SingleFamilyResidence in SANIBEL ESTATES · No CDD on record
SANIBEL ESTATES · Sanibel, FL 33957 · Lee County
Listing data checked against the MLS October 31, 2026 at 6:31 PM ET · rechecked hourly
Listed by Kingfisher Real Estate, Inc. (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
4Bathrooms
3,659Sq Ft
2001Year Built
$1066Per Sq Ft
No CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
80% above
$/sq ft vs community
$1066 here vs $592 median sold (12 mo)
Buyer leverage
Seller-leaning
7 days on market
Zone AE
Flood risk
Confirm requirements with FEMA; ~4 ft elevation
$14k–$30k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
545 Lighthouse WAY in Sanibel Estates, Sanibel is listed at $3,900,000 (3,659 sq ft, about $1,066 per sq ft). That is 213% above Sanibel Estates's median closed sale of $1,245,000 over the last 12 months (14 recorded sales). Per square foot it is above the community's recent $592/sq ft by about 80%. It came to market within the past week. Listing facts: built in 2001, HOA dues of $42/mo. 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.
No CDD assessment on record
Built 2001 · 25 yrs
3,659 sq ft of living area
New to market
HOA $42/mo (per listing)
Listing description
About this home
Situated along prestigious Lighthouse Way on the desirable East End, this exceptional coastal contemporary residence with116 ft of frontage affords deep water with quick direct Sailboat access to the calm bay waters and beyond. Complete with a private boat dockwith the potential to construct a boat lift (buyer to verify) and ideally positioned in close proximity to a full-service marina, waterfrontrestaurants, and island amenities, this home offers the ultimate boating lifestyle. Masterfully designed by Dwayne Bergman Interiors, thisresidence showcases a refined, sophisticated aesthetic paired with relaxed waterfront living and is superbly constructed of solid concrete onthe first two levels.
Surrounded by turquoise water views and lush tropical landscaping, the setting is as impressive as the home itself. Inside, the light-filled open-concept living spaces feature hand-finished white oak flooring, and exceptional details including a striking glassstaircase that sets a modern architectural tone. The main living area flows seamlessly for both everyday living and entertaining, completewith a fireplace and custom wet bar.
The designer kitchen is a true showpiece—sleek, bright, and highly functional featuring waterfall-edgeCambria countertops, an oversized island, custom cabinetry, premium appliances, and a spacious hidden pantry. With the kitchen openingdirectly to the dining and living areas it creates a cohesive and inviting gathering space. The primary suite is a private retreat with a spa-inspired bath and an expansive custom walk-in closet with built-ins.
A dedicated home office or additional bedroom with balcony accessprovides a refined and flexible workspace. Outdoor living is equally exceptional. A large covered lanai with a tongue and groove pine ceilingand grilling area overlooks the heated saltwater pool and spa featuring vintage brick decking with copious space to relax and take in thecoastal surroundings.
This residence presents a rare opportunity to own a meticulously designed waterfront home in one of the area's mostsought-after locations.
All 50 photos
Description provided by Kingfisher Real Estate, Inc. and reproduced from the MLS; not independently verified.
Listing courtesy of Kingfisher Real Estate, Inc. · Listing agent: Phaidra McDermott · 239-472-4411Provided via the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange · Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information deemed reliable but not guaranteed by the MLS to be accurate. · 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. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Lee County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for SANIBEL ESTATES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
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
List price$3,900,000
Bed / bath3 / 4
Living area3,659 sq ft
Year built2001
Property typeSingleFamilyResidence
MLS #2026042617
Listing statuslisted Oct 24, 2026
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~4 ft
CountyLee
Area listings3 active · 0 under contract
Estimated first-year tax~$61,475/yr
CDD assessmentNone on record
HOA$42/mo
Calculated estimates
Price per sq ft$1066
Estimated monthly payment$28,134
Insurance (illustrative)$14k–$30k/yr
Comparable-sales median$1,245,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$28,134/mo
Principal & interest $21,263/mo76%
Taxes $5,123/mo18%
Insurance $1,706/mo6%
HOA $42/mo0%
$28,134/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Lee County rate (15.97 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $35,075/yr ($2,923/mo) — taxable value $2,195,605 × 15.97 mills
$26,400 more each year
(+75%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$2,246,327
Market value
$2,246,327
Assessed
$2,195,605
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Florida Gulf Coast MLS; millage: Lee County Property Appraiser 2025 Taxing District Millage Book; Lee County Schools 2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 545 Lighthouse Way
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 about $35,075/yr (certified county roll, taxable value × millage). Buy at the asking price of $3,900,000 and the first-year bill resets to about $61,475/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.97 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
$42/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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 $14,500–$29,500/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 2001. An original roof would be about 25 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.
