Offering direct Gulf access with no bridges or locks, deep water, and a 10,000 lb covered boat lift for instant access to Charlotte Harbor- this is the BEST home for Florida coastal living! The outdoor oasis is designed for both relaxation and wellness, featuring 85 feet of maintained seawall, a private heated pool and expansive deck under a screen enclosure. For the fitness enthusiast, this versatile pool is fitness-ready for lap swimming; all original lap pool blower equipment is included and conveniently capped, allowing for an effortless conversion back to a professional-grade swim lane. Also, a unique tropical outdoor shower (with hot & cold water!) under the flowering-vine covered pergola.
Inside, modern luxury meets peace of mind. The kitchen features sleek granite countertops and backsplash, 2025 appliances, and stunning water views. The redesigned lanai is the work of one of the top structual engineers in the area using poured concrete and 2X12 beams (construction plans from 2020 and long list of updates in MLS supplemental info available to your agent). This is a hurricane-proof home, with every storm resistant feature on the market. Built for superior protection and energy efficiency, the property boasts a metal roof, impact windows and doors, a CAT 5 island-rated garage door, additional attic insulation and an updated powder-coated front door - this will be the easiest home to maintain for years to come. Utility ready RV parking on the premises, and room for an SUV in the garage. With assumable insurance paid ahead through 2026- a rare financial advantage- and a location just minutes from waterfront dining and 45 minutes to the international airport, this property is the pinnacle of secure, move-in ready, Southwest Florida living. Schedule your private showing today!
Active
Price cut: $15K (2/20)
$530,000
2821 Bruce St, Matlacha, FL 33993
3beds
1,698sqft
Est.:
Single Family Residence
Built in 1969
8,712 Square Feet Lot
$-- Zestimate®
$312/sqft
$-- HOA
What's special
Utility ready rv parkingPrivate heated poolMetal roofStunning water viewsImpact windows and doorsFlowering-vine covered pergolaAdditional attic insulation
- 29 days |
- 4,045 |
- 117 |
Likely to sell faster than
Zillow last checked: 8 hours ago
Listing updated: February 20, 2026 at 05:17am
Listed by:
Sarah Chido 239-940-0848,
Coldwell Banker Realty
Source: Florida Gulf Coast MLS,MLS#: 2026003943
Originating MLS: Florida Gulf Coast
Originating MLS: Florida Gulf CoastTour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Den, Screened Porch, Workshop, Great Room
Heating
- Central, Electric
Cooling
- Ceiling Fan(s)
Appliances
- Included: Dryer, Dishwasher, Electric Cooktop, Freezer, Disposal, Microwave, Refrigerator, Self Cleaning Oven, Washer
- Laundry: Inside, Laundry Tub
Features
- Built-in Features, Family/Dining Room, Kitchen Island, Living/Dining Room, Main Level Primary, Shower Only, Separate Shower, Cable TV, Window Treatments, Air Filtration, High Speed Internet, Split Bedrooms, Workshop, Den, Screened Porch, Workshop, Great Room
- Flooring: Tile
- Windows: Impact Glass, Shutters, Window Coverings
- Furnished: Yes
Interior area
- Total structure area: 1,746
- Total interior livable area: 1,698 sqft
Video & virtual tour
Property
Parking
- Total spaces: 1
- Parking features: Attached, Driveway, Underground, Garage, Paved, RV Access/Parking, Garage Door Opener
- Attached garage spaces: 1
- Has uncovered spaces: Yes
Features
- Stories: 1
- Patio & porch: Deck, Lanai, Open, Patio, Porch, Screened
- Exterior features: Deck, Fence, Security/High Impact Doors, Outdoor Shower, Patio
- Has private pool: Yes
- Pool features: Concrete, Electric Heat, Heated, In Ground, Screen Enclosure, Community
- Has view: Yes
- View description: Canal, Water
- Has water view: Yes
- Water view: Canal,Water
- Waterfront features: Canal Access, Navigable Water, Seawall
Lot
- Size: 8,712 Square Feet
- Dimensions: 85 x 80 x 85 x 80
- Features: Oversized Lot
Details
- Parcel number: 2444221000000.2920
- Lease amount: $0
