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$1,249,000

3544 RUBY AVE
ST JAMES CITY, FL 33956
Listed by Lisa Marcet · CHARLES RUTENBERG REALTY FTL
Bedrooms
4
Bathrooms
3
Living area
2,950 sqft
Year built
1993

About this home

Welcome to your own private slice of paradise on Pine Island! This exceptional waterfront retreat offers a true Florida Keys feel, with tropical surroundings, INTERSECTING CANALS, AND 189 feet of waterfront creating the perfect setting for the ultimate coastal lifestyle. Situated on a peaceful cul-de-sac corner lot, this spacious 4-befroom, 3-bath home combines comfort, privacy, and effortless indoor-outdoor living.  Step outside to your private resort-style oasis featuring a heated salt system pool, spa, firepit, hammock, and your own sandy beach area. Boaters will love the covered dock, boat lift and fillet station, with quick access to open water for boating, fishing, kayaking, and unforgettable sunset cruises. Inside, the bright and inviting floor plan is designed for both relaxing and entertaining. The gourmet kitchen features custom cabinetry, Corian countertops, stainless steel appliances, a wine refrigerator, and generous space for gathering. The main suite offers peaceful water views, while the versitile lower-level guest/in-law suite provides additonal privacy and includes its own kitchen and laundry.  Surrounded by lush tropical landscaping and water views, this is more than a home--it's a lifestyle.  Whether you're enjoying coffee by the water, relaxing poolside, entertaining friends, or heading out for a day on the Gulf, every day feels like a vacation. Experience the laid-back charm of St. James City with the unmistakealbe feel of the Florida Keys right at home.  This "Coastal Escape" currently on the vacation rental market, offers an attractive opportunity for those looking for a personal island retreat with income potential. This home is in high demand throughout the year, making it an excellent choice for a vacation-home buyer, investment property, or those seeking flexibility to enjoy the home while generating rental income.

Highlights

WaterfrontPrivate pool

Property details

MLS #
MFRL4965050
Property type
Single Family Residence
Subdivision
BAYVIEW ACRES
Status
Active
Days on market
3
On market date
September 14, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
2
Parking spaces
N/A
Lot size
0.28 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
THE SANIBEL SCHOOL
3.94 mi away · Grades -1-8
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
252
Student:teacher ratio
14.8:1
District
LEE
MiddleCharter
OASIS CHARTER MIDDLE SCHOOL
7.37 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
830
Student:teacher ratio
18.9:1
District
LEE
HighCharter
OASIS CHARTER HIGH SCHOOL
7.35 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
743
Student:teacher ratio
21.2:1
District
LEE

Walkability

Blended score for ST JAMES CITY's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). EPA National Walkability Index only -- nearby-amenity data not cached yet for this area.

36
Car-dependent
out of 100
EPA National Walkability Index
7.2 / 20 -- Below average walkable

Mortgage calculator

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Est. monthly payment
$7,672/mo
$249,800 down
$999,200 loan
Principal & interest$6,481
Property tax (est.)$1,041
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 22 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.