2 Bed Waterfront Home for Sale in Terrace, FL, $189,900
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For SaleMLS# 2026032431

$189,900

2 Bed Waterfront Home for Sale in Terrace, FL, $189,900

12601 Kelly Sands Way 422, Fort Myers, FL, 33908

2 beds2 baths1,069 sqft
GatedGolfPickleballTennisFitness CenterClubhouseCommunity PoolOn-site DiningWaterfront

About this home

Kelly Greens is a private, resident-owned bundled golf community designed by Gordon Lewis. Beautifully renovated clubhouse with bar and several dining options (both casual & fine), tennis, pickleball, community pool, fitness center and pro shop. Active community with events, clubs & activities. This gated community is located minutes from the beaches of Sanibel and a short drive to Fort Myers Beach. This turnkey condominium offers a large screened balcony overlooking the golf course. Top floor unit, covered carport and extra storage are also part of this package. Ready to winter or live year round in this active community, call for your private showing today!

Property details

Type
Condominium
Year built
1989
Interior
1,069 sqft
Lot size
14,335.596 sqft
Acreage
0.33 acres
Garage
None
Days on market
0
Total association fees
$14,508/yr (~$1,209/mo)
CDD
None
Est. taxes (1.4%)
$2,659/yr
Flood zone (area est.)
Yes · High risk (AE)
Storm protection
None listed
Exposure
East
Waterfront
Yes
Gulf access
No
Gulf access type
N/A
Pool
No
Spa
No
Natural gas
No
Water
Public
Sewer
Public Sewer
New construction
No
Pets
Call, Conditional
County
Lee

Total association fees sums the core association dues the MLS feed provides (HOA, condo/master association, and land lease), normalized to a yearly figure. These are separate from and additional to specialty charges — mandatory club or food-and-beverage minimums, special assessments, and rec-lease fees — which the IDX feed does not carry. Always confirm the full fee schedule with the HOA or listing agent.

Maintenance included in the fee

AssociationManagementCableTvGolfInternetMaintenanceGroundsPestControlRecreationFacilitiesTrashWater

What the association dues cover, per the MLS. Confirm the full schedule with the HOA.

Amenities

ClubhouseFitnessCenterGolfCourseBarbecuePicnicAreaPickleballPoolRestaurantShuffleboardCourtStorageTennisCourtsTrailsManagement

Flood risk shown is an area-level estimate and can differ from a specific unit's actual FEMA designation (which varies by structure and elevation). Look up this address on the FEMA Flood Map and verify with a licensed insurance agent before relying on it.

At marketThis home is priced in line with comparable recent sales.
This home
$178/sqft
Comp median
$168/sqft
Difference
+6%

Based on the $/sqft of 9 comparable homes sold nearby in the last 12 months. Indicative, not an appraisal.

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Your notes on this home

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Recently sold nearby

Closed comparable sales within ~1 mile in the last 12 months — similar price, size, beds/baths, and age.

AddressSoldSold priceBeds/BathsSq ft$/sqft
12621 Kelly Sands Way 326Oct 2025$200,0002/21,069$187
12581 Kelly Sands Way 504Nov 2025$171,0002/21,069$160
12641 Kelly Sands Way 203Mar 2026$190,0002/21,150$165
12641 Kelly Sands Way 204Dec 2025$215,0002/21,069$201
12171 Kelly Sands Way 1576May 2026$199,0002/21,160$172
12171 Kelly Sands Way 1577Dec 2025$212,5002/21,160$183
Average6 comps$197,917$178

Market trends — Fort Myers

Median list
$322,380
Median $/sqft
$211
Median sold (90d)
$335,000
Avg days on market
96
Active listings
2,529
Median sold price · Fort Myers
$334,900last 3 months3% vs $325,000 prior 3 months
Median closed price by month · Fort Myers
6.1% MoM9.1% YoY
$300k$340k$380kJul ’25Aug ’26
$300,000Aug ’26 · 13 sales

Median of closed MLS sales each month over the available window. Months with too few sales are omitted; the range extends automatically as more sales close.

Live area medians from the MLS · see all listings. Indicative, not an appraisal.

The good, the trade-offs & the location

Pros
  • Waterfront
Consider
  • Built 1989 — pre-2002 construction may carry older wind codes and higher insurance
  • In a higher-risk flood zone (AE) — flood insurance likely required
  • No garage listed
  • Higher association fees (~$14,508/yr)
Location convenienceHigh
Hospital
4.7 mi
HealthPark Medical Center
Beach
3.1 mi
Fort Myers Beach
Airport
8.5 mi
Page Field (Fort Myers)
Shopping
6.8 mi
Bell Tower Shops

Straight-line distances to major SWFL amenities — approximate; actual drive times vary.

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Listing information is provided in part by the Florida Gulf Coast Multiple Listing Service (MLS) through its Broker Reciprocity / Internet Data Exchange (IDX) program. Properties displayed may be listed by brokerages other than SWFL Relocation Team. Data is deemed reliable but is not guaranteed accurate by the MLS or this brokerage and should be independently verified. Fees, flood zones, taxes, square footage, and school assignments are estimates from the feed and must be confirmed. © 2026 SWFL Relocation Team. All rights reserved.