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List Price

$1,395,000

1990 My Tern, Sanibel, FL 33957

9 days on market

Estimated Payment

$10,144/mo

20% down and current market rates

Bedrooms4 bdBathrooms2 baLiving area2,146 Square FeetYear builtBuilt 2001

Listed by

Mary Ann Cowart

Royal Shell Real Estate, Inc.

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

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Extensively Reimagined. Exceptionally Finished. A New-Home Experience on Sanibel. This is not simply an updated home. 1990 My Tern Court has undergone an extensive, top-to-bottom transformation designed to deliver the look, feel, comfort, and efficiency of a newly finished luxury residence within the existing home. At the heart of the transformation are a fully renovated kitchen and beautifully rebuilt bathrooms. The gourmet kitchen features Bertch cabinetry, quartz countertops and backsplash, Bosch induction range, dishwasher and refrigerator, under-cabinet lighting, designer range hood and Kohler fixtures. Both bathrooms showcase marble tile floors and showers, double vanities, Kohler fixtures and curbless showers, while the primary bath adds a freestanding soaking tub. The renovation extends throughout the interior with engineered hardwood floors, Level 5 smooth wall and ceiling finishes, new ceiling fans, bedroom closet organizers, Bertch built-ins with quartz surfaces, and a completely upgraded laundry room featuring an LG washer and dryer, LG Steam Closet, Bertch cabinetry, stainless-steel sink and tile flooring. Just as important is what buyers don't immediately see. Major home systems and exterior components were extensively upgraded in 2023 and 2024, including a metal roof, PEX plumbing, PGT windows and doors, Hardie siding, new electrical breaker panel and breakers, heat exchanger, programmable thermostat, backflow valve, Stiebel Eltron tankless water heater, Rain Bird four-zone irrigation, and an Aquasana four-filter whole-house water treatment system with UV light. The lower-level ceilings were also insulated and finished.

1990 My Tern, Sanibel, FL 33957 in Sanibel, FL 33957 is listed for $1,395,000. The home has 4 bedrooms, 2 bathrooms, and 2,146 square feet, and was built in 2001. Listed 9 days ago. The listing is held by Royal Shell 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$10,381 (tax year 2024)
HOA fee$568 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 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): $279,000

$

$10,144/moest.

  • Principal & Interest 74%
  • Property Taxes 9%
  • Insurance 11%
  • HOA 6%
Principal & Interest
$7,548
Property Taxesfrom listing
$865
Insurance
$1,163
HOA
$568

30-year fixed at 7.164%, as of November 10, 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: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 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 $10,144, 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 $10,381 for tax year 2024. 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 Nov 12, 2026 4:57 AM ET through Nov 13, 2026 4:57 AM ET. MLS# 1193983031. HomeJam is not the listing broker.

List Price

$1,395,000

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