- Zoning description: TFC-2
- Other equipment: Air Purifier
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch,One Story
- Property subtype: Single Family Residence
Materials
- Block, Concrete, Stucco
- Roof: Metal
Condition
- Resale
- Year built: 1969
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available, High Speed Internet Available
Community & HOA
Community
- Features: Boat Facilities
- Security: Smoke Detector(s)
- Subdivision: ISLAND HARBORS
HOA
- Has HOA: No
- Amenities included: Boat Dock, Boat Ramp, Library, Playground, Pickleball, Park, Pool, Boat Slip, Tennis Court(s)
- Services included: None
- Condo and coop fee: $0
- Membership fee: $0
Location
- Region: Matlacha
Financial & listing details
- Price per square foot: $312/sqft
- Tax assessed value: $194,537
- Annual tax amount: $2,521
- Date on market: 1/24/2026
- Cumulative days on market: 29 days
- Listing terms: All Financing Considered,Cash
- Ownership: Single Family
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/20/2026 | Price change | $530,000-2.8%$312/sqft |
Source:  Florida Gulf Coast MLS #2026003943 Report a problem | ||
| 1/24/2026 | Listed for sale | $545,000$321/sqft |
Source: Florida Gulf Coast MLS #2026003943 Report a problem | ||
| 10/16/2025 | Listing removed | $545,000$321/sqft |
Source: Florida Gulf Coast MLS #2025004158 Report a problem | ||
| 8/4/2025 | Price change | $545,000-3.5%$321/sqft |
Source: Florida Gulf Coast MLS #2025004158 Report a problem | ||
| 7/3/2025 | Price change | $565,000-1.7%$333/sqft |
Source:  SWFLMLS #225010232 Report a problem | ||
| 5/9/2025 | Price change | $575,000-4%$339/sqft |
Source: SWFLMLS #225010232 Report a problem | ||
| 4/11/2025 | Price change | $599,000-4.2%$353/sqft |
Source: SWFLMLS #225010232 Report a problem | ||
| 3/2/2025 | Price change | $625,000-3.8%$368/sqft |
Source: SWFLMLS #225010232 Report a problem | ||
| 1/27/2025 | Listed for sale | $649,900+160%$383/sqft |
Source: SWFLMLS #225010232 Report a problem | ||
| 4/30/2010 | Sold | $250,000-23.1%$147/sqft |
Source: Public Record Report a problem | ||
| 6/20/2009 | Listing removed | $325,000$191/sqft |
Source: Listhub #200849381 Report a problem | ||
| 5/14/2009 | Price change | $325,000-18.5%$191/sqft |
Source: Listhub #200849381 Report a problem | ||
| 1/22/2009 | Price change | $399,000-11.3%$235/sqft |
Source: Listhub #200849381 Report a problem | ||
| 9/28/2008 | Listed for sale | $450,000-19.6%$265/sqft |
Source: Listhub #200849381 Report a problem | ||
| 9/22/2005 | Sold | $560,000+1556.8%$330/sqft |
Source: Public Record Report a problem | ||
| 7/31/1997 | Sold | $33,800$20/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,627 -49% | $194,537 -47.3% |
| 2024 | $5,146 +2.3% | $368,992 +3% |
| 2023 | $5,032 +1.4% | $358,245 +3% |
| 2022 | $4,962 +0.5% | $347,811 +5.4% |
| 2021 | $4,937 +0.6% | $329,889 +1.4% |
| 2020 | $4,906 +4.4% | $325,334 +6% |
| 2019 | $4,698 | $306,848 0% |
| 2018 | $4,698 -7.3% | $306,852 +11.4% |
| 2017 | $5,068 +7.6% | $275,354 +14.6% |
| 2016 | $4,710 +9.7% | $240,253 +4.9% |
| 2015 | $4,296 +6.8% | $229,001 +2.4% |
| 2014 | $4,021 +1.8% | $223,699 +10% |
| 2013 | $3,949 +14.9% | $203,398 +2.4% |
| 2012 | $3,437 +9.5% | $198,699 +15.6% |
| 2011 | $3,140 -17.9% | $171,920 -17% |
| 2010 | $3,824 +0.1% | $207,229 -4% |
| 2009 | $3,820 -23.7% | $215,780 -28% |
| 2008 | $5,010 -27.3% | $299,640 -29% |
| 2007 | $6,887 -3% | $421,980 +0.5% |
| 2006 | $7,101 +256.4% | $419,690 +56.9% |
| 2004 | $1,992 -1.1% | $267,550 +35.4% |
| 2003 | $2,015 +1.8% | $197,560 +49.9% |
| 2002 | $1,980 | $131,770 +23.8% |
| 2000 | -- | $106,480 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,123/mo
Principal & interest
$2505
Property taxes
$618
Climate risks
Neighborhood: Island Harbors
Nearby schools
GreatSchools rating
- 8/10Pine Island Elementary SchoolGrades: PK-5Distance: 2.7 mi
- 6/10Trafalgar Middle SchoolGrades: 6-8Distance: 3.7 mi
- 3/10Mariner High SchoolGrades: 9-12Distance: 4.8 mi
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