David Ramirez
$3,279,0006 bd6.5 ba3,555 sqft$922 /sqft$21,867 /mo all-in ↓

11523 ANDY ROSSE LANE, CAPTIVA, FL, 33924

Active40 days on marketListed Jun 23, 2026MLS #TB8522459

Private poolSingle Family ResidenceLANES F A BAYVIEW SUB

About this home

11523 ANDY ROSSE LANE

Virtually Staged. Virtually Staged. Welcome to one of Captiva Island's most remarkable residences: a stunning Mediterranean-inspired estate nestled on the legendary Andy Rosse Lane, just steps from the Gulf of Mexico. Move-in ready and finished with fine stylings throughout, this multi-level home delivers the perfect blend of luxury island living, flexible accommodations, and exceptional investment potential as a short-term rental. Arrive via a classic paver brick driveway framed by lush tropical landscaping, climbing vines, and colorful blooms. The stucco façade, clay tile roofline, arched garage doors, and elegant balustrade balcony set a tone of timeless sophistication from the moment you pull in. A grand staircase sweeps up to the main entry, while a private elevator services every floor of the main house for effortless access. The ground level features a spacious two-car garage with ample storage, a large recreation room perfect for a game room, media lounge, or fitness space, and a full en suite bathroom, ideal for guests or extended stays without ever needing the upper floors. The heart of the home unfolds across a sweeping, light-filled main level featuring large-format travertine tile, soaring coffered ceilings, and graceful arched doorways. Dual chandeliers anchor a dramatic tray ceiling above the open-concept living and dining room, a space bathed in natural light through picture windows and French doors that open to the outdoors. The gourmet kitchen is a chef's dream, offering custom white cabinetry, a generous island with breakfast bar seating, a walk-in pantry, and a bold statement range hood that adds a touch of artful color. Two well-appointed guest bedrooms, each with a private en suite bathroom, provide comfort and privacy for family and visitors alike. The main level is rounded out by a convenient laundry room and a powder half bath for guests. The entire top floor exemplifies refined luxury. The primary suite is a true sanctuary, featuring two expansive walk-in closets and a spa-caliber bathroom that will take your breath away. A dramatic black clawfoot soaking tub with polished chrome fixtures rests beneath a crystal chandelier, flanked by a dual-sink vanity with backlit mirrors, a rich marble tile surround, and a separate oversized walk-in shower. Glimpses of the tropical landscape through the primary bath's windows complete this private retreat. A fourth bedroom with its own en suite bath completes the top floor, perfect for a home office, nursery, or additional guest quarters. A covered balcony walkway connects the main house to a fully independent in-law suite, a rare and coveted feature on Captiva Island. This self-contained retreat includes a private bedroom, full bathroom, and kitchenette, making it perfect for extended family, a live-in property manager, or a dedicated short-term rental unit. Directly below the in-law suite, a pool bath and bonus room offer additional flexibility for outdoor entertaining, equipment storage, or a cabana-style hangout. Situated on Andy Rosse Lane, Captiva's beloved main street, this home places you at the center of island life. Stroll to the Gulf beach in seconds, or walk to iconic local favorites like the Mucky Duck and the Bubble Room. Whether you're seeking a full-time residence, a personal island getaway, or a high-performing vacation rental, 11523 Andy Rosse Lane checks every box. Properties of this caliber, in this location, rarely come to market. Schedule your private showing today.

Facts & features

The home at a glance

6

Bedrooms

6.5

Bathrooms

3,555

Sqft

0.22 ac

Lot size

2

Garage

2004

Year built

Two

Levels

$922

Per sqft

Private poolFireplace

Inside

FlooringTile · Hardwood
AppliancesConvection Oven · Dishwasher · Microwave · Range · Range Hood · Refrigerator · Wine Refrigerator
InteriorElevator · High Ceilings · Living Room/Dining Room Combo
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionStucco · Wood Frame
FoundationOther · Slab
FacesNorth
ParkingSplit Garage
ExteriorBalcony · Courtyard · Dog Run · Irrigation System · Lighting · Outdoor Kitchen

Community & fees

Taxes (2025)$33,412/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$21,867 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$17,693
PMI (est., until 20% equity)$1,230
Property tax — 2025 actual bill$2,784
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $327,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $327,900
Interest rate6.00%
Loan term

Estimated payment

$21,867/mo

Principal & interest$17,693
PMI (est., until 20% equity)$1,230
Property taxes (actual bill)$2,784
Est. insurance$160

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.

Where it sits

Inside Bayview

Map of 11523 ANDY ROSSE LANE inside its neighborhood boundary

Get to know Captiva. See the full Captiva guide →

Bayview — neighborhood snapshot

Population

55

Median age

38

Avg household

1

For the school run

Lee County School District

ElementaryThe Sanibel School★★★★★
HighCypress Lake High School★★★★★
HighFort Myers High School★★★★★
HighSouth Fort Myers High School★★★★
HighDunbar High School★★★★
HighBonita Springs High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Captiva market

Seller’s marketLeans buyer42.0 months of inventoryBuyer’s market

$7.9M$1.9M

Captiva median sold, yr/yr

Paper trail

This home's history

Jun 23, 2026Listed at $3,279,000 · 40 days on market since
2004Built · LANES F A BAYVIEW SUB

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 11523 ANDY ROSSE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11523 ANDY ROSSE LANE — 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.

Goes straight to David’s phone and CRM.

Straight answers

11523 ANDY ROSSE LANE FAQs

What would the monthly payment be for 11523 ANDY ROSSE LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $21,867/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 11523 ANDY ROSSE LANE?+

The most recent tax bill on record (2025) was $33,412. 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 Captiva?+

At $3,279,000, this home is priced right at the Captiva median.

Which schools are assigned to 11523 ANDY ROSSE LANE?+

The Sanibel School (elementary), Cypress Lake High School (high), Fort Myers High School (high), South Fort Myers High School (high), Dunbar High School (high), Bonita Springs 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

01Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

02Time on market is leverage

40 days on market against a Captiva median of 1 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

The Sanibel School, Cypress Lake High School, Fort Myers High School, South Fort Myers High School, Dunbar High School, Bonita Springs High School — The Sanibel School rates 5 of 5. Always verify assignments with the district.

Keep looking

Similar homes nearby

Listing courtesy of MERIDIAN RESIDE · Terry Connors, II. MLS #TB8522459.

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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