4339 S BAY CIRCLE, NORTH FORT MYERS, FL, 33903
Active3 days on marketListed Aug 4, 2026MLS #C7529133
About this home
4339 S BAY CIRCLE
Welcome to this charming home in the boating community of Waterway Estates. This 4 bedroom, 3 bath home offers 1,775 square feet of living space on a quiet cul-de-sac lot, with direct Gulf access and no bridges standing between you and the open water. Step inside to a comfortable split-bedroom floorplan designed for both privacy and everyday livability. The additional bedrooms provide flexible space for family, guests, or a home office, while the primary suite includes its own walk-in shower bath. Step outside to the backyard, where there's plenty of room for a pool and outdoor entertaining, along with a concrete dock and davit on a 31–80-foot-wide canal with just a 15-minute idle ride to the river. Located within 10 minutes of downtown Fort Myers, grocery stores, schools, and places of worship, and notably, this home did not flood during Hurricane Ian. Whether you're looking for a fix-and-flip project or a home to make your own, this property offers a rare combination of waterfront access and opportunity. Come see for yourself.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,775
Sqft
0.17 ac
Lot size
2
Garage
1974
Year built
One
Levels
$177
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.
$2,540 /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
$2,540/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 North Fort Myers actives
$177 vs $176
Days on market
3 vs 38 typical
Where $177/sqft sits among the 67 North Fort Myers 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 Waterway Estates
Get to know North Fort Myers. See the full North Fort Myers guide →
Waterway Estates — neighborhood snapshot
Population
4,534
Median age
52
Median income
$86,365
Median home value
$330,839
Avg household
2
Households w/ children
357
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The North Fort Myers market
$203K → $300K
North Fort Myers median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
31 of 67
North Fort Myers actives have cut their price
Median sold price, North Fort Myers, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 110% above the NORTH FORT MYERS 33903 median. See the full North Fort Myers market guide →
Paper trail
This home's history
Reality check
What actually sold near 4339 S BAY CIRCLE
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$1,200,000
1481 49TH AVENUE NE · same community
4 bd · 2 ba · 1,798 sqft · $667/sqft · 2 DOM
Sold · Feb ’26$450,000
4424 N BAY CIRCLE · same community
4 bd · 2 ba · 2,257 sqft · $199/sqft · 0 DOM
Sold · Feb ’26$365,000
2005 BOLADO PARKWAY
3 bd · 2 ba · 1,752 sqft · $208/sqft · 41 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 4339 S BAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4339 S BAY CIRCLE — 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
4339 S BAY CIRCLE FAQs
What would the monthly payment be for 4339 S BAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,540/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 4339 S BAY CIRCLE?+
The most recent tax bill on record (2025) was $4,641. 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 North Fort Myers?+
At $315,000, this home is priced right at the North Fort Myers median.
Which schools are assigned to 4339 S BAY CIRCLE?+
Hancock Creek Elementary School (elementary), North Fort Myers High School (high), Tropic Isles Elementary School (elementary), Caloosa Elementary School (elementary), Caloosa Middle School (middle), Dr Carrie D Robinson Littleton Elementary School (elementary), Diplomat Elementary School (elementary), Diplomat Middle School (middle), Cape Coral High School (high), Island Coast High School (high), Mariner High School (high), Ida S. Baker 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
01Positioned at the premium end
$315,000 runs 110% above the NORTH FORT MYERS 33903 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a North Fort Myers market that averages 38 — if it fits, move quickly.
04Strong assigned schools
Hancock Creek Elementary School, North Fort Myers High School, Tropic Isles Elementary School, Caloosa Elementary School, Caloosa Middle School, Dr Carrie D Robinson Littleton Elementary School, Diplomat Elementary School, Diplomat Middle School, Cape Coral High School, Island Coast High School, Mariner High School, Ida S. Baker 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 KELLER WILLIAMS REALTY FT MYER · Jessica Nolan. MLS #C7529133.
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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