Pine Island Cove
Homes for Sale in St James City, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Florida Gulf Coast MLS
As of November 2026, Pine Island Cove in St James City, FL has 12 homes for sale, asking from $89,900 to $220,000 (median $157,750). Over the 12 months ending 2026-11-11, 7 recorded sales closed at a median of $136,236, $142 per square foot, a median 97 days on market, sellers accepting 86% of original asking. Homes listed or recently sold were built 1981–2025 with 2 new construction; 3 of 12 report an HOA (median $160/mo); 6 of the 12 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft). At the median price and Lee County's FY2025-26 rate of 15.97 mills, annual property tax runs about $2,180 ($1,510 with the full homestead exemption).
Part of the Pine Island master-planned community in St James City, FL — see all Pine Island homes for sale (28 listings across 4 villages and sections in the MLS).
Last 30 days in Pine Island Cove: 6 new listings (median asking $179,000). As of November 12, 2026, 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.
Homes For Sale Right Now in Pine Island Cove
Live MLS inventory for Pine Island Cove. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 0 daysTop listing
Active · 1 days
Active · 345 days
Active · 11 days
Active · 112 days
Active · 10 days
Active · 182 days
Active · 2 days
Active · 520 days
Active · 197 days
Active · 5 days
Active · 169 daysActive and pending Pine Island Cove listings as of 2026-11-12, priced high to low. 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. Tap any home to ask about it.
Pine Island Cove right now
🟢 Buyer-leaning market. 20.6 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Florida Gulf Coast MLS records, as of November 11, 2026. Confidence: High (12 active and pending listings, 7 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 13, 2026 · Live data: Florida Gulf Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Pine Island Cove market snapshot (as of November 11, 2026): the median sale price is about $136K ($142 per sq ft over the trailing 12 months of closed sales), a median 97 days on market for closed sales, and 20.6 months of supply, a buyer-leaning market.
In ZIP 33956 (St James City), 48 homes closed in the last 12 months at a median of $490K ($306/sq ft), with a median 101 days on market. Right now 78 active and 3 pending listings put supply at about 19.5 months — a soft market. See the live ZIP 33956 housing market and the Lee County market.
County records show 9 qualified sales in Pine Island Cove across 2024–2025 (3 in 2024, 6 in 2025), median $169,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pine Island Cove is a community of 118 homes in St James City, Lee County, built between 1980 and 2024 (median 1988.0), with a median living area of about 1,724 square feet. 30% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Pine Island Cove. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Pine Island CovePine Island CovePine Island CovePine Island CovePine Island CovePine Island CovePine Island CovePine Island CovePhotos from Florida Gulf Coast MLS listings in Pine Island Cove; content deemed reliable but not guaranteed.
Pine Island Cove on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Florida Gulf Coast MLS. Map data © OpenStreetMap contributors.
The Pine Island Cove buying strategy.
If we were buying in Pine Island Cove today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Pine Island Cove.
A closer look at the Pine Island Cove market
At a median of $142 per square foot, Pine Island Cove prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 20.6 months of supply, a buyer-leaning market. Homes that do trade take a median 97 days on market, useful leverage on any listing that has lingered.
The housing stock is 118 homes built between 1980 and 2024, and 30% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Pine Island Cove. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Pine Island Cove buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (1.3). Basis: Liquidity & Demand 20.6 months of supply; Owner Commitment 30% owner-occupied; Pricing Power 86.3% sale-to-list. Refreshed with each data update.
Tools for a Pine Island Cove buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Pine Island Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pine Island Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Pine Island Cove home worth?
Get a no-obligation home value based on real comparable sales in Pine Island Cove, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Pine Island Cove on the map →
Recently off market in Pine Island Cove
Homes in Pine Island Cove that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 10 on record.
- 4892 Gulfgate Ln · off market
- 4931 Gulfgate Ln · off market
- 4931 Needle Fish Ln · off market
- 4971 Porky Ln · off market
- 4971 Porky Ln S · off market
- 4999 Gulfgate Ln · off market
- 5029 Gulfgate Ln · off market
- 7084 Drum Dr · off market
| Location | St James City, Lee County, FL · ZIP 33956 |
|---|---|
| Homes in the community | 118 (FL DOR 2025 assessment roll) |
| Years built | 1980–2024 (median 1988.0) |
| Typical living area | 1,724 sq ft (median) |
| Home types (current listings and sales) | manufacturedhome 100% |
| Sale prices, last 12 months | $136,236 median across 7 closed sales · $142 per sq ft |
| Days on market (closed sales) | 97 median |
| For sale right now | 12 active, 0 pending · median asking $157,750 · 20.6 months of supply |
| Owner-occupied (homestead) share | 30% |
Data as of November 11, 2026. 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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Pine Island Cove key facts,” movewithmomentum.com/neighborhoods/pine-island-cove, data as of November 11, 2026.
