Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

HomeJam
Search Homes
1 / 43

List Price

$565,000

4557 Gulf, North Fort Myers, FL 33903

12 days on market

Estimated Payment

$3,973/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area2,021 Square FeetYear builtBuilt 1977

Listed by

Frank Ward

John R. Wood Properties

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

Experience unmatched coastal living in this beautifully renovated direct-access waterfront home, complete with premium modern updates and inviting, fully curated living spaces. A Curated Turnkey Package built with the enduring solid construction of a Michigan home and upgraded for contemporary luxury, this residence delivers an exceptional split-bedroom layout spanning over 2,000 square feet of thoughtfully styled interiors. Step inside to bright, designer-inspired living and dining spaces appointed with comfortable, elegant furnishings perfect for both relaxed everyday living and lively entertaining. At the heart of the home, the expansive chef’s island kitchen boasts abundant custom cabinetry, sleek surfaces, and seamless connection to the main great room. The private primary retreat is positioned at the rear of the home, offering peaceful water views directly overlooking the canal. This tranquil suite features a generous walk-in closet and a beautifully updated en-suite bath. Across the home, a dedicated guest wing hosts two generously sized bedrooms and a full bath, providing ideal privacy and comfort for visiting friends and family. Upgrades extend throughout the property, featuring a durable new roof installed in 2023 and an oversized, attached two-car garage upgraded with tile flooring and light blue coating, complete with a dedicated laundry area. Out back, your private waterfront oasis awaits with an intimate covered outdoor living space set just steps from your deep-water dock. Complete with a concrete seawall, cantilever dock, and a covered boat lift with a wraparound walkway, boater friendly safe harbor boasts zero bridges and direct access to Little Lake Michigan with Gulf Access via the Caloosahatchee River. Located just minutes from Downtown Fort Myers via trolley, water taxi, or rideshare, this move-in-ready home offers the quintessential Southwest Florida lifestyle from day one.

4557 Gulf, North Fort Myers, FL 33903 in North Fort Myers, FL 33903 is listed for $565,000. The home has 3 bedrooms, 2 bathrooms, and 2,021 square feet, and was built in 1977. Listed 12 days ago. The listing is held by John R. Wood Properties.

33903 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$5,837 (tax year 2025)

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): $113,000

$

$3,973/moest.

  • Principal & Interest 76%
  • Property Taxes 12%
  • Insurance 12%
Principal & Interest
$3,016
Property Taxesfrom listing
$486
Insurance
$471

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.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

144 7th, Cape Coral, FL 33993

$645,000

144 7th, Cape Coral, FL 33993

4 bd · 3 ba · 1,894 sq ft

4129 14th, Cape Coral, FL 33914

$569,500

4129 14th, Cape Coral, FL 33914

4 bd · 3 ba · 2,010 sq ft

19 13th, Cape Coral, FL 33993

$534,900

19 13th, Cape Coral, FL 33993

4 bd · 2 ba · 2,239 sq ft

928 52nd, Cape Coral, FL 33914

$549,000

928 52nd, Cape Coral, FL 33914

3 bd · 2 ba · 1,677 sq ft

Frequently Asked Questions

The estimated monthly payment is $3,973, 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 $5,837 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# 1190863013. HomeJam is not the listing broker.

List Price

$565,000

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.