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Pedro Casanova

| The KREN Group | Keller Williams Premier Properties | PLACE

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3544 Ruby Ave , St James City, FL 33956
$1,224,000
Est. Payment: $6,707.79/mo
4 Bed
3 Bath
Status: active | Days on site: 47
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CHHF01 - 3048674
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House Description

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, & 189 ft of waterfront creating the perfect setting for the ultimate coastal lifestyle. Situated on a peaceful cul-de-sac corner lot, this 4-bed, 3-bath home combines comfort, privacy, and effortless indoor-outdoor living. Step outside to a 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 & fillet station, with quick access to open water. The kitchen features custom cabinetry, Corian countertops, SS appliances, a wine fridge, & ample space for gathering. The main suite offers peaceful water views, while the versitile lower-level guest/in-law suite provides privacy & includes its own kitchen & laundry. 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 SJC with the unmistakealbe feel of the Florida Keys right at home. This home on the vacation rental market, offers an attractive opportunity for those looking for a personal island retreat with income potential. 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.

Highlights

Listed by Lisa Marcet , 954-662-6119 Charles Rutenberg Realty FTL , 954-396-3001. REALTOR Association of Greater Miami and the Beach

Property Type

Residential

Year Built

1993

County

Lee

Area

5940 Florida Other

Neighborhood

Bayview Acres

Listing ID

A12111574

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Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:4
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dryer, Dishwasher, Electric Range, Electric Water Heater, Disposal, Microwave, Refrigerator, Wine Cooler, Washer
Air Cond:Central Air,Ceiling Fan(s),Electric
Fireplaces:
Floor:Ceramic Tile,Hardwood,Wood
Other:
  • ▪ Additional:Bedroom on Main Level, Split Bedrooms, Upper Level Primary, Walk-In Closet(s)
Water:Public

Exterior Features

Lot:1/4 to 1/2 Acre Lot
Zoning:RS-1
Roof:Metal
Others:
  • ▪ Additional:Deck, Enclosed Porch, Fence, Fruit Trees, Lighting, Patio
Sewer:Septic Tank
Parking Features:Covered,Golf Cart Garage,Garage Door Opener
Principal Interest
$6,708
Taxes
$1,285

Home Price

$1,224,000

Loan Details

30 yrs
7.292%

Down Payment

20%
$244,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$6,707.79

Principal

Taxes

Principal Taxes HOA Total
Monthly $6,707.79 $1,284.83 $0.00 $7,992.62
Yearly $80,493.45 $15,418.00 $0.00 $95,911.45
Total $2,414,803.59 $462,540.00 $0.00 $2,877,343.59

Today's Rates

30 Year

7.29%

20 Year

6.92%

15 Year

6.5%

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Market insight data is pulled from the same city as the listing being viewed (St James City, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by REALTOR Association of Greater Miami and the Beach, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-10-31T17:11:00.000Z

© 2026 REALTOR Association of Greater Miami and the Beach