San Carlos Park / Three Oaks, FL · Single-Family Neighborhoods (Non-Gated)

Three Oaks

Established 1980s-1990s single-family corridor

Single-Family Neighborhoods (Non-Gated)non-gatedMid · $450K – $900KFEMA Zones AE / X · varies by lot

On the Map

Where Three Oaks sits

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Available Now

Homes for sale in Three Oaks

No active listings in Three Oaks right now

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

At a Glance

Three Oaks at a glance

Price Range
Mid
Typically $450K – $900K
Flood Zone
Zones AE / X
Varies by lot, verify your address
High risk · 1% annual chance · BFE established
medium-confidence estimate, verify by address
Community Type
non-gated
Region
San Carlos Park / Three Oaks

Amenities & Lifestyle

What you get living in Three Oaks

FamilyEstablishedSingle Family

Drive Times

Location & access

  • 🏖️ Nearest Beach32 min
  • ✈️ RSW Airport20 min
  • 🏙️ Downtown Fort Myers27 min
  • 🏥 Nearest Hospital20 min
  • 🛣️ I-75 Access14 min

Cost of Ownership

Estimated yearly costs for a mid-tier home

Florida estimates based on a $650,000 home in Three Oaks. 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
$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

Three Oaks is mapped primarily in Zone AE

Our analysis found 2 different flood zones within Three Oaks's footprint (Zone AE, Zone X). 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:

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

Ready to Look Closer?

Get live numbers for Three Oaks

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

Good Questions

Three Oaks, frequently asked questions

What are home prices like in Three Oaks?
Three Oaks 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 Three Oaks in?
Three Oaks straddles more than one FEMA zone (Zones AE / X), 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 Three Oaks?
Closest schools include Three Oaks Elementary School (0.4 mi), Athenian Academy Charter School (1.0 mi), Estero Park Elementary School (1.3 mi). Browse all on the schools directory.
What does it cost to own a home in Three Oaks?
For a $650,000 home, estimate roughly $8,450/yr property tax, $7,800-$14,300/yr insurance (incl. flood), and $0-$150/mo HOA. Full breakdown in the SWFL cost cheatsheet.
What amenities does Three Oaks offer?
Three Oaks features Family, Established, Single Family. Compare similar communities on the interactive map.