What are home prices like in White Caps?

White Caps is in the mid price tier, typically Typically $450K – $900K. List prices vary by size, age, condition, and inventory. Search current listings at /search.

What FEMA flood zone is White Caps in?

White Caps is mapped primarily in FEMA Zone AE, High risk · 1% annual chance · BFE established. Parcels can differ; Rick verifies the exact zone for any address.

What does it cost to own a home in White Caps?

For a $650,000 home in White Caps: ~$8,450/yr property tax, $7,800-$14,300/yr insurance incl. flood, and $300-900/mo HOA. See the cost cheatsheet at /swfl-relocation-cost-cheatsheet.

What amenities does White Caps offer?

White Caps features Beach, Established. Compare similar communities at /communities.

Sanibel & Captiva, FL · Beachfront Condos

White Caps

Smaller beach-side complex

Beachfront CondoscondoMid · $450K – $900KFEMA Zone AE

On the Map

Where White Caps sits

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Homes for sale in White Caps

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At a Glance

White Caps 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

condo

Region

Sanibel & Captiva

Amenities & Lifestyle

What you get living in White Caps

BeachEstablished

Drive Times

Location & access

🏖️ Nearest Beach21 min
✈️ RSW Airport41 min
🏙️ Downtown Fort Myers34 min
🏥 Nearest Hospital21 min
🛣️ I-75 Access35 min

Cost of Ownership

Estimated yearly costs for a mid-tier home

Florida estimates based on a $650,000 home in White Caps. 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

$300, $900/mo

Condo association range

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

⚠️ Flood Zone Accuracy Note

White Caps is mapped primarily in Zone AE

All sample points within White Caps 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 White Caps

Fort Myers Beach Elementary School

6.1 mi

Elementarypublic· DOE Grade A· Score 90/100

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

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Good Questions

White Caps, frequently asked questions

What are home prices like in White Caps?: White Caps 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 White Caps in?: White Caps 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 White Caps?: Closest schools include Fort Myers Beach Elementary School (6.1 mi). Browse all on the schools directory.
What does it cost to own a home in White Caps?: For a $650,000 home, estimate roughly $8,450/yr property tax, $7,800-$14,300/yr insurance (incl. flood), and $300-$900/mo HOA. Full breakdown in the SWFL cost cheatsheet.
What amenities does White Caps offer?: White Caps features Beach, Established. Compare similar communities on the interactive map.