4507 LAKE HEATHER CIRCLE, ST JAMES CITY, FL, 33956
Active16 days on marketListed Sep 4, 2026MLS #TB8545753
About this home
4507 LAKE HEATHER CIRCLE
WIDE LAKE VIEWS, A BRAND NEW 2026 KITCHEN AND PEACEFUL PINE ISLAND LIVING! Welcome to Pine Island Village in Saint James City, where tranquil water views, an open layout and the relaxed charm of Old Florida come together in this beautiful 3 bedroom, 2 bathroom home offering 1,553 square feet of living space on a .25 acre homesite. Positioned on one of the higher elevations on the island and located in Flood Zone X, the home sustained no damage from recent storms, offering added peace of mind. Inside, the bright great room features tile flooring throughout, tray ceilings, abundant natural light and expansive lake views. At the heart of the home is the completely remodeled kitchen, NEW IN 2026, featuring white shaker cabinetry, striking stone countertops with a matching full height backsplash, an oversized island with plenty of prep and seating space, farmhouse style sink, stainless steel appliances, wall ovens, cooktop, pot filler, modern black hardware and generous storage. A large window overlooking the lake brings the peaceful setting right into the kitchen, while the open design flows easily into the living and dining areas. The spacious primary suite features a tray ceiling, private access to the screened lanai and an en suite bath with dual vanities, ample cabinetry and a walk in tiled shower. Two additional bedrooms provide flexibility for guests, a home office or hobby space, while the guest bath offers a granite vanity, tub and shower combination and convenient exterior access. Step outside to the screened and pavered lanai overlooking the expansive backyard and lake, an ideal place to enjoy quiet mornings and peaceful evenings. Additional features include a metal roof, impact rated windows and doors, a pavered driveway and a two car garage. Pine Island Village is a small, friendly community with a low HOA of just $350 per year, a community pool, basketball court and walking areas. Beyond the neighborhood, Pine Island offers a slower paced Old Florida lifestyle surrounded by tropical farms, native wildlife and natural beauty, while still putting you close to local restaurants, live music, art, world class fishing, boating and ferry access to the surrounding barrier islands. COME EXPERIENCE THE SPACE, WATER VIEWS AND LAID BACK ISLAND LIFESTYLE THAT MAKE THIS HOME SO SPECIAL!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,553
Sqft
0.25 ac
Lot size
2
Garage
2017
Year built
One
Levels
$290
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 and the real association fee — not generic estimates.
$3,344 /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
$3,344/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
$290 vs $423
Days on market
16 vs 99 typical
Where $290/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 Village
Get to know St James City. See the full St James City guide →
Pine Island Village — neighborhood snapshot
Population
467
Median age
73
Median income
$50,714
Median home value
$221,300
Avg household
2
Households w/ children
12%
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.
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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4507 LAKE HEATHER CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4507 LAKE HEATHER CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4507 LAKE HEATHER CIRCLE FAQs
What would the monthly payment be for 4507 LAKE HEATHER CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,344/mo — principal and interest, the actual property-tax bill, the $29/mo association fee 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.
How much are the HOA fees at 4507 LAKE HEATHER CIRCLE?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4507 LAKE HEATHER CIRCLE?+
The most recent tax bill on record (2025) was $3,681. 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 4507 LAKE HEATHER CIRCLE?+
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 $450,000, this home is listed about 21% 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 4507 LAKE HEATHER CIRCLE?+
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 THE KEYES COMPANY · Tiffany Packard. MLS #TB8545753.
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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