$405,000
3 Bed 2 Bath SingleFamilyResidence for Sale in ISLANDS AT THREE OAKS, FL
18040 Horseshoe Bay Circle, Fort Myers, FL, 33967
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
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 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.
| Address | Sold | Sold price | Beds/Baths | Sq ft | $/sqft |
|---|---|---|---|---|---|
| 9370 MIDDLE OAK Drive | Sep 2025 | $435,000 | 4/2 | 1,943 | $224 |
| 9261 Pittsburgh Boulevard | Jul 2026 | $440,000 | 3/2 | 2,095 | $210 |
| 18281 Fuchsia Road | Nov 2025 | $415,000 | 3/2 | 1,858 | $223 |
| Average | 3 comps | $430,000 | $219 |
Market trends — Fort Myers
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, 2026 | Sold | $395,000 |
| Mar 22, 2026 | Price reducedfrom $415,000 | $405,000 |
| Dec 1, 2025 | Listed | $445,000 |
The good, the trade-offs & the location
- Lower flood risk (zone X)
- 2-car garage
- Built 1994 — pre-2002 construction may carry older wind codes and higher insurance
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.