$415,000
3 Bed Waterfront Home for Sale in Pine Island Cove
4892 Gulfgate Lane, St James City, FL, 33956
About this home
Experience the best of waterfront living in this beautifully furnished 3-bedroom, 2-bath coastal retreat in the highly desirable Pine Island Cove community. Offering direct GULF ACCESS and an impressive 92 feet on saltwater canal frontage, this home is designed for those who value comfort, style and effortless outdoor living. Inside, you'll find a bright, coastal-inspired interior with 1,508 sq.ft. of thoughtfully designed space. The home comes tastefully furnished, creating a turnkey experience from the moment you arrive. Enjoy seamless indoor-outdoor living with a screened front lanai, sunroom, and open back lanai overlooking the water. A boat lift and maintenance-fee landscaping make boating and relaxation truly effortless. As one of the largest homes in the community, it offers exceptional space and a premier canal location. of the rare advantages of Pine Island Cove is that you own your property-no land lease-while still enjoying resort-style amenities for an incredible low fee of just $160 per month. The community features a heated saltwater pool, spa, private Gulf access boat ramp, fish cleaning and washout station, a covered picnic pavilion, dog park, pickleball, bocce and a vibrant calendar of clubs and activities. From your dock you're only minutes to the bay and the Gulf, home to some of the best fishing in Florida.
Property details
- Type
- ManufacturedHome
- Year built
- 2005
- Interior
- 1,508 sqft
- Lot size
- 6,229.08 sqft
- Acreage
- 0.14 acres
- Garage
- None
- Days on market
- 163
- Total association fees
- $1,920/yr (~$160/mo)
- CDD
- None
- Est. taxes (1.4%)
- $5,810/yr
- Flood zone (area est.)
- Yes · High risk (AE)
- Storm protection
- None listed
- Exposure
- North
- Waterfront
- Yes
- Gulf access
- Yes
- Gulf access type
- Direct — no bridges
- Pool
- No
- Spa
- No
- Natural gas
- No
- Water
- Public
- Sewer
- Private 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.
We rate a home against recently SOLD homes within ~1 mile that match on size, beds/baths, and age. This home doesn't have enough close comparables in the last 12 months for a reliable read, ask Rick for a personalized CMA.
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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 |
|---|---|---|---|---|---|
| 4403 Lake Heather Circle | May 2026 | $340,000 | 2/2 | 1,366 | $249 |
| 4754 Woodstock Road | Jan 2026 | $364,000 | 3/2 | 1,420 | $256 |
| Average | 2 comps | $352,000 | $253 |
Market trends, Pine Island Cove
Live community medians from the MLS · see all listings. Indicative, not an appraisal.
Price & status history
Down $10,000 (2.4%) from the original list price.
| Jun 6, 2026 | Price reducedfrom $425,000 | $415,000 |
| Mar 21, 2026 | Listed | $425,000 |
The good, the trade-offs & the location
- Built 2005 — post-2002 Florida wind codes (typically lower insurance)
- Gulf access (Direct — no bridges)
- In a higher-risk flood zone (AE) — flood insurance likely required
- No garage listed
- 55+ age-restricted community
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.