St. Charles Harbour in Fort Myers

St. Charles Harbour
Homes for Sale in Fort Myers, FL

All 1,387 homes for sale in Fort Myers, FL · median $240,000 · 651 homes for sale in 33908 · Lee County homes for sale

Community in Fort Myers · Lee County · ZIP 33908
42 homesBuilt 1990–2024
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True comps, carrying-cost math, and listings before the portals.

Photo via Florida Gulf Coast MLS

Built fromLive Florida Gulf Coast MLS data12 years of closingsFL DOR public recordsUpdated twice daily

As of November 2026, St. Charles Harbour in Fort Myers, FL has 4 homes for sale. Homes listed or recently sold were built 1992–2023; 4 of 4 report an HOA (median $433/mo); 3 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft).

Last 30 days in St. Charles Harbour: 1 new listing (median asking $2,995,000), 1 under contract right now. As of November 10, 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.

Live · St. Charles Harbour Housing Pulse Florida Gulf Coast MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0%
Under contract
Lee: 18% (1,646 of 9,225)
4 · 0
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 4 a year
Ownership and context
61%
Owner-occupied · St. Charles Harbour
27 of 44 parcels homesteaded (FL DOR 2025)
39%
Non-owner-occupied · St. Charles Harbour
incl. 4% trust or LLC-held · 16% out-of-state
42
Homes in the community
plus 2 vacant residential lots · 44 residential parcels (FL DOR 2025)
Track record · 12 years of records
3
Recorded sales · 2024-2025
median $1.23M · qualified sales on the county roll (FL DOR 2025)
1990–2024
Years homes were built
median 2000 · county roll (FL DOR 2025)
4.8%/yr
Turnover rate
about 2 of 42 homes trade a year

Homes For Sale Right Now in St. Charles Harbour

Live MLS inventory for St. Charles Harbour. 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 and pending St. Charles Harbour listings as of 2026-11-10, 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.

The market around St. Charles Harbour

St. Charles Harbour is too small for its own price trend, so here is the market around it.

In ZIP 33908, 701 homes are on the market and 14% are under contract — a slower corner of Fort Myers.

Across Lee County, 7,579 homes are active and 1,646 pending (18% under contract).

ZIP and county figures describe the wider market, not St. Charles Harbour specifically. Momentum Research analysis of MLS records.

Listing locations from Florida Gulf Coast MLS. Map data © OpenStreetMap contributors.

If we were buying in St. Charles Harbour today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 St. Charles Harbour.

A closer look at the St. Charles Harbour market

The housing stock is 42 homes built between 1990 and 2024, and 61% 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 St. Charles Harbour. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed St. Charles Harbour sales matched to your home.

What is your St. Charles Harbour home worth?

Get a no-obligation home value based on real comparable sales in St. Charles Harbour, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

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Real comps, not an automated estimate.
St. Charles Harbour key facts
LocationFort Myers, Lee County, FL · ZIP 33908
Homes in the community42 (FL DOR 2025 assessment roll)
Years built1990–2024 (median 2000.0)
Typical living area7,037 sq ft (median)
For sale right now4 active, 0 pending · median asking $2,174,500
Owner-occupied (homestead) share61%

Data as of September 20, 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, “St. Charles Harbour key facts,” movewithmomentum.com/neighborhoods/st-charles-harbour, data as of September 20, 2026.

Just listed in St. Charles Harbour

The newest homes for sale in St. Charles Harbour right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS nightly. All new listings in this market.

Every Home for Sale in St Charles Harbour Right Now (4)

All 4 active and pending St Charles Harbour listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

What it really costs to own in St. Charles Harbour

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $15,886/yr across 8 listings here (MLS tax records, 2026-11-11).
HOA duesMedian $433/month across 4 MLS listings (most billed monthly; 2026-11-11). Dues cover what the documents say they cover; ask for the budget and reserve study.
Home and flood insuranceThe 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 ageMedian build year 2000 across 8 listings. An original roof here would be about 26 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 $1,940/month (tax $1,324, HOA $433, insurance $183). An estimate from the sources above, not a quote.

Email me new listings in St. Charles Harbour

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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about St. Charles Harbour

Have a question about the homes, fees, rules or commute here? A Momentum agent who works St. Charles Harbour will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

How much local inventory is already under contract

14% of homes for sale in ZIP 33908 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 (2026-11-03).

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Lee County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,234/mo
Lee County typical true cost to own
$183/mo
Lee County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Recent Developments in St Charles Harbour

Development, infrastructure, retail, and school activity affecting St Charles Harbour, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.

  1. October 2026
    Parks & Amenities

    Sale of 11.4-mile rail corridor for Bonita Estero Rail Trail nears closing

    Estero, Bonita Springs and Collier County are set to buy the Seminole Gulf Railway corridor for $60 million, with closing expected by Jan. 14, 2027. Soil testing found elevated arsenic and hydrocarbons that consultants say can be managed with engineering controls. The corridor is planned as the multiuse Bonita Estero Rail Trail.

    What it may mean for the marketA continuous trail through Estero and Bonita Springs would add a walking and biking route connecting residential areas to shopping and regional trails. The project is about 11 miles southeast of St Charles Harbour, elsewhere in Lee County.

    Source: Gulfshore Business
  2. October 2026
    Retail & Dining

    Cape Coral weighs incentives for first Costco at 600 Chiquita Boulevard South

    The proposed warehouse would be about 165,000 square feet with a fueling facility. The city would provide up to $10 million for site work and impact fees, and the council is scheduled to consider the package at its Nov. 2 meeting. No opening date has been announced.

