3544 Ruby Ave, photo 1
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Overview

4 bd3 ba2,950 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1993
Lot12,327 sqft
Living area2,950 sqft
Price / sqft$423
Garage2 car

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About this home

Ceiling Fans(s)Walk-in Closet(s)BalconyFire PitLightingOutdoor GrillSprinkler MeteredBar Fridge

3544 Ruby Ave is a 1993-built home in Bayview Acres, St James City. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,950 square feet of living space. Listed at $1,249,000 (about $423/sqft), 35 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

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.

The essentials

Built
1993
Price / sqft
$423
On market
35 days
Annual tax
$15,418
Flood zone
AE
Lot
12,327 sqft
Type
Single Family Residence

At a glance

Single family
Built 1993
Waterfront
Canal - Saltwater
Private pool
In Ground
2 car garage
Garage Door Opener
0.28 acres
Lot size

Payment

Est. monthly payment
$8,423/mo
Down payment (20%)
$249,800
Property taxes
$1,285/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1993
Lot
12,327 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Golf Cart Parking
Pool
In Ground
Waterfront
Canal - Saltwater
Days on Market
35
Ceiling Fans(s)
Walk-in Closet(s)
Balcony
Fire Pit
Lighting
Outdoor Grill
Sprinkler Metered
Bar Fridge
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Pine Island Elementary
Middle
Gulf Middle School
High
Ida S. Baker High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE
Annual Tax (2025)
$15,418
Parcel #
02-46-22-11-0000B.0090

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Bayview Acres
County
Lee
MLS Area
33956 - Saint James City
Lot Size
12,327 sqft
Cul-De-Sac

Price history

Date
Event
Price
9/14/2026
Listed for sale
Source: Stellar MLS #L4965050
$1,249,000
$423/sqft

Neighborhood

3544 Ruby Ave
St James City, FL, 33956 · 33956 - Saint James City

Market insights

Offer Insights

Choose an offer strength

List price: $1,249,000
$1.22M – $1.25M
97.5% – 100% of listTops out right at the list price
80% of listList price
257 of the last 513 home closings in Lee County landed at this number or higher (50%). The median one sat 48 days before it went under contract, and this one is on day 35.

Sample: 513 closed home sales in Lee County over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$8,423/mo
Principal & interest$6,514
Property taxes$1,285
Insurance$625
Down payment20% · $249,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,249,000

$423 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,950 sq ft

Time on market

35 days

Year built

1993

Monthly payment

About $8,423/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $15,418 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byCHARLES RUTENBERG REALTY FTLListing agent: Lisa MarcetListing data from Stellar MLS, MLS# L4965050.

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