3544 RUBY AVENUE, ST JAMES CITY, FL, 33956
Active6 days on marketListed Sep 14, 2026MLS #L4965050
About this home
3544 RUBY AVENUE
Welcome to your own private slice of paradise on Pine Island! This exceptional waterfront retreat offers a true Florida Keys feel, with tropical surroundings, INTERSECTING CANALS, AND 189 feet of waterfront creating the perfect setting for the ultimate coastal lifestyle. Situated on a peaceful cul-de-sac corner lot, this spacious 4-befroom, 3-bath home combines comfort, privacy, and effortless indoor-outdoor living. Step outside to your private resort-style oasis featuring a heated salt system pool, spa, firepit, hammock, and your own sandy beach area. Boaters will love the covered dock, boat lift and fillet station, with quick access to open water for boating, fishing, kayaking, and unforgettable sunset cruises. Inside, the bright and inviting floor plan is designed for both relaxing and entertaining. The gourmet kitchen features custom cabinetry, Corian countertops, stainless steel appliances, a wine refrigerator, and generous space for gathering. The main suite offers peaceful water views, while the versitile lower-level guest/in-law suite provides additonal privacy and includes its own kitchen and laundry. Surrounded by lush tropical landscaping and water views, this is more than a home--it's a lifestyle. Whether you're enjoying coffee by the water, relaxing poolside, entertaining friends, or heading out for a day on the Gulf, every day feels like a vacation. Experience the laid-back charm of St. James City with the unmistakealbe feel of the Florida Keys right at home. This "Coastal Escape" currently on the vacation rental market, offers an attractive opportunity for those looking for a personal island retreat with income potential. This home is in high demand throughout the year, making it an excellent choice for a vacation-home buyer, investment property, or those seeking flexibility to enjoy the home while generating rental income.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,950
Sqft
0.28 ac
Lot size
2
Garage
1993
Year built
Two
Levels
$423
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.
$8,653 /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
$8,653/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.
$/sqft vs St James City actives
$423 vs $417
Days on market
6 vs 99 typical
Where $423/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 Bayview Acres
Get to know St James City. See the full St James City guide →
Bayview Acres — neighborhood snapshot
Population
189
Median age
66
Median income
$96,515
Median home value
$303,000
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 St James City 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 178% above the ST JAMES CITY 33956 median. See the full St James City market guide →
Paper trail
This home's history
Reality check
What actually sold near 3544 RUBY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$700,000
2291 PALM AVENUE
3 bd · 2 ba · 1,707 sqft · $410/sqft · 116 DOM
Sold · Dec ’25$569,000
2391 DATE STREET
3 bd · 2 ba · 1,503 sqft · $379/sqft · 25 DOM
Sold · Nov ’25$650,000
2201 SANIBEL BOULEVARD
3 bd · 2.5 ba · 1,097 sqft · $593/sqft · 280 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3544 RUBY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3544 RUBY AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3544 RUBY AVENUE FAQs
What would the monthly payment be for 3544 RUBY AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,653/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 3544 RUBY AVENUE?+
The most recent tax bill on record (2025) was $15,418. 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 $1,249,000, this home is listed about 119% 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 3544 RUBY AVENUE?+
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
Four things that matter here
01Positioned at the premium end
$1,249,000 runs 178% above the ST JAMES CITY 33956 median — but at 2,950 sqft it's also 42% larger than 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.
03Fresh on the market
Only 6 days on market in a St James City market that averages 99 — if it fits, move quickly.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY FTL · Lisa Marcet. MLS #L4965050.
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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