3099 CUSSELL DRIVE, ST JAMES CITY, FL, 33956
Active169 days on marketListed Feb 6, 2026MLS #C7521510
About this home
3099 CUSSELL DRIVE
Stop dreaming and start building! This is a nearly impossible-to-find TRIPLE LOT located in the heart of St. James City on the beautiful Pine Island. This expansive property offers significantly more frontage and buildable area than standard island lots, allowing for a substantial custom residence, multi-vehicle garage, and extensive outdoor living space. Plenty of space for a custom boat dock with GULF ACCESS!
Facts & features
The home at a glance
0.34 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 — not generic estimates.
$1,578 /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
$1,578/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 St Jude Harbors
Get to know St James City. See the full St James City guide →
St Jude Harbors — neighborhood snapshot
Population
225
Median age
59
Median income
$61,435
Median home value
$322,700
Avg household
2
Households w/ children
14%
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 → $535K
St James City median sold, yr/yr
95.5%
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 63% 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 3099 CUSSELL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$519,000
Nearby listing · same community
2 bd · 2 ba · 94 DOM
Sold · Mar ’26$535,000
Nearby listing
2 bd · 3 ba · 7 DOM
Sold · May ’26$280,000
3673 Dewberry Ln, Other City - In The State Of Florida FL 33956
2 bd · 2 ba · 81 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 3099 CUSSELL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3099 CUSSELL 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
3099 CUSSELL DRIVE FAQs
What would the monthly payment be for 3099 CUSSELL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,578/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 3099 CUSSELL DRIVE?+
The most recent tax bill on record (2025) was $1,825. 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 St James City?+
At $200,000, this home is listed about 69% below the St James City median of $637,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3099 CUSSELL DRIVE?+
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
$200,000 is 63% below the ST JAMES CITY 33956 median of $534,900.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong 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.
04The price has already moved
Listed at $225,000, now $200,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · John Garuti. MLS #C7521510.
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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