3050 YORK ROAD, ST JAMES CITY, FL, 33956
Active45 days on marketListed Jun 24, 2026MLS #L4963053
About this home
3050 YORK ROAD
Boaters, anglers, investors, and island dreamers — this is the one. Welcome to your turnkey waterfront retreat on Monroe Canal in the heart of Saint James City, offering direct boating access with no bridges to the Intracoastal Waterway. Designed for true island living, this property features a 5,000 lb boat lift, a 16,000 lb covered boat lift, and approximately 833 sq. ft. of composite dock/deck space where you can fish, relax, entertain, or launch your next day on the water. This beautifully updated 2-bedroom, 2-bath home also includes a bonus bunk room/office, 1,300 sq. ft. under air, a 300 sq. ft. screened lanai with outdoor shower, large patio, and low-maintenance rocked yard. Inside, you’ll find an open layout, porcelain tile throughout, a spacious kitchen with large island, updated cabinetry, stainless appliances, inside laundry, and coastal furnishings that are negotiable, making the home feel bright, clean, and move-in ready. Major updates include plumbing in 2012, renovations in 2015 and 2022, metal roof in 2021, A/C and appliances in 2022, and drain field in 2020. For added peace of mind, the property also includes a custom $68,000 flood barrier system by FloodRisk America, complete with storage trailer. Enjoy waterfront dining, fishing, kayaking, boating, and sunset evenings from your own private dock. Furnishings, select items, and the saltwater hot/cool tub are negotiable separately, perfect for relaxing after a day on the water or cooling off during warm island afternoons.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,300
Sqft
0.11 ac
Lot size
1
Garage
1973
Year built
One
Levels
$385
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.
$3,356 /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
$3,356/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 St James City actives
$385 vs $437
Days on market
45 vs 109 typical
Where $385/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 Gulf Haven
Get to know St James City. See the full St James City guide →
Gulf Haven — neighborhood snapshot
Population
318
Median age
63
Median income
$80,985
Median home value
$311,721
Avg household
2
Households w/ children
13%
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 → $700K
St James City median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
4 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.
Paper trail
This home's history
Reality check
What actually sold near 3050 YORK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$650,000
2201 SANIBEL BOULEVARD · same community
3 bd · 2.5 ba · 1,097 sqft · $593/sqft · 280 DOM
Sold · Mar ’26$535,000
Nearby listing · same community
2 bd · 3 ba · 7 DOM
Sold · Sep ’25$560,000
Nearby listing
2 bd · 2 ba · 1,399 sqft · $400/sqft
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 3050 YORK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3050 YORK ROAD — 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
3050 YORK ROAD FAQs
What would the monthly payment be for 3050 YORK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,356/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 3050 YORK ROAD?+
The most recent tax bill on record (2025) was $381. 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 $499,900, this home is listed about 20% below the St James City median of $622,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3050 YORK ROAD?+
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
01Water views
The water view is part of what you're buying — views hold value independently of the structure.
02Strong 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.
03The price has already moved
Listed at $559,000, now $499,900 — a $59K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Austin St. Jean. MLS #L4963053.
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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