3990 SPOTTED EAGLE WAY, FORT MYERS, FL, 33966
Pending82 days on marketListed May 14, 2026MLS #TB8506373
About this home
3990 SPOTTED EAGLE WAY
*** Motivated Sellers*** As you walk through this beautiful home keep in mine that furniture and televisions are negotiable. Step into a bright and inviting home featuring an open floor plan filled with natural light, offering 3 bedrooms and 2 bathrooms designed for comfortable living. As you walk through the front door, you’re welcomed by a beautiful foyer that opens into the main living space, with sightlines extending to the backyard where a green space, pool, and spa create a relaxing backdrop. The kitchen and dining area flow easily into the living space, with flexibility to use the dining area as a sitting space that leads directly to the outdoor living area. Multiple seating areas outside make it ideal for entertaining or unwinding by the pool and spa. Located in the gated Eagle’s ReserveFr community, this maintenance-free neighborhood means no need to worry about landscaping. Just minutes from Southwest Florida Christian Academy, major highways, shopping, and only a 15-minute drive to Fort Myers downtown. Additional features include an indoor laundry room, and most furniture is negotiable. Measurements are approximate. Buyer shall verify all information
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,566
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
One
Levels
$255
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 and the real association fee — not generic estimates.
$3,542 /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
$3,542/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 Fort Myers actives
$255 vs $211
Days on market
82 vs 62 typical
Where $255/sqft sits among the 170 Fort Myers 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 Eagle Reserve
Get to know Fort Myers. See the full Fort Myers guide →
Eagle Reserve — neighborhood snapshot
Population
35
Median age
51
Median income
$112,292
Median home value
$364,700
Avg household
2
Households w/ children
1%
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort Myers market
$325K → $305K
Fort Myers median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
56 of 170
Fort Myers actives have cut their price
Median sold price, Fort Myers, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% above the FORT MYERS 33966 median. See the full Fort Myers market guide →
Paper trail
This home's history
Reality check
What actually sold near 3990 SPOTTED EAGLE WAY
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$430,000
4756 CRESTED EAGLE LANE · same community
4 bd · 2.5 ba · 2,213 sqft · $194/sqft · 14 DOM
Sold · Apr ’26$247,000
3825 SCHOOLHOUSE ROAD E UNIT 5
3 bd · 2.5 ba · 1,544 sqft · $160/sqft · 30 DOM
Sold · Apr ’26$247,000
3825 E Schoolhouse RD # 5, Fort Myers FL 33916
2 bd · 2.5 ba · 1,544 sqft · $160/sqft · 30 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 3990 SPOTTED EAGLE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3990 SPOTTED EAGLE WAY — 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
3990 SPOTTED EAGLE WAY FAQs
What would the monthly payment be for 3990 SPOTTED EAGLE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,542/mo — principal and interest, the actual property-tax bill, the $345/mo association fee 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.
How much are the HOA fees at 3990 SPOTTED EAGLE WAY?+
The association fee works out to $345 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3990 SPOTTED EAGLE WAY?+
The most recent tax bill on record (2025) was $6,069. 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 3990 SPOTTED EAGLE WAY?+
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 Fort Myers?+
At $400,000, this home is listed about 19% above the Fort Myers median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3990 SPOTTED EAGLE WAY?+
Paul Laurence Dunbar Middle School (middle), Ray V. Pottorf Elementary School (elementary), Colonial Elementary School (elementary), Dunbar High School (high), Treeline Elementary School (elementary), Fort Myers High School (high), South Fort Myers High School (high), Cypress Lake High School (high), Gateway Elementary School (elementary), Rayma C. Page Elementary School (elementary), San Carlos Park Elementary School (elementary), Lexington Middle School (middle), Three Oaks Middle School (middle), Three Oaks Elementary 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
$400,000 runs 31% above the FORT MYERS 33966 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Paul Laurence Dunbar Middle School, Ray V. Pottorf Elementary School, Colonial Elementary School, Dunbar High School, Treeline Elementary School, Fort Myers High School, South Fort Myers High School, Cypress Lake High School, Gateway Elementary School, Rayma C. Page Elementary School, San Carlos Park Elementary School, Lexington Middle School, Three Oaks Middle School, Three Oaks Elementary School — Rayma C. Page Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $475,000, now $400,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Stephanie Howard. MLS #TB8506373.
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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