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List Price

$479,900

6408 Emerald Pines, Fort Myers, FL 33966

14 days on market

Estimated Payment

$3,256/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area2,508 Square FeetYear builtBuilt 1997

Listed by

Suzanne Shorten

Maxim LLC

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.

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  • Close in one place

Welcome home to this spacious 3-bedroom plus den, 2-bath residence conveniently located in the Heart of Ft Myers! Offering a versatile layout with plenty of room to live, work and entertain, this home is ideal for families, seasonal residents, or anyone looking to enjoy all that SW Florida has to offer. The primary suite offers two large walk in closets plus a BONUS ROOM that can be used as an office, baby room or work out room; the possibilities are endless! The sitting room is charming with a stone, wood burning fireplace and wood mantel to hang all your Christmas stockings! The sitting room is open to the game room for easy flow and plenty of room for gatherings! The spacious kitchen offers newer stainless steal appliances, breakfast bar, eat in kitchen and a formal dining room. The open living room design is great for entertaining while looking out over your beautiful landscaped yard big enough for a swing set and pool! The den provides flexible space for a home office, guest room, playroom or additional childs bedroom. Enjoy the convenience of having Publix, Whole Foods and Gulf Coast Medical within a mile. Ft Myers Beach is 13 miles away , downtown Ft Myers 6 miles , Gulf coast town center 6.2 miles, HWY 75 is 3.2 miles, Sanibel Island 15 miles, Hertz Arena 9.2, Bell Tower is 1.4 miles away making this location exceptional!

6408 Emerald Pines, Fort Myers, FL 33966 in Fort Myers, FL 33966 is listed for $479,900. The home has 3 bedrooms, 2 bathrooms, and 2,508 square feet, and was built in 1997. Listed 14 days ago. The listing is held by Maxim LLC.

33966 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$2,323 (tax year 2025)
HOA fee$100 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 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

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

20%

Down payment (20% of price): $95,980

$

$3,256/moest.

  • Principal & Interest 79%
  • Property Taxes 6%
  • Insurance 12%
  • HOA 3%
Principal & Interest
$2,562
Property Taxesfrom listing
$194
Insurance
$400
HOA
$100

30-year fixed at 7.03%, as of September 24, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% 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.

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Frequently Asked Questions

The estimated monthly payment is $3,256, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,323 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.

Listing information provided by Florida Gulf Coast MLS. MLS# 1182381337. HomeJam is not the listing broker.

List Price

$479,900

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