2420 CHERIMOYA LANE, ST JAMES CITY, FL, 33956
Active206 days on marketListed Jan 12, 2026MLS #A4677557
About this home
2420 CHERIMOYA LANE
LIVE THE DREAM WITH MINUTES OUT TO OPEN WATERS! Welcome to your dream waterfront home in beautiful St. James City! This fully remodeled 4-bedroom, 4-bath residence offers unparalleled luxury and comfort. Nestled on a direct access canal, a true boater's paradise with a 10,000-pound boat lift, just a few minutes to some of the best fishing, boating and islands in SWFL! As you step inside, you'll be greeted by a massive vaulted ceiling that is light and bright - a modern, open-concept living space with a dream kitchen high-end stainless-steel appliances, sleek ceramic flooring, and stunning quartz countertops. Open to the living area and beautiful views from the window. The layout is thoughtfully designed with two master suites on the ground floor, each boasting en-suite bathrooms, perfect for multi-generational living or hosting guests. Upstairs, you'll find two generously sized bedrooms, one of which opens to a private balcony, offering serene views of the canal and the surrounding area. Step outside to your personal oasis where a sparkling pool and spa await, ideal for relaxing and entertaining. Whether you're lounging by the pool or enjoying a sunset cruise from your private dock, this home offers the ultimate Florida lifestyle. Don't miss the opportunity to own this exceptional property in St. James City. Schedule your private tour today and experience waterfront living at its finest! All the work has been done, just move right in!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,157
Sqft
0.18 ac
Lot size
2
Garage
1984
Year built
Two
Levels
$463
Per sqft
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.
$6,540 /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
$6,540/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St James City actives
$463 vs $400
Days on market
206 vs 109 typical
Where $463/sqft sits among the 11 St James City actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Pine Island Shores
Get to know St James City. See the full St James City guide →
Pine Island Shores — neighborhood snapshot
Population
538
Median age
59
Median income
$61,435
Median home value
$322,700
Avg household
2
Households w/ children
36%
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St James City market
$543K → $700K
St James City median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
5 of 11
St James City actives have cut their price
Median sold price, St James City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% above the ST JAMES CITY 33956 median. See the full St James City market guide →
Paper trail
This home's history
Reality check
What actually sold near 2420 CHERIMOYA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$630,000
35624 CYPRESS COURT · same community
3 bd · 2 ba · 2,232 sqft · $282/sqft · 18 DOM
Sold · Dec ’25$569,000
2391 DATE STREET · same community
3 bd · 2 ba · 1,503 sqft · $379/sqft · 25 DOM
Sold · Jul ’26$445,000
2368 DATE STREET · same community
2 bd · 2 ba · 1,191 sqft · $374/sqft · 230 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 2420 CHERIMOYA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2420 CHERIMOYA LANE — 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
2420 CHERIMOYA LANE FAQs
What would the monthly payment be for 2420 CHERIMOYA LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,540/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 2420 CHERIMOYA LANE?+
The most recent tax bill on record (2024) was $7,376. 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 St James City?+
At $999,000, this home is listed about 60% above the St James City median of $622,450. The market section on this page shows how the area is trending.
Which schools are assigned to 2420 CHERIMOYA LANE?+
Ida S. Baker High School (high), Gulf Middle School (middle), Pine Island Elementary School (elementary), Trafalgar Middle School (middle), Cape Coral High School (high), Mariner 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
Four things that matter here
01Positioned at the premium end
$999,000 runs 100% above the ST JAMES CITY 33956 median — but at 2,157 sqft it's also 20% larger than the typical St James City listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Ida S. Baker High School, Gulf Middle School, Pine Island Elementary School, Trafalgar Middle School, Cape Coral High School, Mariner 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.
04The price has already moved
Listed at $1,049,000, now $999,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SUNSHINE · Char Seuffert. MLS #A4677557.
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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