3728 GASPARILLA STREET, ST JAMES CITY, FL, 33956
Active36 days on marketListed Jul 12, 2026MLS #V4950163
About this home
3728 GASPARILLA STREET
Welcome to an exceptional opportunity offering three beautifully renovated living spaces on one spacious property! The main residence features 3 bedrooms, 2 bathrooms, and approximately 1,800 square feet of thoughtfully updated space, PLUS an attached EFFICIENCY apartment and a DETACHED 2-bedroom, 1-bath Guest House - Additional Dwelling Unit (ADU), creating endless possibilities for multi-generational living, guest accommodations, rental income, or a private home office. The main home has been extensively renovated from top to bottom with updated electrical, plumbing, spray foam insulation, Argon gas windows, architectural shingle roof, central air conditioning with Wi-Fi thermostat, on-demand water heater, luxury water-resistant vinyl flooring, custom trim, six-panel doors, recessed lighting, Wi-Fi controlled ceiling fans, and fresh interior paint throughout. The stunning kitchen showcases custom cabinetry with Lazy Susan storage, custom tile backsplash, stainless steel appliances, under-cabinet microwave, and flexible faucet. The spacious living room is highlighted by a custom tongue-and-groove ceiling, built-in entertainment wall, and electric fireplace with customizable Wi-Fi lighting and heat settings. The attached efficiency apartment offers approximately 484 gross square feet (not included in the county heated living area) and is privately separated from the main home with locking French doors while maintaining its own exterior entrance. Complete with a full kitchen, full bathroom, washer/dryer combo, mini-split HVAC system, ceramic tile flooring, custom finishes, and private living space, it's ideal for guests or rental income. Also located on the property is a detached 588 -square-foot ADU (not included in the county heated living area) featuring 2 bedrooms, 1 bathroom, a full kitchen with new cabinetry and appliances, stacked washer/dryer, mini-split air conditioning, updated bathroom, ceramic tile flooring, French doors, and covered front porch. Outside, you'll find room for all your toys with ample parking for boats, RVs, trailers, and work vehicles. Two separate RV/camper hookups include electric and septic connections. Relax beneath mature oak trees or enjoy fresh fruit from the producing mango tree. Enjoy watching your 2 lemon trees mature and come to fruition. The extended front porch with three ceiling fans creates the perfect place to unwind. Located less than a half mile from a public boat and kayak launch and just minutes from pickleball, tennis courts, restaurants, shopping, and entertainment, this unique smart-home property offers incredible flexibility for homeowners and investors alike. Live in one residence while generating rental income from the others, accommodate extended family, or create the ultimate private compound. An extraordinary offering like this is truly one of a kind!
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,372
Sqft
0.31 ac
Lot size
1976
Year built
One
Levels
$198
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.
$3,405 /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
$3,405/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
$198 vs $437
Days on market
36 vs 99 typical
Where $198/sqft sits among the 10 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 Pine Island Tropical Homesites
Get to know St James City. See the full St James City guide →
Pine Island Tropical Homesites — neighborhood snapshot
Population
404
Median age
56
Median income
$83,224
Median home value
$325,300
Avg household
2
Households w/ children
48%
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 10
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 4% below the ST JAMES CITY 33956 median. See the full St James City market guide →
Paper trail
This home's history
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 3728 GASPARILLA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3728 GASPARILLA STREET — 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
3728 GASPARILLA STREET FAQs
What would the monthly payment be for 3728 GASPARILLA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,405/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 3728 GASPARILLA STREET?+
The most recent tax bill on record (2025) was $3,320. 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 $469,000, this home is listed about 18% below the St James City median of $569,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3728 GASPARILLA STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Chris Blondin. MLS #V4950163.
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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