    What it may mean for the marketIf approved, a warehouse club and fuel station would add a major retail draw and jobs along the Chiquita corridor. The site is about 3 miles northwest of St Charles Harbour.

    Source: WINK News
  3. October 2026
    Retail & Dining

    Whataburger opens in Estero with 158 seats

    Whataburger opened its second Southwest Florida restaurant at 22927 Lyden Drive in Estero, across U.S. 41 from Coconut Point. The restaurant seats 158 and employs about 80 people. It is open daily from 6 a.m. to 11 p.m.

    What it may mean for the marketAdds a late-hours dining option and roughly 80 jobs near the Coconut Point retail area. The project is about 11 miles southeast of St Charles Harbour, elsewhere in Lee County.

    Source: Gulfshore Business
  4. October 2026
    Development

    Cypress Cove owner buys former Ruby Tuesday site off Summerlin Road for $2.2M

    Cypress Living bought the closed restaurant at 9001 Park Royal Drive, a 5,398-square-foot building on about 1.5 acres, for $2.2 million. No new use is chosen, though the CEO said it will not return to restaurant use. Its Harbour Vue eight-story independent living building is expected to break ground in early 2027.

    What it may mean for the marketA vacant restaurant parcel on a road carrying about 37,000 vehicles a day is set to be redeveloped for a non-restaurant use, changing the commercial mix along Park Royal Drive. The project is about 3 miles east of St Charles Harbour, elsewhere in Lee County.

    Source: Gulfshore Business
  5. June 2026
    Retail & Dining

    High 5 Entertainment underway at Village Hub SportsPark in Estero

    Vertical construction is underway on a High 5 Entertainment venue at the Village Hub SportsPark on the north side of Williams Road in Estero. The facility will include the 21-court Estero Pickleball Club, a 16-lane bowling alley, two miniature golf courses, an arcade, a full-service kitchen and bar, and retail space. The CEO said construction should finish within six to eight months, targeting soft openings in February 2027.

    What it may mean for the marketA new entertainment and dining venue adds recreational and commercial space to the Estero activity hub. The project is about 11 miles southeast of St Charles Harbour, elsewhere in Lee County.

    Source: Gulfshore Business
  6. June 2026
    Retail & Dining

    Fort Myers Beach approves Development Order for Times Square entertainment center with hotel and restaurant

    Fort Myers Beach town staff issued a Development Order for a three-story mixed-use entertainment center at 1028 and 1046 Estero Boulevard at Times Square, on the former sites of Sunset Beach Tropical Grill and The Playmore Tiki Bar. The 41,285-square-foot project by Persaud Properties would include six hotel units, a restaurant, shopping, a bar, an entertainment venue with a stage and a public pool. No construction permits had been issued as of the approval, with additional environmental and stormwater approvals still required.

    What it may mean for the marketA new mixed-use entertainment building would add hotel, dining and retail space to the Times Square commercial district and support its post-storm rebuild. The project is about 7 miles south of St Charles Harbour, elsewhere in Lee County.

    Source: Fort Myers Beach Observer

Development alerts for St Charles HarbourGet a short monthly email when something new is approved, funded, or opens near St Charles Harbour.

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

Frequently Asked Questions

How many homes are in St. Charles Harbour?
The Florida DOR 2025 assessment roll shows 42 homes plus 2 vacant residential lots in St. Charles Harbour (public records).
What share of St. Charles Harbour is owner-occupied?
61% of St. Charles Harbour parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in St. Charles Harbour built?
Homes in St. Charles Harbour were built between 1990 and 2024, with a median year built of 2000.0 (FL DOR 2025 roll).
Who is the best real estate agent for St. Charles Harbour?
The best agent for St. Charles Harbour is one who actively works Fort Myers and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for St. Charles Harbour.
How do I find a top Fort Myers real estate agent who knows St. Charles Harbour?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows St. Charles Harbour and the wider Fort Myers area.
Can Momentum Realty connect me with an agent for St. Charles Harbour?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your St. Charles Harbour purchase or sale - no call center and no pressure.
Where is St. Charles Harbour, and what county is it in?
St. Charles Harbour is in Fort Myers, Lee County, FL, ZIP 33908. The community's center is about 13 miles southwest of the center of Fort Myers (straight-line).

Data sources & freshness

Live listingsFlorida Gulf Coast MLS, refreshed twice daily (last: November 10, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (2 streets, ZIP 33908))
Under-contract sharesFlorida Gulf Coast MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2014 (52 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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CallFree valuation →
Thinking of selling in St. Charles Harbour? 2 recorded closings (window ending 2026-09-20). See the Lee County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

Explore more neighborhoods near St. Charles Harbour with Momentum Realty’s local guides.

Catalpa Cove0.5 mi away · median $1.15M, 5 sales/12 moDavis Lake Condo0.5 mi away · 2 for saleCatalpa Pointe0.6 mi away · 67 homes, built 1993–22, 1 for saleSandy Key0.7 mi away · median $630K, 9 sales/12 moSiesta Pines Condo0.7 mi away · median $115K, 3 sales/12 moPalm Acres (Lee)0.7 mi away · median $1.21M, 5 sales/12 moColonial Shores0.8 mi away · median $458K, 4 sales/12 moPinewood Villas (Lee)0.8 mi away · 1 for sale

Browse all neighborhood guides →

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