12262 BOAT SHELL DR, MATLACHA ISLES, FL, 33991
Active33 days on marketListed Aug 19, 2026MLS #S5155734
About this home
12262 BOAT SHELL DR
Welcome to your own private piece of Southwest Florida paradise! This beautifully situated 2-bedroom, 2-bathroom waterfront home with a separate office/den offers the perfect blend of comfortable living, outdoor entertainment, and waterfront lifestyle. From the moment you arrive, you'll appreciate the peaceful canal-front setting and spacious outdoor areas. The large screened-in patio overlooks the water, creating the perfect place to enjoy your morning coffee, unwind after a long day, or gather with family and friends while taking in the beautiful Florida surroundings. For boating enthusiasts, this property is truly special. You'll have your own private boat lift right at the canal, providing easy access to the water and making it convenient to enjoy fishing, boating, and exploring the waterways of Southwest Florida. The home features two comfortable bedrooms, two full bathrooms, and a versatile office/den that can be used as a home office, reading room, hobby space, or additional flex area. The spacious layout provides plenty of room to relax and make yourself at home. Outside, the large backyard offers exceptional space for entertaining, barbecues, family gatherings, and enjoying the Florida sunshine. Whether you're hosting friends, spending time with family, or simply relaxing by the water, this home provides an ideal setting for enjoying the Southwest Florida lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,244
Sqft
0.12 ac
Lot size
1979
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$183 /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
$183/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Matlacha Isles
Get to know Matlacha Isles. See the full Matlacha Isles guide →
Matlacha Isles — neighborhood snapshot
Population
151
Median age
63
Median income
$108,854
Median home value
$665,600
Avg household
2
Households w/ children
5%
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Matlacha Isles market
$780K → $725K
Matlacha Isles median sold, yr/yr
Median sold price, Matlacha Isles, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the MATLACHA ISLES 33991 median. See the full Matlacha Isles market guide →
Paper trail
This home's history
Reality check
What actually sold near 12262 BOAT SHELL DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$725,000
12235 BOAT SHELL DRIVE
3 bd · 2 ba · 1,405 sqft · $516/sqft · 71 DOM
Sold · Jul ’26$322,000
2656 ANGUILLA DRIVE
2 bd · 2 ba · 1,542 sqft · $209/sqft · 2 DOM
Sold · Jun ’26$313,500
2645 ANGUILLA DRIVE
2 bd · 2 ba · 1,542 sqft · $203/sqft · 71 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 12262 BOAT SHELL DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12262 BOAT SHELL DR — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12262 BOAT SHELL DR FAQs
What would the monthly payment be for 12262 BOAT SHELL DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $183/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 12262 BOAT SHELL DR?+
The listing reports pets: Cats OK, Dogs OK, 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 Matlacha Isles?+
At $3,200, this home is listed about 100% below the Matlacha Isles median of $849,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12262 BOAT SHELL DR?+
Trafalgar Middle School (middle), Mariner High School (high), Ida S. Baker High School (high), Pine Island Elementary School (elementary), Gulf Middle School (middle), Cape Coral 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
01Under the MATLACHA ISLES 33991 market on paper
$3,200 is 99% below the MATLACHA ISLES 33991 median of $283,250, and at $3/sqft it sits under the Matlacha Isles average of $552.
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
Trafalgar Middle School, Mariner High School, Ida S. Baker High School, Pine Island Elementary School, Gulf Middle School, Cape Coral 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 LA ROSA REALTY KISSIMMEE · Julieth Romero. MLS #S5155734.
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 Matlacha Isles homes, in your inbox
Like 12262 BOAT SHELL DR but not quite? A daily digest of every new listing in Matlacha Isles — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask John to ping you on any price or status change →