David Ramirez
$419,0002 bd2 ba2,075 sqft$202 /sqft$3,075 /mo all-in ↓

2560 BAYBREEZE STREET, ST JAMES CITY, FL, 33956

Active484 days on marketListed Apr 18, 2025MLS #C7508610

Priced 16% below the ST JAMES CITY 33956 medianNew constructionWaterfrontPrivate poolSingle Family ResidenceST JAMES CITY

About this home

2560 BAYBREEZE STREET

Pre-Construction. To be built. Pre-construction opportunity. To be built. Sale is for the lot with an existing structure, approved remodel permit with all fees PAID, and pool permit in hand with Design Concepts. Buyer need only submit an owner/builder affidavit with the building department or have their contractor provide required contractor information to the County. All remaining construction and development costs are the Buyer’s responsibility. The remodel permit took over a year to obtain, and the home is fully prepared for transformation. The existing structure requires remodel per the approved building plans, with the planned addition built on top of the existing concrete block walls—no costly house lifting required. The home has been completely gutted, concrete has been cut and hammered for new thickened footings, and all that remains is removal of the trusses and roof. Property includes two existing boat lifts (10,000 lb and 20,000 lb). The approved design features a beautiful open floor plan with vaulted ceilings, blending modern style with classic Old Florida appeal. Planned improvements include 2,075 sq ft of finished living space, a two-car garage, and approximately 1,215 sq ft of flex space on the lower level. Pool design does not encroach beneath the home, as shown in renderings. Enjoy a 10-minute boat ride to open water via the Philips Canal, with easy access to Sanibel, Captiva, and Fort Myers Beach. Located in the heart of golf cart–friendly St. James City, close to the general store, fish market, Galt Preserve, St. Jude Nature Trail, Calusa Heritage Trail, and Pine Island Sound Aquatic Preserve. Community amenities include Civic Association Park events, free concerts, biking and walking paths, tennis and pickleball courts, a heated community pool, playground, tiki restaurants, and weekly live entertainment. Come experience the laid-back island lifestyle you’ve been looking for.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

2,075

Sqft

0.23 ac

Lot size

2

Garage

2025

Year built

Two

Levels

$202

Per sqft

Private poolWaterfrontFireplacePool & Water viewPets allowed

Inside

FlooringOther
AppliancesNone
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Walk-In Closet(s)
LaundryLaundry Closet
CoolingMini-Split Unit(s)
HeatingElectric

Outside & construction

RoofMetal · Tile
ConstructionBlock · Concrete · Other · Stucco
FoundationSlab
ViewPool · Water
FacesWest
ParkingDriveway · Garage Door Opener · Ground Level
ExteriorAwning(s) · French Doors · Lighting · Private Mailbox · Sliding Doors

Community & fees

Taxes (2024)$3,154/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Sewer Connected · Water Connected
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.

$3,075 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,467
FHA mortgage insurance (est.)$185
Property tax — 2024 actual bill$263
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,665Loan30-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% · $14,665
Interest rate6.00%
Loan term

Estimated payment

$3,075/mo

Principal & interest$2,467
FHA mortgage insurance (est.)$185
Property taxes (actual bill)$263
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.

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

$202 vs $437

Days on market

484 vs 109 typical

Where $202/sqft sits among the 11 St James City actives

1 · this home
4
3
1
1
1
$198–302$302–405$405–509$509–613$613–717$717+

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 Gulf Haven

Map of 2560 BAYBREEZE STREET inside its neighborhood boundary

Get to know St James City. See the full St James City guide →

Gulf Haven — neighborhood snapshot

Population

318

Median age

63

Median income

$80,985

Median home value

$311,721

Avg household

2

Households w/ children

13%

For the school run

Lee County School District

HighIda S. Baker High School★★★★★
MiddleGulf Middle School★★★★★
ElementaryPine Island Elementary School★★★★★
MiddleTrafalgar Middle School★★★★★
HighCape Coral High School★★★★★
HighMariner 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 St James City market

Seller’s marketLeans buyer36.0 months of inventoryBuyer’s 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 16% below the ST JAMES CITY 33956 median. See the full St James City market guide →

Paper trail

This home's history

Apr 18, 2025Listed at $419,000 · 484 days on market since
2025Built · ST JAMES CITY

Reality check

What actually sold near 2560 BAYBREEZE STREET

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

2291 PALM AVENUESold · Aug ’26

$700,000

2291 PALM AVENUE

3 bd · 2 ba · 1,707 sqft · $410/sqft · 116 DOM

2391 DATE STREETSold · Dec ’25

$569,000

2391 DATE STREET

3 bd · 2 ba · 1,503 sqft · $379/sqft · 25 DOM

3236 6TH AVENUESold · Mar ’26

$535,000

3236 6TH AVENUE

2 bd · 3 ba · 1,456 sqft · $367/sqft · 43 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 2560 BAYBREEZE 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 2560 BAYBREEZE STREET — before you fall in love.

See it in person

Schedule a tour

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Straight answers

2560 BAYBREEZE STREET FAQs

What would the monthly payment be for 2560 BAYBREEZE STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,075/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 2560 BAYBREEZE STREET?+

The most recent tax bill on record (2024) was $3,154. 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 2560 BAYBREEZE 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 St James City?+

At $419,000, this home is listed about 33% below 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 2560 BAYBREEZE STREET?+

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

01Under the ST JAMES CITY 33956 market on paper

$419,000 is 16% below the ST JAMES CITY 33956 median of $499,900, and at $202/sqft it sits under the St James City average of $433.

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

484 days on market against a St James City median of 109 — sellers in this position are usually ready to negotiate.

04Strong 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.

Listing courtesy of CALENDA REAL ESTATE GROUP,INC. · Jennifer Calenda. MLS #C7508610.

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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