16205 CAPTIVA DRIVE, CAPTIVA, FL, 33924
Active70 days on marketListed May 11, 2026MLS #A4693267
About this home
16205 CAPTIVA DRIVE
Welcome to 'Avoca'—a captivating GULF FRONTAGE/PRIVATE BEACH estate, ideally positioned along the coveted Tween Waters stretch of Captiva Drive on Captiva Island. Offering rare privacy, expansive grounds, and DIRECT beach frontage, this remarkable property showcases panoramic views of the Gulf of Mexico and a private beach path to sugar-sand shores. Avoca is one of the rare properties in Captiva that showcases the luxurious resort-style pool in the back of the home, allowing for STUNNING SUNSET VIEWS AND IMMENSE OUTDOOR SPACE! Spanning over one acre and set at one of the highest elevations on the island (X Zone Flood Elevation), Avoca is located within the Estate Zoning district—allowing for up to three structures, providing exceptional flexibility for expansion or additional guest accommodations. The lush tropical setting frames a true resort-style backyard, featuring a 20' x 60' pool with integrated spa, a full outdoor kitchen, and one of the most impressive outdoor entertaining environments on Captiva. Recent upgrades include a newer roof and impact-rated windows and doors for added peace of mind. Inside, the residence is thoughtfully designed for relaxed luxury and effortless entertaining. Four expansive levels of decking invite breathtaking sunsets and Gulf breezes from nearly every room. The main living level offers a generous open layout with a spacious chef’s kitchen, open dining area, fireplace, elevator, multiple guest bedrooms, and light-filled gathering spaces. The third-floor owner’s suite is a private sanctuary, complete with a balcony, sitting area, office nook, and a well-appointed en-suite bath. Additional guest suites and a loft area provide comfortable accommodations for family and friends. Crowning the home is one of the largest rooftop sundecks on the island, delivering elevated, unobstructed coastal views. Whether envisioned as an extraordinary private Gulf-front retreat, a luxurious vacation escape, or a high-performing rental investment, Avoca represents a rare and compelling opportunity on world-renowned Captiva Island.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,890
Sqft
1.12 ac
Lot size
2
Garage
1997
Year built
Three Or More
Levels
$1,414
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.
$36,055 /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
$36,055/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 Frows
Get to know Captiva. See the full Captiva guide →
Frows — neighborhood snapshot
Population
50
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 62% above the CAPTIVA 33924 median. See the full Captiva market guide →
Paper trail
This home's history
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 16205 CAPTIVA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16205 CAPTIVA DRIVE — 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
16205 CAPTIVA DRIVE FAQs
What would the monthly payment be for 16205 CAPTIVA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $36,055/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 16205 CAPTIVA DRIVE?+
The most recent tax bill on record (2025) was $49,854. 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 $5,500,000, this home is listed about 68% 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 16205 CAPTIVA DRIVE?+
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
01Positioned at the premium end
$5,500,000 runs 62% above the CAPTIVA 33924 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
70 days on market against a Captiva median of 1 — sellers in this position are usually ready to negotiate.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · William Pilger, Jr.. MLS #A4693267.
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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