2891 CUSSELL DRIVE, ST JAMES CITY, FL, 33956
Active97 days on marketListed Apr 27, 2026MLS #J1000270
About this home
2891 CUSSELL DRIVE
Experience the ultimate Southwest Florida lifestyle in this beautifully remodeled waterfront home offering direct access to San Carlos Bay and the Gulf of Mexico. Situated on an extra-wide canal, this property is a boater’s dream with an 85’ concrete dock, 10,000 lb boat lift, seawall, and waterside seating area—perfect for sunset cocktails or morning coffee while dolphins and manatees pass by. This fully renovated 2-bedroom, 2-bath home blends classic Florida charm with modern upgrades. The additional expansive Florida room showcases panoramic waterfront views, creating a seamless indoor-outdoor living experience. Upgrades include a 2022 metal roof, hurricane-impact windows, and an energy-efficient mini-split system, ensuring comfort and peace of mind. Inside, you’ll find continuous tile flooring throughout and custom interior Bahama shutters that enhance the home’s coastal character. The property also features a covered carport, attached garage with electronic screen, and ample on-site parking—ideal for entertaining family and friends. A breezeway leads to a workshop and storage shed, perfect for boating gear, fishing equipment, or hobbies. Located on a quiet cul-de-sac directly across from St. Jude Nature Preserve, you’ll enjoy unmatched privacy, birdwatching, and serene natural surroundings right outside your front door. Whether you’re an avid boater, nature lover, or simply seeking a peaceful waterfront retreat, this home delivers location, lifestyle, and quality in one exceptional package.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
996
Sqft
0.18 ac
Lot size
1
Garage
1977
Year built
One
Levels
$572
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.
$3,808 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,808/mo
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 St James City actives
$572 vs $400
Days on market
97 vs 109 typical
Where $572/sqft sits among the 11 St James City 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 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)
5 of 11
St James City actives have cut their price
Median sold price, St James City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above 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 2891 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 · Nov ’25$650,000
2201 SANIBEL BOULEVARD
3 bd · 2.5 ba · 1,097 sqft · $593/sqft · 280 DOM
Sold · Jul ’26$445,000
2368 DATE STREET
2 bd · 2 ba · 1,191 sqft · $374/sqft · 230 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 2891 CUSSELL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2891 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
2891 CUSSELL DRIVE FAQs
What would the monthly payment be for 2891 CUSSELL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,808/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 2891 CUSSELL DRIVE?+
The most recent tax bill on record (2025) was $4,314. 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 2891 CUSSELL DRIVE?+
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 $569,900, this home is listed about 11% 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 2891 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
Three things that matter here
01Positioned at the premium end
$569,900 runs 14% above the ST JAMES CITY 33956 median.
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.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1000270.
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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