David Ramirez

9437 TREASURE LAKE COURT, ST JAMES CITY, FL, 33956

Active329 days on marketListed Sep 24, 2025MLS #C7515374

Priced 81% below the ST JAMES CITY 33956 medianReduced $5KISLAND ACRES SUB

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

Pets allowed

Inside

Outside & construction

Community & fees

HOA fee$100/mo
Taxes (2024)$724/yr
PetsYes
CommunityGated Community - No Guard

Utilities & systems

UtilitiesUnderground Utilities · Water Available
WaterPublic

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%

Principal & interest$529
FHA mortgage insurance (est.)$40
Property tax — 2024 actual bill$60
HOA fee — from the listing$100
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $3,147Loan30-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% · $3,147
Interest rate6.00%
Loan term

Estimated payment

$889/mo

Principal & interest$529
FHA mortgage insurance (est.)$40
Property taxes (actual bill)$60
HOA / condo fee$100
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.

Where it sits

Inside Island Acres

Map of 9437 TREASURE LAKE COURT inside its neighborhood boundary

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

ElementaryPine Island Elementary School★★★★★
HighIda S. Baker High School★★★★★
MiddleTrafalgar Middle School★★★★★
MiddleGulf Middle School★★★★★
HighMariner High School★★★★
HighCape Coral 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 buyer33.0 months of inventoryBuyer’s 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

CurrentPrice reduced to $89,900 $5K
Sep 24, 2025Listed at $94,900 · 329 days on market since

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.

10600 HABITAT TRAILSold · Feb ’26

$361,000

10600 HABITAT TRAIL

3 bd · 3 ba · 1,176 sqft · $307/sqft · 107 DOM

5225 Anchorage Drive, Other City - In The State Of Florida FL 33956Sold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 9437 TREASURE LAKE COURT — start here.

Andrew Acosta

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

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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.

Keep looking

Similar homes nearby

Listing courtesy of CENTURY 21 SUNBELT REALTY · Kevin Daly. MLS #C7515374.

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