4424 N CANAL CIRCLE, NORTH FORT MYERS, FL, 33903
Active269 days on marketListed Jan 19, 2026MLS #D6145683
About this home
4424 N CANAL CIRCLE
TWO homes under 1 roof with no HOA. Upstairs you will find a huge 4 bedroom 2 bath residence with a magnificent open floor plan. Real wood flooring in the living room and all the bedrooms gives this home the sense of grandeur it deserves. The lower residence has been completed with all new luxury vinyl tile throughout. The lower residence has a completely upgraded kitchen and bath with a similar open floor plan. The bedrooms are very spacious and have lots of privacy. The most elegant feature of this home is the roman style heated pool which spans 35' X 15' and the circular spa which overflows into it creating a lovely cascading water feature that is calming to listen to in the evening as you enjoy watching the sunset from afar. This homes' title roof was recertified in 2023 and it is equipped with over $60,000 of solar panels that transfer to the new owner. The current owner has not paid an electric bill in years and last year they received a $500.00 credit from LCEC. If you are into Mango Margaritas then this is your dream home. The huge mango tree to the left of the home produced over 200 mangoes this past season. This home is almost a zeroscape home with only 1 patch of grass to the left of the pool just enough yard for the dog. Solar panels were installed in 2022. Water Heater in 2016. Pool pump in 2014. Pool Heater in 2021. There are 3 HVAC units in the home, 1 in 2012, 2022 and 2023. Pool also resurfaced in 2023. The price reflects the boat lift that needs to be repaired. Owner had been using the lower level as an AirBnB and it was booked solid through the season. If you have a big boat then Waterway Estates is the perfect place to call home for you and your Boat.
Facts & features
The home at a glance
6
Bedrooms
3
Bathrooms
3,993
Sqft
0.18 ac
Lot size
1
Garage
2003
Year built
Two
Levels
$175
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.
$4,664 /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
$4,664/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
−50.9%
$/sqft vs North Fort Myers actives
$175 vs $185
Days on market
269 vs 75 typical
Where $175/sqft sits among the 57 North 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 Waterway Estates
Get to know North Fort Myers. See the full North Fort Myers guide →
Waterway Estates — neighborhood snapshot
Population
4,534
Median age
52
Median income
$86,365
Median home value
$330,839
Avg household
2
Households w/ children
357
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The North Fort Myers market
$203K → $285K
North Fort Myers median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
22 of 57
North Fort Myers actives have cut their price
Median sold price, North Fort Myers, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% above the NORTH FORT MYERS 33903 median. See the full North Fort Myers market guide →
Paper trail
This home's history
Reality check
What actually sold near 4424 N CANAL CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$450,000
4424 N BAY CIRCLE · same community
4 bd · 2 ba · 2,257 sqft · $199/sqft · 0 DOM
Sold · Sep ’26$360
1912 HOWE COURT · same community
5 bd · 3 ba · 2,031 sqft · $0/sqft · 0 DOM
Sold · Aug ’26$599,900
1661 SWAN TERRACE · same community
3 bd · 2 ba · 2,008 sqft · $299/sqft · 230 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4424 N CANAL CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4424 N CANAL CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4424 N CANAL CIRCLE FAQs
What would the monthly payment be for 4424 N CANAL CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,664/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 4424 N CANAL CIRCLE?+
The most recent tax bill on record (2024) was $5,643. 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 4424 N CANAL CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 North Fort Myers?+
At $699,000, this home is listed about 121% above the North Fort Myers median of $315,775. The market section on this page shows how the area is trending.
Which schools are assigned to 4424 N CANAL CIRCLE?+
Caloosa Elementary School (elementary), Caloosa Middle School (middle), Hancock Creek Elementary School (elementary), North Fort Myers High School (high), Tropic Isles Elementary School (elementary), Cape Coral High School (high), Diplomat Elementary School (elementary), Diplomat Middle School (middle), Dr Carrie D Robinson Littleton Elementary School (elementary), Mariner High School (high), Island Coast High School (high), Ida S. Baker 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
$699,000 runs 89% above the NORTH FORT MYERS 33903 median — but at 3,993 sqft it's also nearly twice the size of the typical North Fort Myers listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
269 days on market against a North Fort Myers median of 75 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Caloosa Elementary School, Caloosa Middle School, Hancock Creek Elementary School, North Fort Myers High School, Tropic Isles Elementary School, Cape Coral High School, Diplomat Elementary School, Diplomat Middle School, Dr Carrie D Robinson Littleton Elementary School, Mariner High School, Island Coast High School, Ida S. Baker High School — North Fort Myers High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $720,000, now $699,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Mechele Duhamel. MLS #D6145683.
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.
Never miss a listing
New North Fort Myers homes, in your inbox
Like 4424 N CANAL CIRCLE but not quite? A daily digest of every new listing in North Fort Myers — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Elizabeth to ping you on any price or status change →