Estimated carrying cost at the asking price, before the mortgage: about $5,348/month (tax $5,123, HOA $42, insurance $183). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$14k–$30k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$42/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~4 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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)
Hazard risk
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.
HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningVery High
Strong windRelatively Moderate
DroughtRelatively Low
HailVery Low
Cold waveRelatively Moderate
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
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Sanibel Estates
Pricing & the Sanibel Estates market
How this home is priced against recent nearby sales, and where Sanibel Estates 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.
Price vs. size in Sanibel Estates
Each dot is a closed sale since 2014 (126 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). FGCMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2014–2026. This home lists at $1066/sq ft.
Median sale price by year
12-month median closed price, 2014–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2015–2026. Now 65 (hot).
Property timeline
This home’s history
2001BuiltPer public record
Oct 9, 2026First seen on movewithmomentum.comObserved at $3,900,000
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.
Transparency
Price & listing history
Listed for $3,900,000Kingfisher Real Estate, Inc. · listed Oct 24, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
38/100
Strongest on: Pricing power (83), Market liquidity (72)
0 limited50100 exceptional
38/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $1066/sq ft vs the community 12-month median $592/sq ft.
Affordability0
List price $3,900,000 vs the community median $1,245,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~4 ft elevation. Verify the parcel with FEMA.
Insurance cost34
From FEMA Zone AE and a 2001 build. Obtain a property-specific quote.
Market liquidity72
Community median 34 days on market (12-month record).
Pricing power83
Recent sales closed at about 91.5% of original asking (~8.5% below). More room below asking generally favors buyers.
Market timing35
Momentum Market Heat is 65/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $1066 per square foot, about 80% above the community’s $592 median. Sanibel Estates’s 12-month median sold price per square foot is $592. Median sold price per square foot is up 31.1% year over year. Confidence: Medium · 14 closed sales in 12 monthsMLS facts: FGCMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
35% of homes in Sanibel Estates are owner-occupied. An estimated 65% are non-owner-occupied, including 17% held in a company or trust and 52% 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), 58 homes matched. Community-level context.
Recent Sanibel Estates sales closed near 91.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of FGCMLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Sanibel Estates, no CDD assessment.
Checked against the MLS October 31, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Kingfisher Real Estate, Inc. · MLS # 2026042617
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Keep looking
Similar homes for sale near SANIBEL ESTATES
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
May 2026 · Development
Daytona Beach approves Avalon Park Daytona, a master-planned community of about 8,800 homes west of I-95
Daytona Beach commissioners approved Avalon Park Daytona in May 2026, clearing the way for a master-planned community of about 8,800 homes on land west of Interstate 95. The approval also allows commercial and mixed-use space as the project builds out over many years.
Why it matters: A large new master-planned community adds substantial future housing supply west of Interstate 95, a shift that can influence competition and pricing for existing communities in the area. The site is about 11 miles west of Sanibel Estates.
FDOT builds a new $75 million I-95 interchange at Pioneer Trail near New Smyrna Beach
The Florida Department of Transportation is building a new $75 million interchange on Interstate 95 at Pioneer Trail near New Smyrna Beach. The roughly 2-mile project widens Pioneer Trail to four lanes and adds a roundabout at Turnbull Bay Road, with construction underway in 2026.
Why it matters: A new interstate interchange improves access and shortens drive times in southeast Volusia, the kind of infrastructure that has historically shaped where demand and new development concentrate. The site is about 7 miles southwest of Sanibel Estates.
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.
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.
School zoningThis address is in the Lee County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 545 Lighthouse WAY, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2001 (25 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $42/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 3,659 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 $61,475/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $26,400 more per year than the current owner’s estimated bill (+75%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
FGCMLS, checked against the MLS hourly (last: October 31, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Lee County — no medians or automated estimate shown
Certified county tax roll (parcel-matched) × county millage; 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.
Answered before you ask
Frequently asked questions
How big is 545 Lighthouse WAY and when was it built?
Per the listing record, 545 Lighthouse WAY was built in 2001 and has 3,659 sq ft of living area, 3 bedrooms and 4 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 545 Lighthouse WAY in?
545 Lighthouse WAY is in Sanibel Estates in Sanibel, 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.
Does 545 Lighthouse WAY have an HOA, and how much are the dues?
The listing reports HOA dues of $42 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 545 Lighthouse WAY differ from the current owner's?
The estimate on this page (about $61,475 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $26,400 more per year than the current owner’s estimated bill (+75%). 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 545 Lighthouse WAY 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.
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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.
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.
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1 / 1 photosListing courtesy of Kingfisher Real Estate, Inc.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
