11523 Andy Rosse Lane, Captiva, FL 33924
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 3, 2026, 11523 Andy Rosse Lane in Lanes F A Bayview Sub, Captiva is listed at $3,199,000 (3,555 sq ft, about $900 per sq ft). It has been 83 days on market. Listing facts: built in 2004, a private pool, no HOA. 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 2004 · 22 yrs
- 3,555 sq ft of living area
- 2-car garage
- 83 days on market
- No HOA reported by the listing (confirm)
About this home
Virtually Staged. Virtually Staged. Welcome to one of Captiva Island's most remarkable residences: a stunning Mediterranean-inspired estate nestled on the legendary Andy Rosse Lane, just steps from the Gulf of Mexico.
Move-in ready and finished with fine stylings throughout, this multi-level home delivers the perfect blend of luxury island living, flexible accommodations, and exceptional investment potential as a short-term rental. Arrive via a classic paver brick driveway framed by lush tropical landscaping, climbing vines, and colorful blooms. The stucco façade, clay tile roofline, arched garage doors, and elegant balustrade balcony set a tone of timeless sophistication from the moment you pull in.
A grand staircase sweeps up to the main entry, while a private elevator services every floor of the main house for effortless access. The ground level features a spacious two-car garage with ample storage, a large recreation room perfect for a game room, media lounge, or fitness space, and a full en suite bathroom, ideal for guests or extended stays without ever needing the upper floors. The heart of the home unfolds across a sweeping, light-filled main level featuring large-format travertine tile, soaring coffered ceilings, and graceful arched doorways.
Dual chandeliers anchor a dramatic tray ceiling above the open-concept living and dining room, a space bathed in natural light through picture windows and French doors that open to the outdoors. The gourmet kitchen is a chef's dream, offering custom white cabinetry, a generous island with breakfast bar seating, a walk-in pantry, and a bold statement range hood that adds a touch of artful color. Two well-appointed guest bedrooms, each with a private en suite bathroom, provide comfort and privacy for family and visitors alike.
The main level is rounded out by a convenient laundry room and a powder half bath for guests. The entire top floor exemplifies refined luxury. The primary suite is a true sanctuary, featuring two expansive walk-in closets and a spa-caliber bathroom that will take your breath away.
A dramatic black clawfoot soaking tub with polished chrome fixtures rests beneath a crystal chandelier, flanked by a dual-sink vanity with backlit mirrors, a rich marble tile surround, and a separate oversized walk-in shower. Glimpses of the tropical landscape through the primary bath's windows complete this private retreat. A fourth bedroom with its own en suite bath completes the top floor, perfect for a home office, nursery, or additional guest quarters.
A covered balcony walkway connects the main house to a fully independent in-law suite, a rare and coveted feature on Captiva Island. This self-contained retreat includes a private bedroom, full bathroom, and kitchenette, making it perfect for extended family, a live-in property manager, or a dedicated short-term rental unit. Directly below the in-law suite, a pool bath and bonus room offer additional flexibility for outdoor entertaining, equipment storage, or a cabana-style hangout.
Situated on Andy Rosse Lane, Captiva's beloved main street, this home places you at the center of island life. Stroll to the Gulf beach in seconds, or walk to iconic local favorites like the Mucky Duck and the Bubble Room. Whether you're seeking a full-time residence, a personal island getaway, or a high-performing vacation rental, 11523 Andy Rosse Lane checks every box.
Properties of this caliber, in this location, rarely come to market. Schedule your private showing today.
All 6 photos
Description provided by MERIDIAN RESIDE and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · 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.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 $17,510/mo 76%
- Taxes $4,192/mo 18%
- Insurance $1,332/mo 6%
$23,034/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty 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.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar 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.
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.
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
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
- 2004BuiltPer public record
- About Jul 2026Listed (per MLS)MLS reports 83 cumulative days on market as of October 3, 2026
- Jul 10, 2026First seen on movewithmomentum.comObserved at $3,279,000
- Sep 15, 2026Price cut$3,199,000 (-$80,000, -2.4%)
- 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
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 LANES F A BAYVIEW SUB. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Lee County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 3,555 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 October 3, 2026.
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Listed by MERIDIAN RESIDE · MLS # TB8522459
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Similar homes for sale near LANES F A BAYVIEW SUB
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 LANES F A BAYVIEW SUB
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- 17161 Waters Edge Circle · $350,000 · 3 bd / 2.0 ba · listed October 3, 2026 (courtesy of STEVE'S PROPERTY GROUP LLC)
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More on Lee County
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Browse market data, schools, taxes, and homes for sale across the county.
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.
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.
Buyer research checklist
Items worth confirming for 11523 Andy Rosse Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2004 (22 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- 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.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 3,555 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 $50,300/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $12,500 more per year than the current owner’s estimated bill (+33%). 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 | Stellar MLS, refreshed hourly (last: October 3, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Lee County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | 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 Stellar MLS 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 11523 Andy Rosse Lane and when was it built?
Per the listing record, 11523 Andy Rosse Lane was built in 2004 and has 3,555 sq ft of living area, 6 bedrooms and 6.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 11523 Andy Rosse Lane in?
11523 Andy Rosse Lane is in Lanes F A Bayview Sub in Captiva, 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 11523 Andy Rosse Lane have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 11523 Andy Rosse Lane differ from the current owner's?
The estimate on this page (about $50,300 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $12,500 more per year than the current owner’s estimated bill (+33%). 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 11523 Andy Rosse Lane 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 11523 ANDY ROSSE LANE in person
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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.
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 and we will review and correct or remove it promptly.
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.
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 Stellar MLS Internet Data Exchange, as distributed by MLS GRID. 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: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. 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. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.