5460 Harborage Dr, Fort Myers, FL 33908
Sources: FGCMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
5460 Harborage DR in Harborage, Fort Myers is listed at $1,999,000 (4,327 sq ft, about $462 per sq ft). It has been listed Apr 30, 2025. Listing facts: built in 1991, HOA dues of $317/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.
- Built 1991 · 35 yrs
- 4,327 sq ft of living area
- listed Apr 30, 2025
- HOA $317/mo (per listing)
About this home
Tenant Occupied. Unique, 2-story modern European architecture overlooking a 60-acre navigable ski lake. Gulf access.
Gated. Perfect for family/pets with 6 Beds, 4.5 Baths & telework. Saltwater pool.
Spacious Owner’s Suite on 1st floor. Columns surround a jacuzzi bath off the formal living/dining/foyer. Decorative bronze room divider in Foyer.
The other 5 bedrms are split or upstairs. A 1st floor bedrm has sliding French doors opening to Family Rm for an office. Family Rm overlooks expansive lake view.
Imported Italian carved décor surrounding gas/wood fireplace, custom decorative travertine flooring. Kitchen: desk, pantry, sit-down kitchen bar & separate Drinks Bar! Use private 2nd floor 500 SF rm over garage for hobbies, theatre, or large office.
It features hardwood floor & stair, custom in-laid wood décor & front exterior balcony with view on Harborage Dr. 1 of the 3 upstairs Bedrms has an en suite Lav/Toilet/Shower that functions as 2nd Master Suite with landing Wet Bar, undercounter mini fridge & wine glass holders. All 3 upstairs bedrms have access to an ext “L” shaped balcony overlooking the dramatic rear lake view & pool.
Ornate decorative oil-rubbed bronze double entry doors with sidelights & arch. 5 outdoor travertine steps & decorate cement balustrade handrails. Plantation shutters.
8’ high interior doors. Wall moldings. Central vacuum.
Impact glass on windows & doors in the new addition. Some original windows & doors are not impact rated. All hard surfaced flooring of travertine, tile or hardwoods.
9 custom ceiling fans, 3 custom formal chandeliers. Pool/Spa Combo with waterfall & electric pool heater. New pool deck.
Dry Sauna, outdoor shower & Pool Toilet/Sink off the rear pool patio. SS Thermador sub-zero fridge, microwave, wall oven & warmer. Bosch dishwasher.
New private, deeded boat dock in your back yard! Sandy, sloped lake-side shoreline. Community amenities include everything you need to entertain the young-to-old: gated security, boat storage area, tennis, pickle ball, basketball, pool, playground, gazebo with BBQ & covered picnic area, lake beach, & jogging trail.
Fishing, boating, jet skis, skiing, kayaking, paddleboards, canoeing. Possible RV storage, but boats take priority. Some amenities are in the repair/update process.
Large metal security gates in process. 104 acres of total lakes. 3 community boat launches; 2 launches for the 2 lakes, 1 launch with direct gulf access via Estero Bay & Mullock Creek.
About 20 min to the gulf to explore the sunny, white sand tropical islands & waterfront restaurants of Lee County by boat! Low HOA fee. 3 zoned air-conditioning units 2014.
Original structure 1990. Tile Roof 2002 AND major addition & upgrades; architecture plans available. Appliance repair contract included.
The home is occupied. Video/audio recording on premises. Virtual showing by videos are available.
All 50 photos
Description provided by Mary Elen Bundschu Burnup, Bkr 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 4,327 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 12, 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 HARBORAGE. 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 $10,834/mo 78%
- Taxes $1,749/mo 13%
- Insurance $1,014/mo 7%
- HOA $317/mo 2%
$13,914/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 5460 Harborage Dr
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 $4,172/yr per the MLS listing record (TaxAnnualAmount, 2026-11-12). 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. |
|---|---|
| HOA dues | $317/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 $8,500–$17,500/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 1991. An original roof would be about 35 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 $848/month (tax $348, HOA $317, insurance $183). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.
This home’s history
- 1991BuiltPer public record
- About Apr 2025Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Apr 30, 2025)
- Aug 4, 2026First seen on our siteObserved at $1,999,000
- 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.
Price & listing history
Building permits
The Momentum read
67% of homes in Harborage are owner-occupied. An estimated 33% are non-owner-occupied, including 5% held in a company or trust and 13% 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), 120 homes matched. Community-level context.
What’s unique here: one of only 7 active listings in Harborage, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 5460 Harborage DR?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by Mary Elen Bundschu Burnup, Bkr · MLS # 224062537
Request a showing
Similar homes for sale near HARBORAGE
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.
Newest listings in HARBORAGE
- 5100 Harborage Dr · $725,000 · 3 bd / 3 ba · listed November 5, 2026 (courtesy of KW Florida Living)
- 5561 Harborage Dr · $925,000 · 4 bd / 2 ba · listed October 16, 2026 (courtesy of John R Wood Properties)
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 HARBORAGE
Go deeper on HARBORAGE
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 HARBORAGE 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 33908 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 5460 Harborage DR, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1991 (35 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 $317/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 4,327 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 $20,990/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 14, 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 5460 Harborage DR and when was it built?
Per the listing record, 5460 Harborage DR was built in 1991 and has 4,327 sq ft of living area, 6 bedrooms and 5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5460 Harborage DR in?
5460 Harborage DR is in Harborage in Fort Myers, 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 5460 Harborage DR have an HOA, and how much are the dues?
The listing reports HOA dues of $317 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 5460 Harborage DR differ from the current owner's?
The estimate on this page (about $20,990 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 5460 Harborage DR 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 5460 Harborage DR in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
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.