND HARBORS

Reality check

What actually sold near 11476 MAY STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

Nearby listingSold · Jun ’26

$445,000

Nearby listing · same community

2 bd · 3 ba · 1,272 sqft · $350/sqft · 126 DOM

2669 COCO PLUM DRIVESold · Mar ’26

$450,000

2669 COCO PLUM DRIVE

3 bd · 2 ba · 1,533 sqft · $294/sqft · 91 DOM

4741/4743 PINE ISLAND ROAD NWSold · Sep ’25

$550,000

4741/4743 PINE ISLAND ROAD NW

2 bd · 2.5 ba · 2,896 sqft · $190/sqft · 30 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 11476 MAY STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11476 MAY STREET — 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.

Goes straight to David’s phone and CRM.

Straight answers

11476 MAY STREET FAQs

What would the monthly payment be for 11476 MAY STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,698/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 11476 MAY STREET?+

The most recent tax bill on record (2024) was $3,488. 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 11476 MAY STREET?+

The listing reports pets: Yes. 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 Matlacha?+

At $355,000, this home is listed about 76% below the Matlacha median of $1,476,500. The market section on this page shows how the area is trending.

Which schools are assigned to 11476 MAY STREET?+

Pine Island Elementary School (elementary), Trafalgar Middle School (middle), Ida S. Baker High School (high), Gulf Middle School (middle), Mariner High School (high), Cape Coral High School (high), North Fort Myers High School (high), Island Coast High School (high) — Lee 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

$355,000 runs 299% above the MATLACHA 33993 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

453 days on market against a Matlacha median of 127 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Pine Island Elementary School, Trafalgar Middle School, Ida S. Baker High School, Gulf Middle School, Mariner High School, Cape Coral High School, North Fort Myers High School, Island Coast High School — North Fort Myers High School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $375,000, now $355,000 — a $20K cut. The full history is in the market section below.

Listing courtesy of REALTY ONE GROUP MVP · Lori Dzialo, Pa. MLS #A4650138.

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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