
3605 STABILE ROAD, ST JAMES CITY, FL, 33956
Active139 days on marketListed Mar 17, 2026MLS #N6143431
About this home
3605 STABILE ROAD
One or more photo(s) has been virtually staged. Discover refined waterfront living in this distinctive 4 bedroom, 3 bathroom residence offering 3,850 square feet of thoughtfully designed interior space along a saltwater canal with access leading toward the Gulf. Blending elevated craftsmanship with meaningful upgrades, the home is anchored by a 2023 metal roof, powered hurricane shutters, and a spacious 3 car garage with overhead storage and built-in shelving. Inside, soaring ceilings create an immediate sense of scale, while elegant architectural arches, recessed lighting, and a polished, cohesive finish add warmth and sophistication throughout the main living spaces. The chef’s kitchen serves as a true centerpiece, appointed with stainless steel appliances, granite countertops, and two oversized islands, one with a sink and butcher-block surface and the other with breakfast-bar seating. Designed for both everyday living and elevated entertaining, the kitchen also features a 6-burner gas range with separate grill and flattop, pot filler, double ovens, a stainless hood, walk-in pantry, and built-in humidor. A striking double-sided fireplace gracefully separates the living and dining areas, creating an inviting backdrop for gatherings and quiet evenings alike. In the living room, a wet bar with utility sink and bar seating adds another layer of convenience, while doors open directly to the private courtyard retreat. Tile flooring enhances the main living areas, complemented by the warmth of wood flooring in the bedrooms. Upstairs, the primary suite offers a tray ceiling, fireplace, a large walk-in closet with built-ins, and two private balconies, one overlooking the water and the other overlooking the pool courtyard. Additional bedrooms feature built-in closets, with the rear bedroom enjoying its own waterfront balcony. Functional details continue with a dedicated laundry room with utility sink and cabinetry, wood stairs with decorative metal railing, and a unique pneumatic tube elevator. Outdoors, the property unfolds into a private resort-style setting. French doors lead to a covered and screened wraparound lanai with ceiling fans and lighting, creating a seamless extension of the home’s living space. The courtyard pool and spa, renovated by Aquatech Pools, are finished with marble pavers and enhanced by a water feature and built-in bench seating, creating a setting that feels both elegant and inviting. For boating enthusiasts, the waterfront infrastructure is exceptional. A composite dock wraps around the 10,000 pound covered boat lift and is accented by solar-powered lighting, making evenings on the water as effortless as they are memorable. Whether heading out for the day or returning at sunset, the dock is designed for smooth daily use. Ideally located near St. Jude Nature Trail, St. James Creek Preserve, marinas, dining, shopping, and everyday conveniences, this residence presents an exceptional opportunity to enjoy a polished waterfront lifestyle with comfort, style, and direct access to the water.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,850
Sqft
0.22 ac
Lot size
3
Garage
2004
Year built
Two
Levels
$621
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.
$15,186 /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
$15,186/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
$621 vs $400
Days on market
139 vs 109 typical
Where $621/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)
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.
This home is listed 378% 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 3605 STABILE ROAD
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 · Aug ’25$875,000
3704 BAYVIEW AVENUE
3 bd · 3 ba · 1,921 sqft · $455/sqft · 82 DOM
Sold · Dec ’25$569,000
2391 DATE STREET
3 bd · 2 ba · 1,503 sqft · $379/sqft · 25 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 3605 STABILE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3605 STABILE 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
3605 STABILE ROAD FAQs
What would the monthly payment be for 3605 STABILE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,186/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 3605 STABILE ROAD?+
The most recent tax bill on record (2025) was $14,806. 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 $2,390,000, this home is listed about 275% above 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 3605 STABILE 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
Four things that matter here
01Positioned at the premium end
$2,390,000 runs 378% above the ST JAMES CITY 33956 median — but at 3,850 sqft it's also nearly twice the size of the typical St James City 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
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 $2,490,000, now $2,390,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NEXTHOME SUNCOAST · Nick Flerlage. MLS #N6143431.
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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