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List Price

$1,299,000

1785 Middle Gulf Unit A103, Sanibel, FL 33957

16 days on market

Estimated Payment

$8,254/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,348 Square FeetYear builtBuilt 1979

Listed by

Phaidra McDermott

Kingfisher Real Estate, Inc.

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

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Experience refined coastal living in this completely remodeled Gulf-front condominium on beautiful Sanibel Island. Renovated from top to bottom, this exceptional 3-bedroom, 2-bath residence is the perfect luxurious beach home. COREtec luxury vinyl plank flooring flows throughout, complemented by a beautifully appointed kitchen featuring stainless steel appliances and quartz countertops. The unit is offered fully furnished with tastefully selected items, excluding personal belongings and artwork. A versatile third bedroom with a Murphy bed offers the flexibility to serve as a private guest room, home office, or additional lounge space. Impact-resistant windows and sliding glass doors provide added peace of mind, while the living room and bedroom sliders pocket to give you uninterrupted views of the beach and Gulf beyond. Not only is there an in-unit washer and dryer, but a dedicated laundry room.  Additional conveniences include elevator access, a private ground-floor storage unit, a heated swimming pool, tennis and pickleball courts, a grilling area, and a private boardwalk to the beach. With its comprehensive renovation, flexible living spaces, and exceptional beachfront setting, this condominium offers an inviting opportunity to enjoy the very best of Sanibel Island living. This unit is not in a rental program. Projections are forthcoming.

1785 Middle Gulf Unit A103, Sanibel, FL 33957 in Sanibel, FL 33957 is listed for $1,299,000. The home has 3 bedrooms, 2 bathrooms, and 1,348 square feet, and was built in 1979. Listed 16 days ago. The listing is held by Kingfisher Real Estate, Inc..

33957 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$1,379 (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 the latest published rate.

Illustrative estimate

Loan Program

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

20%

Down payment (20% of price): $259,800

$

$8,254/moest.

  • Principal & Interest 85%
  • Property Taxes 1%
  • Insurance 13%
Principal & Interest
$7,056
Property Taxesfrom listing
$115
Insurance
$1,083

30-year fixed at 7.203%, as of October 26, 2026

Above the $832,750 conforming limit, most lenders ask for 10 to 20 percent down and terms vary. Conforming rate shown; jumbo rates vary.

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

Assumptions

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

Mortgage rate: 7.203% for a 30-year fixed loan (Optimal Blue daily, published October 26, 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 $8,254, 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 $1,379 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 27, 2026 5:57 AM ET through Oct 28, 2026 5:57 AM ET. MLS# 1192077992. HomeJam is not the listing broker.

List Price

$1,299,000

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