Alva / Olga / Pine Island / Matlacha, FL · Age-Restricted 55+ Communities

Pine Island Cove

55+ manufactured on north Pine Island

Age-Restricted 55+ Communities55+Entry · $200K – $450KFEMA Zones AE / VE · varies by lot

On the Map

Where Pine Island Cove sits

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Homes for sale in Pine Island Cove

No active listings in Pine Island Cove right now

New homes list here weekly, search nearby or ask Rick to watch this community for you.

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At a Glance

Pine Island Cove at a glance

Price Range
Entry
Typically $200K – $450K
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
55+
Region
Alva / Olga / Pine Island / Matlacha

Amenities & Lifestyle

What you get living in Pine Island Cove

GatedManufactured HomesResort Amenities

Drive Times

Location & access

  • 🏖️ Nearest Beach30 min
  • ✈️ RSW Airport49 min
  • 🏙️ Downtown Fort Myers43 min
  • 🏥 Nearest Hospital30 min
  • 🛣️ I-75 Access44 min

Cost of Ownership

Estimated yearly costs for a entry-tier home

Florida estimates based on a $350,000 home in Pine Island Cove. Actual numbers vary, book a Strategy Session for a live, parcel-specific quote.

Property Tax
$4,550
~$379/mo · Lee County millage ~1.3%
Insurance (incl. flood)
$4,200, $7,700
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

Pine Island Cove is mapped primarily in Zone AE

Our analysis found 2 different flood zones within Pine Island Cove'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 Pine Island Cove

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

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Good Questions

Pine Island Cove, frequently asked questions

What are home prices like in Pine Island Cove?
Pine Island Cove is in the entry price tier, typically Typically $200K – $450K. List prices vary by size, age, condition, and current inventory; search current listings or ask Rick for live comps.
What FEMA flood zone is Pine Island Cove in?
Pine Island Cove 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 Pine Island Cove?
See nearby options on the schools directory.
What does it cost to own a home in Pine Island Cove?
For a $350,000 home, estimate roughly $4,550/yr property tax, $4,200-$7,700/yr insurance (incl. flood), and $0-$150/mo HOA. Full breakdown in the SWFL cost cheatsheet.
What amenities does Pine Island Cove offer?
Pine Island Cove features Gated, Manufactured Homes, Resort Amenities. Compare similar communities on the interactive map.