3544 RUBY AVE, ST JAMES CITY, FL, 33956
Active188 days on marketListed Jan 12, 2026MLS #A4677585
About this home
3544 RUBY AVE
Tropical Waterfront Paradise with Endless Charm! Welcome to your own slice of paradise! Nestled on a peaceful cul-de-sac corner lot with 189 feet of stunning waterfront, this exceptional 4-bedroom, 3-bath home perfectly blends luxury, comfort, privacy, and Florida fun. Located on beautiful INTERSECTING CANALS, every day feels like a vacation. Step outside to your private resort-style oasis—take a dip in the heated pool, relax by the firepit, get comfortable with a book on the hammock, or wiggle your toes in your very own playful sandy beach area. Boating enthusiasts will love the covered dock with lift, ideal for easy Gulf access and sunset cruises. TWO MINUTES OUT TO OPEN WATER! Inside, discover a bright and inviting open floor plan designed for relaxing and entertaining. The gourmet kitchen is a chef’s dream, featuring stainless steel appliances, custom cabinetry, Corian countertops, a wine refrigerator and plenty of space for gatherings with family and friends. The main suite offers a peaceful retreat with scenic water views, while the versatile downstairs “in-law” suite which includes a full kitchen and laundry room, providing private accommodations for guests or extended family. Surrounded by lush tropical trees and vibrant landscaping, this home truly embodies the Florida lifestyle—a perfect balance of relaxation, recreation, and natural beauty. Whether you’re lounging by the pool, hosting sunset dinners, or setting out on a morning paddle, every moment here feels like a getaway. Come experience the joy of waterfront living—where every sunrise sparkles on the canal and every sunset invites you to stay just a little longer. Consider adding this home to your income producing portfolio by placing this Coastal Escape on the vacation rental market. This home is in high demand all year!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,950
Sqft
0.28 ac
Lot size
3
Garage
1993
Year built
Two
Levels
$437
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.
$8,731 /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
$8,731/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
$437 vs $419
Days on market
188 vs 109 typical
Where $437/sqft sits among the 12 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 → $535K
St James City median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
4 of 12
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 135% 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 AVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$875,000
3704 BAYVIEW AVENUE
3 bd · 3 ba · 1,921 sqft · $455/sqft · 82 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3544 RUBY AVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3544 RUBY AVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3544 RUBY AVE FAQs
What would the monthly payment be for 3544 RUBY AVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,731/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 AVE?+
The most recent tax bill on record (2024) was $13,591. 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 $1,289,000, this home is listed about 102% above the St James City median of $637,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3544 RUBY AVE?+
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
$1,289,000 runs 135% above the ST JAMES CITY 33956 median — but at 2,950 sqft it's also 64% larger than the typical St James City listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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.
04The price has already moved
Listed at $1,350,000, now $1,289,000 — a $61K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SUNSHINE · Char Seuffert. MLS #A4677585.
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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