
9437 TREASURE LAKE COURT, ST JAMES CITY, FL, 33956
Active329 days on marketListed Sep 24, 2025MLS #C7515374
About this home
9437 TREASURE LAKE COURT
Build your private Pine Island retreat on this 1.24-acre homesite in Island Acres, an intimate gated community of just 31 properties. Quietly set at the end of a cul-de-sac, this oversized wooded lot offers the space, privacy, and natural setting so many buyers want—yet it’s only minutes to Pine Island shopping, waterfront restaurants, marinas, and boat ramps. At the center of the neighborhood is Treasure Lake, where residents enjoy a lakeside pavilion, sandy beach area, and tranquil water views. A perimeter nature trail invites morning walks, jogging, and biking, while private roads and underground utilities help preserve the community’s attractive, uncrowded feel. Recorded covenants provide for connection to the Greater Pine Island public-water system; an individual septic system and drainfield will be required. The current mandatory association assessment is $1,702 annually and supports ongoing community maintenance and services. Lot 5 is planned to retain its natural island character, with 50% of the property preserved as conservation area. The owner may propose the location of this preserved portion, subject to Association approval—creating an opportunity to thoughtfully position a future home within the wooded surroundings. All construction, clearing, grading, driveways, and other improvements require Architectural Review Board and applicable governmental approvals. If you’ve been searching for more than an ordinary vacant lot, this is your chance to design a custom home in one of Pine Island’s most distinctive private settings—surrounded by nature, neighborhood amenities, and a relaxed island lifestyle. Buyers should independently verify the conservation-area location, buildable envelope, lot dimensions, setbacks, utilities, septic and drainage requirements, current Association information, environmental conditions, and all required development approvals.
Facts & features
The home at a glance
1.24 ac
Lot size
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 and the real association fee — not generic estimates.
$889 /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
$889/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.
Where it sits
Inside Island Acres
Get to know St James City. See the full St James City guide →
Island Acres — neighborhood snapshot
Population
26
Median age
56
Median income
$83,224
Median home value
$325,300
Avg household
2
Households w/ children
4%
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)
Median sold price, St James City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 81% 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 9437 TREASURE LAKE COURT
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$361,000
10600 HABITAT TRAIL
3 bd · 3 ba · 1,176 sqft · $307/sqft · 107 DOM
Sold · Oct ’25$410,000
5225 Anchorage Drive, Other City - In The State Of Florida FL 33956
3 bd · 2 ba · 1,621 sqft · $253/sqft · 114 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 9437 TREASURE LAKE COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9437 TREASURE LAKE COURT — 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
9437 TREASURE LAKE COURT FAQs
What would the monthly payment be for 9437 TREASURE LAKE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $889/mo — principal and interest, the actual property-tax bill, the $100/mo association fee 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.
How much are the HOA fees at 9437 TREASURE LAKE COURT?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9437 TREASURE LAKE COURT?+
The most recent tax bill on record (2024) was $724. 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 9437 TREASURE LAKE COURT?+
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 $89,900, this home is listed about 84% below the St James City median of $569,900. The market section on this page shows how the area is trending.
Which schools are assigned to 9437 TREASURE LAKE COURT?+
Pine Island Elementary School (elementary), Ida S. Baker High School (high), Trafalgar Middle School (middle), 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
Four things that matter here
01Under the ST JAMES CITY 33956 market on paper
$89,900 is 81% below the ST JAMES CITY 33956 median of $482,450.
02Time on market is leverage
329 days on market against a St James City median of 99 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Pine Island Elementary School, Ida S. Baker High School, Trafalgar Middle 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.
04The price has already moved
Listed at $94,900, now $89,900 — a $5K cut. The full history is in the market section below.
Listing courtesy of CENTURY 21 SUNBELT REALTY · Kevin Daly. MLS #C7515374.
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.
Never miss a listing
New St James City homes, in your inbox
Like 9437 TREASURE LAKE COURT but not quite? A daily digest of every new listing in St James City — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →
