David Ramirez
$5,250,000$5,495,0004 bd4 ba3,500 sqft$1,500 /sqft$33,126 /mo all-in ↓

252 WATERWAYS AVENUE, BOCA GRANDE, FL, 33921

Active148 days on marketListed Mar 7, 2026MLS #D6146498

Reduced $245KWaterfrontPrivate poolSingle Family ResidenceHARBOR DRIVE WATERWAYS

About this home

252 WATERWAYS AVENUE

Experience the Boca Grande lifestyle in this highly desirable ground floor residence nestled in the heart of the Village on deep protected water. This one of a kind home is located in an "X flood zone" and it experienced no water intrusion during the storms. As you step into this lovely 4 bedroom and 4 bath classic Boca Grande style home, you will appreciate the sun filled great room which includes a beautiful coral stone fireplace and French doors that open to a stone patio, and heated pool. The unique residence is designed around the lush outdoor space which includes a fenced yard, and a dock for your large vessel. You will appreciate the convenience of single story living both indoors and out. In addition to the impressive great room, this Florida Style plan boasts a kitchen with stone counters and breakfast nook, a large primary suite and bathroom and a fantastic executive office, which can also serve as a den, and finally 3 ensuite guest rooms. This distinctive home has a new standing seam roof, tankless hot water, and beautiful mature landscaping. Outdoor activities are endless, as you take advantage of day trips to neighboring islands, world class fishing, paddleboarding and kayaking, or you can choose to bike the length of the island on the “bike path”, or golf cart to the beach for a walk on the beach or swim in the Gulf of Mexico. Boca Grande is famous for so much more than its Tarpon. Retreat to an idyllic lifestyle, where bicycles and golf carts are the preferred mode of transport, and old Florida charm abounds, where no street lights, traffic or high rises exist. There is no place quite like it!

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,500

Sqft

0.32 ac

Lot size

1999

Year built

One

Levels

$1,500

Per sqft

Private poolWaterfrontFireplace

Inside

FlooringCarpet · Ceramic Tile · Tile
AppliancesCooktop · Dishwasher · Disposal · Dryer · Microwave · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionCement Siding · Concrete
FoundationSlab
FacesNorth
ExteriorFrench Doors · Sliding Doors

Community & fees

Taxes (2025)$32,023/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane · Public · Sewer Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$33,126 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$28,329
PMI (est., until 20% equity)$1,969
Property tax — 2025 actual bill$2,669
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $525,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $525,000
Interest rate6.00%
Loan term

Estimated payment

$33,126/mo

Principal & interest$28,329
PMI (est., until 20% equity)$1,969
Property taxes (actual bill)$2,669
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 Boca Grande actives

$1,500 vs $1,473

Days on market

148 vs 99 typical

Where $1,500/sqft sits among the 40 Boca Grande actives

10
9
11 · this home
4
3
3
$741–1096$1096–1452$1452–1807$1807–2163$2163–2518$2518+

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 Harbor Drive Waterways

Map of 252 WATERWAYS AVENUE inside its neighborhood boundary

Get to know Boca Grande. See the full Boca Grande guide →

Harbor Drive Waterways — neighborhood snapshot

Population

20

Median age

67

Median income

$250,001

Median home value

$2,000,000

Avg household

2

For the school run

Lee County School District

ElementaryThe Island School★★★★
HighMariner High School★★★★
HighIda S. Baker High School★★★★★
HighCape Coral High School★★★★★
HighIsland Coast High School★★★★
HighNorth Fort Myers High School★★★★
ElementaryThe Sanibel School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Boca Grande market

Seller’s marketLeans buyer12.3 months of inventoryBuyer’s market

$1.6M$3.3M

Boca Grande median sold, yr/yr

91.5%

Sale-to-list ratio (12 mo)

9 of 40

Boca Grande actives have cut their price

Median sold price, Boca Grande, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 352% above the BOCA GRANDE 33921 median. See the full Boca Grande market guide →

Paper trail

This home's history

CurrentPrice reduced to $5,250,000 $245K
Mar 7, 2026Listed at $5,495,000 · 148 days on market since
1999Built · HARBOR DRIVE WATERWAYS

Reality check

What actually sold near 252 WATERWAYS AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

225 WATERWAYS AVENUESold · Sep ’25

$5,750,000

225 WATERWAYS AVENUE · same community

4 bd · 4 ba · 3,454 sqft · $1,665/sqft · 267 DOM

250 SEABREEZE COURTSold · Aug ’25

$3,125,000

250 SEABREEZE COURT

4 bd · 4 ba · 3,455 sqft · $904/sqft · 206 DOM

152 CARRICK BEND LANESold · Feb ’26

$5,250,000

152 CARRICK BEND LANE

4 bd · 4 ba · 3,372 sqft · $1,557/sqft · 0 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 252 WATERWAYS AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 252 WATERWAYS AVENUE — 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.

Goes straight to David’s phone and CRM.

Straight answers

252 WATERWAYS AVENUE FAQs

What would the monthly payment be for 252 WATERWAYS AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $33,126/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 252 WATERWAYS AVENUE?+

The most recent tax bill on record (2025) was $32,023. 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 252 WATERWAYS AVENUE?+

The listing reports pets: Cats OK, Dogs OK. 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 Boca Grande?+

At $5,250,000, this home is listed about 110% above the Boca Grande median of $2,497,500. The market section on this page shows how the area is trending.

Which schools are assigned to 252 WATERWAYS AVENUE?+

The Island School (elementary), Mariner High School (high), Ida S. Baker High School (high), Cape Coral High School (high), Island Coast High School (high), North Fort Myers High School (high), The Sanibel School (elementary) — 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

$5,250,000 runs 352% above the BOCA GRANDE 33921 median — but at 3,500 sqft it's also nearly twice the size of the typical Boca Grande listing.

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

The Island School, Mariner High School, Ida S. Baker High School, Cape Coral High School, Island Coast High School, North Fort Myers High School, The Sanibel School — The Island School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $5,495,000, now $5,250,000 — a $245K cut. The full history is in the market section below.

Listing courtesy of GULF TO BAY SOTHEBY'S INTERNAT · Maryjo Pigott. MLS #D6146498.

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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