4501 Royal Palm Ranch Drive, St James City, FL 33956
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
4501 Royal Palm Ranch Drive in St James City is listed at $995,000 (1,212 sq ft, about $821 per sq ft). It has been listed Dec 17, 2025. Listing facts: built in 1979, 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.
- Built 1979 · 47 yrs
- 1,212 sq ft of living area
- 1-car garage
- listed Dec 17, 2025
- No HOA reported by the listing (confirm)
About this home
This property is located at 4501 Royal Palm Ranch Drive in St. James City, Lee County, Florida, and consists of approximately 10.68 acres situated at the end of a private road. The parcel is bordered by county preserve land, offering a setting with limited through traffic and surrounding open space.
The property includes a ranch-style residence and additional land suitable for a variety of residential or agricultural uses, subject to local zoning and permitting requirements. Purchasing the home with furniture included is negotiable. The existing home has undergone recent updates, including a remodel completed within the past year and the installation of a new metal roof.
According to the owner, the home experienced no reported damage or flooding from recent hurricanes. The residence is positioned to take advantage of the western view across the property, including a pond located behind the home and evening sunsets from the back porch. The land includes cleared and usable areas, with soil already staged and prepared for potential future construction or expansion.
Buyers may choose to use the existing home as a primary residence, secondary residence, or temporary housing while planning additional improvements. The acreage also allows for consideration of agricultural uses such as a small farm or grove, subject to county regulations. Access to the property is provided by Royal Palm Ranch Drive, with the parcel located at the road’s end.
The surrounding county preserve contributes to privacy and limits future development immediately adjacent to the property. Utilities and infrastructure should be independently verified by buyers based on intended use. An additional feature of this offering is the potential to acquire adjoining parcels, allowing a buyer to expand the total acreage up to approximately 41.97 acres.
This presents opportunities for larger-scale land ownership, agricultural operations, or long-term land investment, depending on buyer objectives and regulatory compliance. The property is located within St. James City on Pine Island, an area known for its access to coastal resources, boating, fishing, and a rural residential atmosphere.
Nearby towns and cities provide access to services, shopping, dining, and healthcare.
All 74 photos
Description provided by WHITETAIL PROPERTIES REAL ESTATE 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.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 1,212 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 6, 2026.
Comparable recent sales
Only 2 closed sales within about 10 miles in Lee County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
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 $5,392/mo 75%
- Taxes $1,258/mo 18%
- Insurance $540/mo 8%
$7,190/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.
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.
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.
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.
What it really costs to own 4501 Royal Palm Ranch Drive
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 $7,625/yr (certified county roll, taxable value × millage). Buy at the asking price of $995,000 and the first-year bill resets to about $15,100/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 | The listing states there is no HOA. |
| 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 $4,500–$9,500/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 1979. An original roof would be about 47 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 $1,441/month (tax $1,258, 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.
Pricing & the Lee County market
How this home is priced against recent nearby sales, and where Lee County has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 1979BuiltPer public record
- About Dec 2025Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Dec 17, 2025)
- Jul 10, 2026First seen on our siteObserved at $995,000
- 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
🟢 Buyer-leaning conditions around this listing. 2070.0 months of supply in the surrounding market and 324 days on market for this home, against a 70-day area median.Days on market:this home 324Area median: 70 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. As of July 15, 2026.
What’s unique here: one of only 688 active listings in Lee County, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 4501 ROYAL PALM RANCH DRIVE?
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 WHITETAIL PROPERTIES REAL ESTATE · MLS # OM715050
Request a showing
Similar homes for sale near ST JAMES CITY
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 ST JAMES CITY
- 1216 NW 21 Place · $328,000 · 4 bd / 3.0 ba · listed November 5, 2026 (courtesy of COMPASS FLORIDA, LLC)
- 15041 Sandpiper Preserve Boulevard #104 · $315,000 · 2 bd / 2.0 ba · listed November 5, 2026 (courtesy of PREFERRED SHORE LLC)
- 27221 Morgan Road · $249,900 · 2 bd / 1.0 ba · listed November 4, 2026 (courtesy of CENTURY 21 SUNBELT REALTY)
- 918 Gleason Parkway · $299,900 · 3 bd / 2.0 ba · listed November 3, 2026 (courtesy of CENTURY 21 ALLPOINTS REALTY)
- 1109 SE 40th Street #105 · $250,000 · 2 bd / 2.5 ba · listed November 3, 2026 (courtesy of KW FLORIDA LIVING)
- 3914 SE 9th Court · $435,000 · 3 bd / 2.5 ba · listed November 3, 2026 (courtesy of RE/MAX PALM REALTY)
Recently off market in ST JAMES CITY
- 6523 Equinox Lane · last listed $364,900 · 2026-11-03
- 3049 Longview Lane · last listed $135,000 · 2026-11-03
- 2503 16th Street · last listed $325,000 · 2026-11-03
- 1990 Leisure Drive #3 · last listed $224,000 · 2026-11-03
- 1943 SE 8th Place · last listed $390,000 · 2026-11-03
- 1505 NW 17th Street · last listed $339,000 · 2026-11-03
Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings
More on Lee County
Explore Lee County
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. 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.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
What homes sell for in 33956 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 4501 Royal Palm Ranch Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1979 (47 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.
- Listed living area is 1,212 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 $15,100/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,475 more per year than the current owner’s estimated bill (+98%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: November 6, 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 | 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 4501 Royal Palm Ranch Drive and when was it built?
Per the listing record, 4501 Royal Palm Ranch Drive was built in 1979 and has 1,212 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4501 Royal Palm Ranch Drive in?
4501 Royal Palm Ranch Drive is in St James City, 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 4501 Royal Palm Ranch Drive 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 4501 Royal Palm Ranch Drive differ from the current owner's?
The estimate on this page (about $15,100 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,475 more per year than the current owner’s estimated bill (+98%). 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 4501 Royal Palm Ranch Drive 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 4501 ROYAL PALM RANCH DRIVE 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 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. 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.