3 Bed 2 Bath SingleFamilyResidence for Sale in ISLANDS AT THREE OAKS, FL
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SoldMLS# 225080744

$405,000

3 Bed 2 Bath SingleFamilyResidence for Sale in ISLANDS AT THREE OAKS, FL

18040 Horseshoe Bay Circle, Fort Myers, FL, 33967

3 beds2 baths2,008 sqft2 garage
GatedTennisClubhousePlaygroundCommunity Pool

About this home

Located in Preferred zone X NO FLOOD ZONE! Offered by the original owners who worked with the builder to customize and expand several rooms in this meticulously maintained home. The formal dining room, 2nd bedroom, garage, foyer, and lanai are all larger than the original floor plan, making this home stand out. A prime location! Located in the highly desirable Islands at Three Oaks community across from Three Oaks Park. The gracious floor plan offers 2,008 square feet of living space that includes the enclosed lanai (26x10") There is 2,578 total square footage. The oversized garage (19' 8" x 25' 3") is perfect for a car collector, workshop, golf cart storage, man cave, or even converting part of it into an added storage room connected to the laundry area. The thoughtful floor plan includes three bedrooms, with the second bedroom measuring 11'11" x 14'10", making it ideal as a second owner's suite, and a third bedroom and a second bathroom nearby. The oversized enclosed lanai features full-length sliding windows with screens, allowing for year-round use as a bright, airy sunroom. Sliders from the dining room, great room, and primary suite, all open directly to this flexible indoor–outdoor living space. The kitchen offers an inviting eat-in layout with recessed LED lighting. This home features City water and sewer with very low HOA fees. Updated for peace of mind and comfort, the home includes a 3-year-old roof, 5-year-old Rheem A/C, 3M impact-resistant film on windows and sliders, and a low-maintenance landscaped yard with curbing and hard-wired backyard lighting. Inside, you’ll find waterproof laminate flooring, tile in the foyer, kitchen, bathrooms, and laundry room, Hunter Douglas window treatments, ceiling fans throughout, comfort-height toilets, and a retractable front screen door. Located in The Islands at Three Oaks, residents enjoy fantastic amenities, including a clubhouse, community pool, community park, play area, and tennis, making it perfect for active Florida living. Conveniently situated minutes from I-75, and close to shopping, dining, world-renowned beaches, and more. Move-in ready and a must-see.

Property details

Type
SingleFamilyResidence
Year built
1994
Interior
2,008 sqft
Lot size
8,476.776 sqft
Acreage
0.19 acres
Garage
2 car
Days on market
121
Total association fees
$1,276/yr (~$106/mo)
CDD
None
Est. taxes (1.4%)
$5,670/yr
Flood zone (area est.)
No · Low risk (X)
Storm protection
None listed
Exposure
West
Waterfront
No
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

AssociationManagementMaintenanceStructureRecreationFacilitiesReserveFund

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

Amenities

ClubhousePlaygroundParkPoolTennisCourtsManagement

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.

Below marketThis home is priced below comparable recent sales — a potential value.
This home
$202/sqft
Comp median
$223/sqft
Difference
-9%

Based on the $/sqft of 3 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.

AddressSoldSold priceBeds/BathsSq ft$/sqft
9370 MIDDLE OAK DriveSep 2025$435,0004/21,943$224
9261 Pittsburgh BoulevardJul 2026$440,0003/22,095$210
18281 Fuchsia RoadNov 2025$415,0003/21,858$223
Average3 comps$430,000$219

Market trends — Fort Myers

Median list
$324,900
Median $/sqft
$213
Median sold (90d)
$334,000
Avg days on market
97
Active listings
2,591
Median sold price · Fort Myers
$335,000last 3 months3.1% vs $325,000 prior 3 months
Median closed price by month · Fort Myers
2% MoM3.2% YoY
$319k$349k$380kJul ’25Jul ’26
$318,500Jul ’26 · 227 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.

Price & status history

Down $50,000 (11.2%) from the original list price.

May 27, 2026Sold$395,000
Mar 22, 2026Price reducedfrom $415,000$405,000
Dec 1, 2025Listed$445,000

The good, the trade-offs & the location

Pros
  • Lower flood risk (zone X)
  • 2-car garage
Consider
  • Built 1994 — pre-2002 construction may carry older wind codes and higher insurance
Location convenienceHigh
Hospital
6.3 mi
Gulf Coast Medical Center
Beach
7.7 mi
Lovers Key State Park
Airport
4.9 mi
RSW Intl (Fort Myers)
Shopping
1 mi
Gulf Coast Town Center

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.