$1,249,000
3544 Ruby Avenue
St James City, FL 33956
Listing updated: September 17, 2026 at 6:04 PM ET
Listing courtesy of Charles Rutenberg Realty Ftl · Lisa Marcet · MLS #L4965050 · Active · 954-396-3001Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
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.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history3 days on market
- Status: ActiveSep 14, 2026
- Listed$1,249,000Sep 14, 2026
- Price increased$1,249,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 3
- Cumulative DOM
- 234
- Subdivision
- Bayview Acres
- County
- Lee
- Year built
- 1993
- Living area
- 2,950 sq ft
- Price/sq ft
- $423
- Building area
- 3,288 sq ft (Estimated)
- Lot size
- 12,327 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- AE (12071C0530G)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $15,418 (2025)
- Parcel #
- 02-46-22-11-0000B.0090
- Zoning
- RS-1
- MLS #
- L4965050
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Ceramic Tile, Hardwood
- Appliances
- Bar Fridge, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Walk-In Closet(s)
- Laundry
- In Kitchen
- Stories / Levels
- Two
- Direction faces
- West
- In-law suite
- Yes
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Garage Door Opener, Golf Cart Parking
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Balcony, Fire Pit, Lighting, Outdoor Grill, Sprinkler Metered
- Construction materials
- Other
- Roof
- Metal
- Foundation
- Concrete Perimeter, Pillar/Post/Pier
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Septic Tank
- Water source
- Public
- Utilities
- Electricity Connected, Water Connected
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second | |
| Bathroom 1 | Second | |
| Kitchen | Second | |
| Living Room | Second |
Listing Details
- Listing date
- 2026-09-14
- On market date
- 2026-09-14
- Original list price
- $1,249,000
- Occupant type
- Tenant
- MLS area
- 33956 - Saint James City
- Listing AOR
- Lakeland
- Status changed
- 2026-09-14
- Tax legal description
- BAYVIEW ACRES BLK B PB 11 PG 101 LOT 9
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
GPS
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of September 17, 2026 at 6:04 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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