Estero, FL · Gated & Master-Planned Communities

Bay Creek

Smaller gated near Coconut Point

Gated & Master-Planned CommunitiesgatedMid · $450K – $900KFEMA Zone AE

On the Map

Where Bay Creek sits

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Homes for sale in Bay Creek

No active listings in Bay Creek right now

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At a Glance

Bay Creek at a glance

Price Range
Mid
Typically $450K – $900K
Flood Zone
Zone AE
High risk · 1% annual chance · BFE established
high-confidence estimate, verify by address
Community Type
gated
Region
Estero

Amenities & Lifestyle

What you get living in Bay Creek

Single FamilyFamily

Drive Times

Location & access

  • 🏖️ Nearest Beach38 min
  • ✈️ RSW Airport33 min
  • 🏙️ Downtown Fort Myers39 min
  • 🏥 Nearest Hospital29 min
  • 🛣️ I-75 Access27 min

Cost of Ownership

Estimated yearly costs for a mid-tier home

Florida estimates based on a $650,000 home in Bay Creek. Actual numbers vary, book a Strategy Session for a live, parcel-specific quote.

Property Tax
$8,450
~$704/mo · Lee County millage ~1.3%
Insurance (incl. flood)
$7,800, $14,300
Flood + wind in high-risk zone
HOA Estimate
$150, $600/mo
Gated community range

Estimates only. Florida Homestead Exemption (when you qualify) can knock $750-1,500 off the annual tax bill.

⚠️ Flood Zone Accuracy Note

Bay Creek is mapped primarily in Zone AE

All sample points within Bay Creek returned Zone AE. Individual parcels may differ, flood zones are assigned per parcel by FEMA, not per community.

Before making an offer, always verify the exact flood zone for the specific property address:

🔍 Verify on FEMA Map Service Center →Ask Rick for the Exact Zone →

Source: FEMA National Flood Hazard Layer · sampled at 5 points per community · confidence: high

Schools Nearby

Top schools within 8 miles of Bay Creek

Spring Creek Elementary School

0.6 mi
Elementarypublic· DOE Grade B· Score 67/100

Discovery Day Academy

0.6 mi
K-8private· Score 0/100

Gospel Baptist Christian School

1.0 mi
K-12christian· Score 90/100

Richard Milburn Academy South

1.0 mi
Highcharter· Score 0/100

Grace Community School

1.3 mi
Pre-Kchristian· Score 80/100

Bonita Springs Charter School

1.4 mi
K-8charter· DOE Grade A· Score 77/100

Compare

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Ready to Look Closer?

Get live numbers for Bay Creek

HOA dues, current listings, recent sales, builder incentives, all change weekly. Book a free Strategy Session and I'll pull a live snapshot for Bay Creek tailored to your timeline and budget.

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Good Questions

Bay Creek, frequently asked questions

What are home prices like in Bay Creek?
Bay Creek is in the mid price tier, typically Typically $450K – $900K. List prices vary by size, age, condition, and current inventory; search current listings or ask Rick for live comps.
What FEMA flood zone is Bay Creek in?
Bay Creek is mapped primarily in FEMA Zone AE, High risk · 1% annual chance · BFE established. Individual parcels can differ; Rick verifies the exact zone for any address.
What schools are near Bay Creek?
Closest schools include Spring Creek Elementary School (0.6 mi), Discovery Day Academy (0.6 mi), Gospel Baptist Christian School (1.0 mi). Browse all on the schools directory.
What does it cost to own a home in Bay Creek?
For a $650,000 home, estimate roughly $8,450/yr property tax, $7,800-$14,300/yr insurance (incl. flood), and $150-$600/mo HOA. Full breakdown in the SWFL cost cheatsheet.
What amenities does Bay Creek offer?
Bay Creek features Single Family, Family. Compare similar communities on the interactive map.