$105,000
2 Bed Waterfront Home for Sale in Tropic Terrace
1003 Tropic Terrace, North Fort Myers, FL, 33903
About this home
Gulf Access Condo — NOT in a Flood Zone & No Age Restrictions! Affordable waterfront living is getting harder to find—especially with Gulf access, no flood zone, and no age restrictions—and this one checks all three. Located in Tropic Terrace, this first-floor 2-bedroom, 1.5-bath condo offers easy, low-maintenance living in a peaceful waterfront community. Enjoy a screened lanai with landscaped views, perfect for morning coffee or relaxing after a day on the water. Inside, the layout is bright and functional with tile and carpet flooring, ceiling fans, and comfortable living space. For boaters, the community offers a boat ramp and dock leases available on a first-come basis, providing direct access to Southwest Florida waterways. Residents enjoy a community pool, clubhouse, shuffleboard, and common laundry, all just minutes from downtown Fort Myers, shopping, dining, and I-75. The community allows one cat, making this a great option for pet lovers—another rare find in waterfront condos. Whether you're looking for a full-time home, winter retreat, or investment, this is a smart opportunity to get into a Gulf-access community without flood zone concerns.
Property details
- Type
- Condominium
- Year built
- 1964
- Interior
- 930 sqft
- Lot size
- 11,099.088 sqft
- Acreage
- 0.25 acres
- Garage
- None
- Days on market
- 242
- Total association fees
- $6,946/yr (~$579/mo)
- CDD
- None
- Est. taxes (1.4%)
- $1,470/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
What the association dues cover, per the MLS. Confirm the full schedule with the HOA.
Amenities
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.
Based on the $/sqft of 7 comparable homes sold nearby in the last 12 months. Indicative, not an appraisal.
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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.
| Address | Sold | Sold price | Beds/Baths | Sq ft | $/sqft |
|---|---|---|---|---|---|
| 899 Ridgeway Drive | Jun 2026 | $130,000 | 2/1 | 907 | $143 |
| 1421 Tropic Terrace | Jul 2026 | $81,500 | 2/2 | 953 | $86 |
| 4781 Orange Grove Boulevard 3 | Aug 2026 | $85,000 | 2/1 | 741 | $115 |
| 1715 Golf Club Drive 2 | Aug 2026 | $91,000 | 2/2 | 1,129 | $81 |
| 1707 Golf Club Drive 3 | Oct 2025 | $108,000 | 2/2 | 1,129 | $96 |
| 1196 Pine Lake Drive | Jan 2026 | $130,000 | 2/1 | 1,007 | $129 |
| Average | 6 comps | $104,250 | $108 |
Market trends, Tropic Terrace
Live community medians from the MLS · see all listings. Indicative, not an appraisal.
Price & status history
Down $18,450 (14.9%) from the original list price.
| Jun 10, 2026 | Price reducedfrom $109,000 | $105,000 |
| Oct 23, 2025 | Listed | $123,450 |
The good, the trade-offs & the location
- Waterfront
- Built 1964 — 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
Straight-line distances to major SWFL amenities, approximate; actual drive times vary.
Nearby schools
Get more information on their programs, scores, and extracurriculars on each school's page · browse the full schools directory.
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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.