CENTURY 21 Edge
$4,250,0003 bd3.5 ba3,810 sqft$1,115 /sqft$27,173 /mo all-in ↓

2755 CUSSELL DRIVE, ST JAMES CITY, FL, 33956

Active10 days on marketListed Sep 10, 2026MLS #C7530353

WaterfrontPrivate poolFully furnishedSingle Family ResidenceST JAMES COVE

About this home

2755 CUSSELL DRIVE

Welcome to an extraordinary waterfront estate where 3.4 acres, exceptional boating access and resort-style living come together in one remarkable property. With approximately 1,561 feet of deep-water canal frontage, commanding wide-water views and boating access leading out to the harbor and beyond, this is the kind of Southwest Florida estate that immediately stands apart. On 9/9/26, two parcels were legally combined to create an exceptionally unique waterfront footprint. The consolidation may also provide an opportunity for reduced property taxes. Enter through the gated entrance and follow a palm tree lined driveway to this custom Stearns-built residence, offered fully furnished. Inside, the dramatic great room rises approximately 21 feet, with a floor-to-ceiling stone fireplace, maple ceilings, cherry built-ins and an impressive open staircase. High-end craftsmanship and substantial architectural details carry throughout the home. A dedicated office and separate media room provide spaces designed specifically for working from home and relaxing or entertaining. Open up to the outside and the property transforms into a waterfront resort. The expansive lanai overlooks a zero-edge infinity pool and whirlpool, with a full outdoor kitchen, cypress ceilings, fire feature and generous entertaining areas. Watch manatees move through the canal, dolphins pass the dock and boats cruise by while entertaining poolside. From sunrise coffee by the water to sunset cocktails around the pool, this is a home built for the Florida lifestyle—where weekends feel like vacations and the hardest decision may be whether to take the boat or the golf cart. For boaters and anglers, a custom boathouse features a captain's walk and an 8,000-pound boat lift, while a 90-foot dock provides additional room for larger or visiting vessels. From here, explore Pine Island Sound, Sanibel, Captiva, Cayo Costa, Cabbage Key and the Gulf, with world-class fishing, waterfront restaurants and island destinations accessible by boat. The infrastructure behind the lifestyle is equally impressive, with impact windows, a whole-home and pool equipment generator, whole-house dehumidification system, 1,000-gallon buried propane tank, multi-zone air conditioning and ultra-high-speed internet connectivity. Even more impressive for a waterfront estate of this scale, current flood insurance is less than $1,700 annually. Two garages accommodate six vehicles, with high ceilings offering the potential to add lifts—an incredible setup for the car enthusiast, collector or anyone who needs room for the toys. Located just one mile from the heart of Saint James City, you can hop on your golf cart and enjoy local restaurants, bars, marinas and the laid-back island atmosphere that makes this community so unique. The real story here is difficult to duplicate: 3.4 acres, 1,561 feet of waterfront, serious boating infrastructure, a custom estate and resort-style outdoor living in one of Southwest Florida's most distinctive boating communities. After all, why own any old waterfront home when you can own one that is truly remembered?

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

3,810

Sqft

3.4 ac

Lot size

6

Garage

2018

Year built

Two

Levels

$1,115

Per sqft

Private poolWaterfrontFireplacePool & Trees/Woods & Water viewFurnishedPets allowed

Inside

FlooringPorcelain Tile · Travertine
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Microwave · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Humidity Control
HeatingCentral
FurnishedFurnished

Outside & construction

RoofMembrane · Metal
ConstructionBlock · Stucco
FoundationSlab · Stem Wall
ViewPool · Trees/Woods · Water
FacesSouth
ParkingBoat · Driveway · Garage Door Opener · Ground Level · Oversized · Parking Pad · Split Garage · Workshop in Garage
ExteriorFrench Doors · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Sliding Doors · Storage

Community & fees

Taxes (2025)$29,839/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Connected · Propane · Sprinkler Well · Water 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.

$27,173 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$22,933
PMI (est., until 20% equity)$1,594
Property tax — 2025 actual bill$2,487
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $425,000Loan30-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% · $425,000
Interest rate6.00%
Loan term

Estimated payment

$27,173/mo

Principal & interest$22,933
PMI (est., until 20% equity)$1,594
Property taxes (actual bill)$2,487
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.

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

$1,115 vs $417

Days on market

10 vs 99 typical

Where $1,115/sqft sits among the 10 St James City actives

4
3
2
0
1
0 · this home
$191–345$345–499$499–653$653–807$807–961$961+

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 Cove

Get to know St James City. See the full St James City guide →

St James Cove — neighborhood snapshot

Population

188

Median age

59

Median income

$61,435

Median home value

$322,700

Avg household

2

Households w/ children

12%

For the school run

Lee County School District

HighIda S. Baker High School★★★★★
MiddleGulf Middle School★★★★★
ElementaryPine Island Elementary School★★★★★
MiddleTrafalgar Middle School★★★★★
HighCape Coral High School★★★★★
HighMariner High School★★★★
HighNorth Fort Myers High School★★★★
HighIsland Coast High School★★★★

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

The numbers that matter

The St James City market

Seller’s marketLeans buyer33.0 months of inventoryBuyer’s market

$543K$700K

St James City median sold, yr/yr

94.0%

Sale-to-list ratio (12 mo)

5 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 844% above the ST JAMES CITY 33956 median. See the full St James City market guide →

Paper trail

This home's history

Sep 10, 2026Listed at $4,250,000 · 10 days on market since
2018Built · ST JAMES COVE

Reality check

What actually sold near 2755 CUSSELL DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2291 PALM AVENUESold · Aug ’26

$700,000

2291 PALM AVENUE

3 bd · 2 ba · 1,707 sqft · $410/sqft · 116 DOM

2391 DATE STREETSold · Dec ’25

$569,000

2391 DATE STREET

3 bd · 2 ba · 1,503 sqft · $379/sqft · 25 DOM

3236 6TH AVENUESold · Mar ’26

$535,000

3236 6TH AVENUE

2 bd · 3 ba · 1,456 sqft · $367/sqft · 43 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.

Jillian Kobylesky

Your agent

Jillian Kobylesky

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2755 CUSSELL DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2755 CUSSELL DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2755 CUSSELL DRIVE FAQs

What would the monthly payment be for 2755 CUSSELL DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $27,173/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 2755 CUSSELL DRIVE?+

The most recent tax bill on record (2025) was $29,839. 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 2755 CUSSELL DRIVE?+

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 St James City?+

At $4,250,000, this home is listed about 646% above 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 2755 CUSSELL DRIVE?+

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

Three things that matter here

01Positioned at the premium end

$4,250,000 runs 844% above the ST JAMES CITY 33956 median — but at 3,810 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.

Listing courtesy of COLDWELL BANKER REALTY · Bradly Linenberg. MLS #C7530353.

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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