Sanibel & Captiva, FL · Single-Family Neighborhoods

Gulf Beach (Captiva)

Gulf-front on Captiva's main road

Single-Family Neighborhoodssingle-familyLuxury · $900K+FEMA Zones AE / VE · varies by lot

On the Map

Where Gulf Beach (Captiva) sits

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Homes for sale in Gulf Beach (Captiva)

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At a Glance

Gulf Beach (Captiva) at a glance

Price Range
Luxury
Typically $900K+
Flood Zone
Zones AE / VE
Varies by lot, verify your address
High risk · 1% annual chance · BFE established
medium-confidence estimate, verify by address
Community Type
single-family
Region
Sanibel & Captiva

Amenities & Lifestyle

What you get living in Gulf Beach (Captiva)

BeachWaterfront

Drive Times

Location & access

  • 🏖️ Nearest Beach51 min
  • ✈️ RSW Airport70 min
  • 🏙️ Downtown Fort Myers64 min
  • 🏥 Nearest Hospital51 min
  • 🛣️ I-75 Access65 min

Cost of Ownership

Estimated yearly costs for a luxury-tier home

Florida estimates based on a $1,250,000 home in Gulf Beach (Captiva). Actual numbers vary, book a Strategy Session for a live, parcel-specific quote.

Property Tax
$16,250
~$1,354/mo · Lee County millage ~1.3%
Insurance (incl. flood)
$15,000, $27,500
Flood + wind in high-risk zone
HOA Estimate
$0, $150/mo
Typically low/none

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

⚠️ Flood Zone Accuracy Note

Gulf Beach (Captiva) is mapped primarily in Zone AE

Our analysis found 2 different flood zones within Gulf Beach (Captiva)'s footprint (Zone AE, Zone VE). The exact flood zone for any specific home depends on its parcel, homes on different streets, lots, or elevations within the same community can have different zone classifications.

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: medium

Compare

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Ready to Look Closer?

Get live numbers for Gulf Beach (Captiva)

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Good Questions

Gulf Beach (Captiva), frequently asked questions

What are home prices like in Gulf Beach (Captiva)?
Gulf Beach (Captiva) is in the luxury price tier, typically Typically $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 Gulf Beach (Captiva) in?
Gulf Beach (Captiva) straddles more than one FEMA zone (Zones AE / VE), the exact zone depends on the specific lot, so insurance can differ street to street. Rick verifies the exact zone for any address before you offer.
What schools are near Gulf Beach (Captiva)?
See nearby options on the schools directory.
What does it cost to own a home in Gulf Beach (Captiva)?
For a $1,250,000 home, estimate roughly $16,250/yr property tax, $15,000-$27,500/yr insurance (incl. flood), and $0-$150/mo HOA. Full breakdown in the SWFL cost cheatsheet.
What amenities does Gulf Beach (Captiva) offer?
Gulf Beach (Captiva) features Beach, Waterfront. Compare similar communities on the interactive map.