4870 Coquina Rd, Fort Myers Beach, FL 33931
Sources: FGCMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
4870 Coquina RD in Holiday Shores, Fort Myers Beach is listed at $829,900 (1,390 sq ft, about $597 per sq ft). It has been listed Oct 30, 2026. Listing facts: built in 1960. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 1960 · 66 yrs
- 1,390 sq ft of living area
- listed Oct 30, 2026
About this home
his home is the quintessential mid-century Florida ranch with a beachy flair. It sits on an oversized lot with beautiful landscaping and mature trees. The paver driveway and porch make a welcoming statement.
Stepping inside you’ll find a spacious living room and dining room with plenty of room for entertaining. The kitchen has been remodeled for a more open work space including a peninsula for stools and an adjacent lit bar. Beautiful quartz countertops in the kitchen as well as all bathrooms.
To the left you’ll find three spacious bedrooms with plenty of closet space. They easily accommodate a king and two queen beds. The hall bath features a walk-in shower with glass tiles.
One of the bedrooms also features a separate half bath. Throughout the house are the gorgeous original polished terrazzo floors in a very unique color. Step past the kitchen into the sunroom with its additional pantry space.
Enjoy the beautiful view of the back yard through the large triple glass sliders. The sun room helps to create the popular split floor plan with the primary bedroom. The large primary features an on-suite bath and large walk-in closet.
Off the sun room you’ll also find the one car garage with washer and dryer hookups. The backyard is your own mini resort to feel like you’re always on vacation. The large backyard features a pool and tiki hut for amazing entertaining.
The tiki is wired with lights and ceiling fan. Don’t miss the private hot and cold outdoor shower. Great mid island location.
Publix, Snook Bight Marina, Junkanoo, and Fresh Catch Bistro are just around the corner. Enjoy direct access to the beach on a deeded easement. The metal roof is approximately 12 years old.
Furnace, AC, and tankless water heater installed 2022. Completely rewired in 2022.
All 14 photos
Description provided by Century 21 Tri Power Realty and reproduced from the MLS; not independently verified.
The Messtimate
Estimate unavailable for this home right now. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when we can match at least 3 comparable closed sales from the last 18 months to this home. We could not assemble that set for this page today, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 1,390 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 10, 2026.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for HOLIDAY SHORES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $4,498/mo 79%
- Taxes $726/mo 13%
- Insurance $450/mo 8%
$5,674/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 4870 Coquina Rd
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is $8,697/yr per the MLS listing record (TaxAnnualAmount, 2026-11-10). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Lee County is $2,197/yr (6,508 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $4,000–$8,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1960. An original roof would be about 66 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Lee County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Lee County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Holiday Shores market
How this home is priced against recent nearby sales, and where Holiday Shores has been over 25 years. Momentum Research analysis of Florida Gulf Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median $/sq ft by year
Community sold $/sq ft, 2012–2020. This home lists at $597/sq ft.
Median sale price by year
12-month median closed price, 2012–2020.
This home’s history
- 1960BuiltPer public record
- Oct 19, 2026First seen on our siteObserved at $829,900
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
The Momentum read
22% of homes in Holiday Shores are owner-occupied. An estimated 78% are non-owner-occupied, including 11% held in a company or trust and 33% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 9 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Holiday Shores, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Century 21 Tri Power Realty · MLS # 2026043958
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Similar homes for sale near HOLIDAY SHORES
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
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Recently off market in HOLIDAY SHORES
- 4830 Coquina Rd · last listed $775,000 · 2026-09-23
- 4870 Coquina Rd SW · last listed $850,000 · 2026-09-14
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on HOLIDAY SHORES
Go deeper on HOLIDAY SHORES
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Lee County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the HOLIDAY SHORES guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 33931 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 4870 Coquina RD, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1960 (66 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Lee County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,390 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $8,714/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | FGCMLS, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of FGCMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 4870 Coquina RD and when was it built?
Per the listing record, 4870 Coquina RD was built in 1960 and has 1,390 sq ft of living area, 4 bedrooms and 3 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4870 Coquina RD in?
4870 Coquina RD is in Holiday Shores in Fort Myers Beach, Lee County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 4870 Coquina RD differ from the current owner's?
The estimate on this page (about $8,714 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4870 Coquina RD in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 4870 Coquina RD in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Florida Gulf Coast Multiple Listing Service, Inc.. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.