
2560 BAYBREEZE STREET, ST JAMES CITY, FL, 33956
Active484 days on marketListed Apr 18, 2025MLS #C7508610
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
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.
$3,075 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,075/mo
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
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
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
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 16% below 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 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.
Sold · Aug ’26$700,000
2291 PALM AVENUE
3 bd · 2 ba · 1,707 sqft · $410/sqft · 116 DOM
Sold · Dec ’25$569,000
2391 DATE STREET
3 bd · 2 ba · 1,503 sqft · $379/sqft · 25 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2560 BAYBREEZE STREET — start here.

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
Pick a day that works — this goes straight to David's phone and CRM.
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.
Keep looking
Similar homes nearby
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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