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List Price

$489,900

11941 Bramble Cove, Fort Myers, FL 33905

4 days on market

Estimated Payment

$4,685/mo

$0 down with a USDA loan and current market rates

Bedrooms2 bdBathrooms2 baLiving area1,840 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2005

Listed by

Cecilia Biava

RE/MAX Gulf Coast Living

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

A rare opportunity awaits for those looking to own a stunning home with breathtaking views of the golf course and lake. This meticulously maintained property is filled with upgrades and features, with sellers having invested over $110,000 in improvements, making it virtually move-in ready. The property offers 1840 sq. ft. of living space, including 2 bedrooms, a spacious den, 2 baths, as well as an expansive lanai with an eastern rear exposure. Some of the standout features of this property include a brand NEW ROOF completed in 2025, maple cabinet refacing in the kitchen, an attractive backsplash in the kitchen, removal of original columns in the dining room for a more open feel, oak flooring in the den, LVP flooring in the bedrooms, crown molding, tray ceilings, newer AC, refrigerator, and pool heater, a phantom door at the front entrance, custom cabinetry throughout the home for added storage, enhanced lighting and fan fixtures, and attractive window treatments. Upon entering the home, the open feel is immediately noticeable. The den and guest bedroom are both spacious, with the den offering flexibility as a flex room. The master bedroom features an attractive shiplap wall, access to the lanai, and spacious closets. The master bathroom boasts dual sinks, a vanity, and a separate tub and walk-in shower.

11941 Bramble Cove, Fort Myers, FL 33905 in Fort Myers, FL 33905 is listed for $489,900. The home has 2 bedrooms, 2 bathrooms, and 1,840 square feet, and was built in 2005. Listed 4 days ago. The listing is held by RE/MAX Gulf Coast Living.

33905 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$4,407 (tax year 2025)
HOA fee$398 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$4,685/moest.

0% down -- about $844 more per month than 20% down conventional.

  • Principal & Interest 72%
  • Property Taxes 8%
  • Insurance 9%
  • HOA 8%
  • USDA Fee 3%
Principal & Interest
$3,368
Property Taxesfrom listing
$367
Insurance
$408
HOA
$398
USDA Annual Fee
$144

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$4,899

30-year fixed at 7.229%, as of October 23, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.229% for a 30-year fixed loan (Optimal Blue daily, published October 23, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $4,685, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $4,407 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Based on information from the Florida Gulf Coast Multiple Listing Service, Inc. for the period Oct 26, 2026 5:59 AM ET through Oct 27, 2026 5:59 AM ET. MLS# 1193644109. HomeJam is not the listing broker.

List Price

$489,900

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