4501 ROYAL PALM RANCH DRIVE, ST JAMES CITY, FL, 33956
Active239 days on marketListed Dec 13, 2025MLS #OM715050
About this home
4501 ROYAL PALM RANCH DRIVE
This property is located at 4501 Royal Palm Ranch Drive in St. James City, Lee County, Florida, and consists of approximately 10.68 acres situated at the end of a private road. The parcel is bordered by county preserve land, offering a setting with limited through traffic and surrounding open space. The property includes a ranch-style residence and additional land suitable for a variety of residential or agricultural uses, subject to local zoning and permitting requirements. Purchasing the home with furniture included is negotiable. The existing home has undergone recent updates, including a remodel completed within the past year and the installation of a new metal roof. According to the owner, the home experienced no reported damage or flooding from recent hurricanes. The residence is positioned to take advantage of the western view across the property, including a pond located behind the home and evening sunsets from the back porch. The land includes cleared and usable areas, with soil already staged and prepared for potential future construction or expansion. Buyers may choose to use the existing home as a primary residence, secondary residence, or temporary housing while planning additional improvements. The acreage also allows for consideration of agricultural uses such as a small farm or grove, subject to county regulations. Access to the property is provided by Royal Palm Ranch Drive, with the parcel located at the road’s end. The surrounding county preserve contributes to privacy and limits future development immediately adjacent to the property. Utilities and infrastructure should be independently verified by buyers based on intended use. An additional feature of this offering is the potential to acquire adjoining parcels, allowing a buyer to expand the total acreage up to approximately 41.97 acres. This presents opportunities for larger-scale land ownership, agricultural operations, or long-term land investment, depending on buyer objectives and regulatory compliance. The property is located within St. James City on Pine Island, an area known for its access to coastal resources, boating, fishing, and a rural residential atmosphere. Nearby towns and cities provide access to services, shopping, dining, and healthcare.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,212
Sqft
10.62 ac
Lot size
1
Garage
1979
Year built
One
Levels
$821
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.
$6,460 /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
$6,460/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.
vs edgeAI estimate
+130.7%
$/sqft vs ACREAGE & UNREC
$821 vs $381
Days on market
239 vs 109 typical
Where $821/sqft sits among the 117 homes for sale in ACREAGE & UNREC
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 James City
Get to know St James City. See the full St James City guide →
ST JAMES CITY 33956 — neighborhood snapshot
Population
3,846
Median age
62.9
Median income
$64,539
Median home value
$284,800
Avg household
2.08
Households w/ children
207
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)
41 of 117
ACREAGE & UNREC have cut their price
Median sold price, St James City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% 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 4501 ROYAL PALM RANCH DRIVE
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$205,000
1353 SPRING LAKE ROAD · same community
4 bd · 3 ba · 1,200 sqft · $171/sqft · 0 DOM
Sold · Dec ’25$116,000
5131 W 11TH STREET W · same community
2 bd · 2 ba · 1,152 sqft · $101/sqft · 113 DOM
Sold · Dec ’25$248,000
499 W BALTIMORE DRIVE · same community
3 bd · 2 ba · 1,366 sqft · $182/sqft · 12 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 4501 ROYAL PALM RANCH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4501 ROYAL PALM RANCH 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
4501 ROYAL PALM RANCH DRIVE FAQs
What would the monthly payment be for 4501 ROYAL PALM RANCH DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,460/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 4501 ROYAL PALM RANCH DRIVE?+
The most recent tax bill on record (2024) was $6,701. 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 $995,000, this home is listed about 60% above 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 4501 ROYAL PALM RANCH DRIVE?+
Pine Island Elementary School (elementary), Ida S. Baker High School (high), Gulf Middle School (middle), 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
Five things that matter here
01Positioned at the premium end
$995,000 runs 99% above the ST JAMES CITY 33956 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
239 days on market against a St James City median of 109 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Pine Island Elementary School, Ida S. Baker High School, Gulf Middle 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.
05The price has already moved
Listed at $1,150,000, now $995,000 — a $155K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WHITETAIL PROPERTIES REAL ESTATE · Erik Flett. MLS #OM715050.
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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