Just listed in Pine Island Cove
The newest homes for sale in Pine Island Cove right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 4639 Catfish Ct $220,000 · 2 bd · 2 ba · 1,608 sq ft · new today Courtesy of Century 21 Sunbelt Realty
- 5029 Gulfgate Ln $215,000 · 2 bd · 2 ba · 1,176 sq ft · listed Nov 12, 2026 Courtesy of Listed Simply
- 7205 Drum Dr $156,000 · 2 bd · 2 ba · 1,089 sq ft · listed Nov 11, 2026 Courtesy of Century 21 Sunbelt Realty
- 7126 Ladyfish Dr $122,000 · 2 bd · 2 ba · 1,004 sq ft · listed Nov 8, 2026 Courtesy of Century 21 Sunbelt Realty
- 7334 Drum Dr $159,000 · 2 bd · 2 ba · 879 sq ft · listed Nov 3, 2026 Courtesy of John R. Wood Properties
- 4921 Cobiac Dr $199,000 · 1 bd · 1 ba · 490 sq ft · listed Nov 2, 2026 Courtesy of Coldwell Banker Realty
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Pine Island Cove Right Now (12)
All 12 active and pending Pine Island Cove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4921 Cobiac Dr · $199,000 · 1 bd / 1 ba · listed Nov 1, 2026 · listed by Coldwell Banker Realty
- 4639 Catfish Ct · $220,000 · 2 bd / 2 ba · listed Oct 19, 2026 · listed by Century 21 Sunbelt Realty
- 7205 Drum Dr · $156,000 · 2 bd / 2 ba · listed Oct 17, 2026 · listed by Century 21 Sunbelt Realty
- 7126 Ladyfish Dr · $122,000 · 2 bd / 2 ba · listed Oct 9, 2026 · listed by Century 21 Sunbelt Realty
- 5029 Gulfgate Ln · $215,000 · 2 bd / 2 ba · listed Oct 2, 2026 · listed by Listed Simply
- 7334 Drum Dr · $159,000 · 2 bd / 2 ba · listed Sep 17, 2026 · listed by John R. Wood Properties
- 4944 Porky Ln · $199,900 · 2 bd / 2 ba · listed Aug 14, 2026 · listed by Sea Glass Gulf Realty
- 7150 Cobiac Dr · $185,000 · 2 bd / 2 ba · listed Aug 14, 2026 · listed by Re/Max Sunshine
- 4939 Mullette Ln · $156,500 · 2 bd / 2 ba · listed Aug 14, 2026 · listed by Century 21 Sunbelt Realty
- 4920 Pinfish Ln · $145,000 · 2 bd / 2 ba · listed Aug 14, 2026 · listed by Sunbird
- 4978 Mullette Ln · $139,900 · 2 bd / 2 ba · listed Aug 14, 2026 · listed by Century 21 Sunbelt Realty
- 7151 Drum Dr · $89,900 · 2 bd / 2 ba · listed Aug 14, 2026 · listed by Pricepoint Realty, LLC
More St James City home searches
- All homes for sale in St James City, FL
- Homes for sale in Lee County, FL
- St James City home values: what is my house worth?
- ZIP 33956 housing scorecard
- 7 coming-soon communities in Lee County
St James City guides & data
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Drum Drive (5 homes on record)
0% of homes for sale in Pine Island Cove are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-13).
What it really costs to own in Pine Island Cove
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $1,607/yr across 24 listings here (MLS tax records, 2026-11-13). |
|---|---|
| HOA dues | Median $160/month across 3 MLS listings (most billed monthly; 2026-11-13). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| 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 depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1987 across 24 listings. An original roof here would be about 39 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 for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $477/month (tax $134, HOA $160, insurance $183). An estimate from the sources above, not a quote.
Email me new listings in Pine Island Cove
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Pine Island Cove
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Pine Island Cove will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Pine Island Cove?
How long do homes in Pine Island Cove take to sell?
Is Pine Island Cove a buyer's or seller's market right now?
How many homes are in Pine Island Cove?
What share of Pine Island Cove is owner-occupied?
When were the homes in Pine Island Cove built?
Who is the best real estate agent for Pine Island Cove?
How do I find a top St James City real estate agent who knows Pine Island Cove?
Can Momentum Realty connect me with an agent for Pine Island Cove?
Where is Pine Island Cove, and what county is it in?
Is Pine Island Cove a good place to live?
Data sources & freshness
| Live listings | Florida Gulf Coast MLS, refreshed twice daily (last: November 12, 2026) |
| Community market stats | Florida Gulf Coast MLS closed sales, 12-month windows ending November 11, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 33956)) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (7 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Florida Gulf Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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See how Pine Island Cove fits the bigger picture — live prices, inventory, and Momentum Scores: