Start Your Concordia Buyer Consultation
Contact Details

Jesse McGreevy

[email protected]

(239) 898-6072

24031 S Tamiami Trl #101

Bonita Springs, FL 34134

Marc Comisar

(239) 287-5873

Mon to Fri, 9 am to 6 pm

Weekends by appointment

McGreevy and Comisar, Brokered by Domain Realty

Home › Cape Coral › Concordia › Buy a Home in Concordia

By Jesse McGreevy and Marc Comisar, McGreevy and Comisar of Domain Realty.

Updated October 2026

Buying a condominium in Concordia is buying one of six floor plans in one of 34 identical two-story buildings around a five-acre lake, so the smart buyer compares the unit with the recorded sales of its own plan, reads the association's documents inside the statutory window and budgets the monthly fee, insurance and taxes before writing an offer. Lee County recorded 22 qualified Concordia sales in the 12 months to September 25, 2026 at a $210,000 median. McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, represent buyers on Concordia Lake Circle in Cape Coral, Florida 33909; for the full community picture, read our Concordia community guide, and for the city, our Cape Coral area guide.

Choosing who should represent you? Our guide to the best real estate agents in Cape Coral sets out the questions to ask. Call Marc at (239) 287-5873 for a Concordia buyer consultation, or see how we represent buyers in Southwest Florida. Selling a home to buy here? See our Concordia seller guide and our Concordia home valuation.


How Do I Buy a Home in Concordia in 2026?

To buy a home in Concordia in 2026, choose a floor plan, compare the unit with that plan's recorded sales (medians from $150,000 to $229,000 in the last 12 months), get a lender who handles condominium project reviews, offer with room for the 94.1 percent median sale-to-list ratio, read the resale documents within the statutory window, and insure the unit before closing.

Data updated: October 2026 (Lee County Property Appraiser roll and Florida Department of Revenue qualified sales, newest recorded sale September 25, 2026; Southwest Florida MLS (Matrix) export pulled October 10, 2026; FEMA National Flood Hazard Layer queried October 28, 2026).

We represent Concordia buyers from the public record outward. The county roll tells us every unit's plan, bedrooms, baths and year built; the recorded sales tell us what each plan actually sells for; the MLS tells us how long units sit and how much buyers negotiate; the association's documents tell us what you are agreeing to live under.

What Concordia offers a buyer

Concordia offers a fenced condominium community with a heated pool, fitness center and recreation center, a five-acre lake with a lighted fountain, a private attached garage with every unit and two private walking paths to a Publix-anchored shopping center, all according to the association's public site, at a recorded median of $210,000.

What Concordia does not offer

Concordia has no golf course, no boat dockage, no tennis or pickleball courts and no beach on site, and none of its units sits on a Cape Coral canal. Buyers who want boating should look at the Gulf-access communities in our Cape Coral area guide.

What this buyer guide covers

We cover the current Concordia market for buyers, how we find and evaluate units, how we negotiate, what it costs to buy and own, financing a condominium, the NAR settlement rules on buyer's agent compensation, the documents and rights Florida law gives a condominium buyer, insurance and flood, inspections, seasonal and investor purchases, how Concordia compares with nearby condominiums, and more than thirty buyer questions answered directly.


Table of Contents


Key Takeaways: What Should a Concordia Buyer Know?

A Concordia buyer should know that the floor plan sets the price, that buyers negotiated to a median 94.1 percent of list in the last year, that the monthly association fee is reported at a $500 median, that FEMA maps Zone X at the addresses we tested, and that Florida law gives a condominium buyer a short window to cancel after receiving the documents.

  • Median $210,000 on 22 recorded sales. 12 months to September 25, 2026; range $112,500 to $267,000.
  • Plan medians $150,000 to $229,000. One-bedroom 1,147 sq ft $150,000; three-bedroom 1,468 sq ft $229,000.
  • Room to negotiate. Median sale-to-list 94.1 percent and median 21 days on market in the October 10, 2026 MLS export.
  • Nine units for sale. On October 10, 2026, asking $199,000 to $278,777, median $234,900.
  • Fee median $500 a month. On 19 MLS closings that reported one; the association's budget is the controlling figure.
  • Zone X. No mandatory flood insurance for a federally backed loan at the five addresses we tested.
  • Two-story buildings. Outside Florida's three-story milestone inspection and SIRS mandates.
  • Cancellation right. Section 718.503 gives a resale buyer a statutory window to cancel after receiving the condominium documents.

Why Work With McGreevy and Comisar as Your Concordia Buyer's Agent?

You work with McGreevy and Comisar as your Concordia buyer's agent because Marc Comisar reads the recorded sales of the plan you want, the MLS negotiation history and the association's documents before you offer, and because we lead Domain Realty Group, the #1 real estate team in Southwest Florida since 2012, with over $2.5 billion in team sales and over $900 million personally between Jesse and Marc.

  • Top 1% Real Estate Agents Nationally Since 2008
  • 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
  • #1 Team in Southwest Florida since 2012
  • McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
  • McGreevy and Comisar alone have over $900 million in Sales
  • Nationally Recognized Top Producing Realtors
  • Platinum Sales Production Award Winners

If you're searching for "the best buyer's agent in Cape Coral, Florida," McGreevy and Comisar represents homebuyers across Cape Coral, Estero, Bonita Springs, Naples, Fort Myers, Lee County, Collier County, and Babcock Ranch. Whether you're relocating, snowbirding, investing, buying your first home, or upgrading, including in Concordia, Sandoval, Cape Harbour, Coral Lakes and the Cape Coral condominium market, our team provides honest market guidance, pre-MLS access, partner-level negotiation, and a clear plan to help you buy confidently.

Marc Comisar leads our buyer representation and Jesse McGreevy leads listing strategy, so when you buy with us you also hear how a listing agent will think about your offer. We are ranked the #5 real estate team in Florida (RealTrends 2026).

Get your Concordia buyer consultation

Start with a 20-minute call: Marc reviews your budget, the plans that fit it and the units listed this week. Book your Concordia buyer consultation or call Marc at (239) 287-5873. Selling a home first? Get a free home valuation or call Jesse direct at (239) 898-6072.


What Record Stands Behind This Buyer Guide?

The record behind this guide is our team's: over $900 million in personal sales between Jesse and Marc, over $2.5 billion sold by our Domain Realty Group team, #1 in Southwest Florida since 2012 and Top 1% nationally since 2008, and a Concordia market we tracked from the public record, 22 recorded sales in the last 12 months and 20 MLS-marketed closings in the October 10, 2026 export.

In the last 12 months we tracked every Concordia closing recorded by Lee County. Those sales, and the days on market and sale-to-list ratios on the MLS closings, are the evidence we put in front of a seller when we negotiate for you.


What Is the Concordia Market Like for Buyers Right Now?

The Concordia market for buyers is balanced and negotiable: nine active listings on October 10, 2026 against 22 recorded sales a year is about 4.9 months of supply, the recorded median is flat year over year at $210,000, and the MLS shows buyers closing at a median 94.1 percent of list after a median 21 days on market.

Data updated: October 2026 (Lee County recorded sales through September 25, 2026; Southwest Florida MLS (Matrix) export pulled October 10, 2026).

What is for sale right now?

On October 10, 2026, the Southwest Florida MLS showed nine active Concordia listings and one under contract.

Bedrooms Active listings Asking range
One bedroom plus den 1 $199,000
Two bedrooms 5 $210,000 to $250,000
Three bedrooms 3 $259,900 to $278,777
All 9 $199,000 to $278,777, median $234,900

The live list changes weekly; our team's listings site, Domain Realty Group's Cape Coral homes, shows what is for sale now, and we send matching Concordia listings the day they appear.

What are buyers paying?

Buyers paid a $210,000 median on the 22 qualified sales Lee County recorded in the 12 months to September 25, 2026: $150,000 for one-bedroom units, $202,500 for two-bedroom units and $227,000 for three-bedroom units at the medians.

How much room is there to negotiate?

In the October 10, 2026 MLS export the median Concordia closing sold at 94.1 percent of its final list price, from 86.7 percent to 106.5 percent. Units that sat longer negotiated more: the four that took more than 100 days closed between 89.2 and 106.5 percent of their final list price.

Is it a good time to buy in Concordia?

For a buyer, a Concordia median 26.3 percent below the 2022 calendar-year median of $285,000, flat over the last two years, with about 4.9 months of supply, is a market where you can compare units and negotiate. Mortgage rates, which Freddie Mac publishes weekly, decide your payment as much as the price does. Selling a home before you buy? Call Jesse direct at (239) 898-6072 for a free home valuation.


How Do We Find You the Right Concordia Condo?

We find the right Concordia condominium by starting with the floor plan that fits your life and budget, watching every new listing of that plan, checking each against its plan's recorded sales, and telling you which units are priced to sell and which are priced to sit, before you spend a Saturday touring them.

Which floor plan fits you?

Plan (county heated sq ft) Bedrooms and baths Units 12-month recorded median or sales
1,147 1 bed (often listed with den), 1 bath 68 $150,000 (4 sales)
1,190 2 beds, 2 baths 68 $190,000 (5 sales)
1,223 2 beds, 2 baths 34 two sales, $215,000 and $230,000
1,356 2 beds, 2 baths 34 $210,000 (5 sales)
1,468 3 beds, 2 baths 68 $229,000 (5 sales)
1,618 3 beds, 2 baths 68 one sale, $220,000

Lower level or second level?

The association says each building has three lower-level and seven second-level units. Choose lower level if stairs are a concern; second level if you want lake views and fewer footsteps overhead. Confirm the level of any unit you like on the recorded floor plans and in person.

Can you find units before they hit the market?

Sometimes. Owners, estates and investors sometimes talk to a team like ours before they list, and we tell clients about every Concordia unit we learn of, on or off the MLS, as soon as the owner allows it.

How do listing alerts work?

We set up a saved search for the Concordia plans you want and send each new listing with its plan's recorded sales beside it, so you can judge the price in a minute.


How Do We Negotiate for You in Concordia?

We negotiate a Concordia purchase on the recorded sales of the plan, the listing's days on market, the unit's condition, the estoppel and special-assessment figures and the closing terms, and we put every counteroffer in front of you with the numbers that justify it. Marc Comisar leads the negotiation.

What do you offer on a Concordia unit?

We start from the plan's recorded value, not the list price. If a 1,190 unit is listed at $224,900 while the plan's five recorded sales ran $177,500 to $210,000, the seller has to justify the difference; the MLS shows a 1,190 unit listed at $224,900 that closed at $210,000.

What else can you negotiate?

Who pays the estoppel fee and any special assessment, inspection repairs or credits for items in the unit (air conditioning, water heater, appliances), the closing date, and furniture for seasonal buyers. In a condominium, the roof and exterior are the association's, so we negotiate only what the seller controls.

What if there are multiple offers?

Multiple offers happen on Concordia units priced at or below value: one 1,468 three-bedroom listed at $225,000 sold at full price in three days in July 2026. We tell you when a unit is likely to draw competition and how to write a clean offer that wins without overpaying.


What Does It Cost to Buy and Own a Concordia Condo?

Buying a Concordia condominium costs the price, the buyer's closing costs (lender charges, Florida's documentary stamp tax on the note at $0.35 per $100 and intangible tax on the mortgage at $0.002 per dollar, the lender's title policy, inspection and any association application charge), and owning it costs the association fee, the HO-6 insurance policy and the property tax bill.

A worked example at the $210,000 median

On a $210,000 purchase with a $168,000 mortgage (20 percent down), documentary stamp tax on the note is $588 under section 201.08 of the Florida Statutes and intangible tax on the mortgage is $336 under section 199.133. In Lee County the seller customarily pays for the owner's title policy, and the buyer pays for the lender's policy, issued simultaneously at a much lower charge, plus endorsements. Lender fees, prepaid interest, escrow deposits and the inspection complete the buyer's costs.

Item Who customarily pays in Lee County On $210,000 with a $168,000 loan
Documentary stamp tax on the note ($0.35 per $100) Buyer $588
Intangible tax on the mortgage ($0.002 per dollar) Buyer $336
Owner's title insurance policy Seller paid by seller
Lender's title policy (simultaneous issue) and endorsements Buyer quoted by the title agent
Association application or transfer charge Per contract MLS shows $0 to $150
Home inspection and wind-mitigation report Buyer quoted by the inspector

What will it cost each month?

A Concordia owner's monthly cost is the mortgage payment, the association fee (a $500 monthly median on the MLS), one-twelfth of the HO-6 premium and one-twelfth of the property tax bill. The fee covers what the association insures and maintains under its budget; ask for the budget to see exactly what it includes.

How are property taxes calculated?

Lee County property taxes are the assessed value times the combined millage of the county, city, schools and special districts. A buyer's first bill reflects the new market value; a homestead exemption under section 196.031 and the Save Our Homes cap under section 193.155 apply only to a permanent Florida residence.


How Does Buyer's Agent Compensation Work in 2026?

Buyer's agent compensation in 2026 follows the National Association of REALTORS settlement that took effect in August 2024: before touring a home with an agent, a buyer signs a written agreement that states what the agent will be paid, compensation is negotiable, and offers of compensation to buyer's agents are no longer made through the MLS, although a seller may still agree to pay part of it in a sale.

What do I sign before touring a Concordia unit?

A written buyer agreement that states the services, the term and the compensation, as the settlement and Florida practice require. We explain every line before you sign and you can ask any question.

Can the seller pay my agent?

Yes, if the seller agrees in the contract. Many Concordia sellers consider it to widen their buyer pool; we ask on every offer and show you the effect on your cash to close.

What does Florida law say about our relationship?

Florida's brokerage relationship statute, section 475.278, presumes a transaction broker relationship unless a single agent relationship is established in writing, and it sets the duties we owe you either way.


How Do You Finance a Concordia Condo?

You finance a Concordia condominium with a conventional, FHA, VA or portfolio loan, and every loan adds a condominium project review in which the lender asks the association about owner-occupancy, delinquencies, insurance, reserves and litigation. Choosing a lender who closes Cape Coral condominiums regularly is the single best way to avoid a late surprise.

What is a warrantable condominium?

A warrantable condominium is one that meets the project standards Fannie Mae and Freddie Mac set for conventional loans. A lender decides it from the association's questionnaire; a non-warrantable project needs a portfolio or non-agency loan.

Can I use an FHA or VA loan?

FHA and VA loans require the condominium project to be approved by the agency or, for FHA, a single-unit approval. Ask your lender to check the HUD condominium approval search before you offer.

Are there first-time buyer programs?

The Florida Housing Finance Corporation offers first mortgage and down payment assistance programs for eligible first-time and other buyers through participating lenders. Eligibility depends on income, price limits and the loan program, and condominium eligibility follows the lender's project review.

What are mortgage rates doing?

Freddie Mac's Primary Mortgage Market Survey publishes average 30-year and 15-year fixed rates every week. Your rate depends on your credit, down payment and loan type; we connect buyers with lenders who quote quickly.


What Rights Does Florida Law Give a Concordia Buyer?

Florida law gives a Concordia resale buyer the right to receive the condominium's Declaration, Articles, Bylaws, rules, most recent year-end financial information, the frequently asked questions and answers document and the governance form under section 718.503, and to cancel within the statutory window after receiving them; the association's estoppel certificate under section 718.116 protects the buyer from undisclosed unpaid balances.

What should I read first in the documents?

Read the leasing restrictions, the pet rules, the budget and reserve schedule, any special assessment notice, the insurance section and the rules on alterations, in that order. They decide whether the unit fits your plans and what it will really cost.

Does section 720.401 apply?

No. Section 720.401 is the homeowners association disclosure under Chapter 720 and does not apply to condominium associations under Chapter 718. Concordia buyers rely on section 718.503 instead; this is information, not legal advice, and your closing agent or attorney confirms it for your contract.

What does the estoppel certificate tell me?

The estoppel certificate states the regular assessment, the date paid through, any special assessment, any amount owed and any transfer charge. The title company orders it and pays the association from the seller's proceeds what the seller owes.

What can I see in the association's records?

Once you are an owner, section 718.111 gives you the right to inspect the association's official records, including budgets, contracts, insurance policies and minutes, under the procedures the statute sets.


What Should a Concordia Buyer Know About Insurance and Flood?

A Concordia buyer should know that the association insures the buildings under a master policy paid through the fee, that the buyer needs an HO-6 policy for the interior, contents, loss assessment and liability, and that FEMA's National Flood Hazard Layer returns Zone X at the five Concordia addresses we tested, so a federally backed lender does not require flood insurance.

How much is an HO-6 policy?

HO-6 premiums are quoted per unit and are not published. Give the agent the unit address, year built (2006, 2007, 2009 or 2010 on the county roll), floor, square footage and the building's wind-mitigation features, and ask for loss assessment coverage. Get the quote before your inspection period ends. Questions about how insurance affects resale value? Call Jesse direct at (239) 898-6072.

Should I buy flood insurance in Zone X?

Flood insurance is optional in Zone X but inexpensive compared with high-risk zones, and it protects your contents and improvements. Ask whether the association's master policy covers flood for the buildings; if it does, your own flood policy covers what is yours inside the unit.

What is the storm history?

Concordia sits inland in northeast Cape Coral, away from the surge zones Hurricane Ian flooded on September 28, 2022. The federal aerial imagery flown in January 2023 shows blue tarps on a number of nearby single-family roofs and none that we can see on Concordia's 34 building roofs. Ask the association for its roof dates and any storm repairs in the resale documents.

Do Florida's condo safety laws matter here?

Florida's milestone inspection and structural integrity reserve study mandates apply to condominium buildings three stories or more. Concordia's two-story buildings fall outside that height test; read the budget's reserve schedule for roofs and painting instead.


What Inspections Should a Concordia Buyer Order?

A Concordia buyer should order a home inspection of the unit (air conditioning, water heater, plumbing, electrical, appliances, windows and doors, signs of past leaks), a wind-mitigation report and, for older systems, a four-point inspection if the insurer asks, and should ask the association for the roof and exterior maintenance history rather than inspecting what the association owns.

What does the association maintain?

The association maintains the common elements: roofs, exterior walls, grounds, the pool, the fitness center and recreation center and the lake. The Declaration defines exactly which parts of the building are the unit owner's and which are the association's; read that section before you inspect.

What do inspectors find in Concordia-era condominiums?

In 2006 to 2010 Florida condominiums, inspectors commonly note original air conditioning systems and water heaters nearing the end of their lives, sliding-door and window seals, and evidence of past water intrusion. An inspection finding on a unit-owner item is a negotiation point; an association item is a question for the association.

Is the garage inspected too?

Yes. The garage door, opener and any water heater or air handler located in the garage are part of the unit inspection. The association says every Concordia unit has a private attached garage.


What Should Seasonal Buyers and Investors Know About Concordia?

Seasonal buyers and investors should know that Concordia's attached garage, maintained exterior and walkable shopping suit a lock-and-leave owner, that leasing rights and any minimum lease term come from the recorded Declaration and rules, and that a non-homestead owner pays property tax without the homestead exemption or Save Our Homes cap.

Is Concordia good for snowbirds?

Concordia suits snowbirds who want a garage for a car left in Florida, a fenced community, a pool and fitness center, and a walk to Publix, at a recorded median of $210,000. Arrange hurricane-season checks of the unit and confirm the association's rules on unit access while you are away.

Can I rent out my Concordia condo?

Leasing in Concordia is governed by the Declaration and rules, which set any minimum lease term, number of leases a year and approval process. We do not quote them from second-hand sources; read the leasing section before buying a unit as a rental.

What taxes does a seasonal owner pay?

A non-homestead owner pays the full assessed-value tax bill, with the non-homestead assessment limitation under Florida law rather than the homestead cap. If you rent the unit, Florida sales tax and Lee County tourist development tax may apply to short-term rentals; a tax adviser confirms your obligations.

What do international buyers need to know?

International buyers can buy in Concordia; financing may require a foreign-national loan program, and a later sale may trigger FIRPTA withholding under IRS rules. Plan both with your lender and closing agent.


How Does Concordia Compare for Buyers?

For a buyer, Concordia compares as the mid-priced, garage-equipped condominium choice in ZIP 33909: a $210,000 recorded median and about $155 per heated square foot, against $157,000 at Isles of Porto Vista, $215,000 at Casa di Fiori and $185,000 across all ZIP 33909 condominiums over the same 12 months.

Community Recorded sales, 12 months to September 25, 2026 Median price Median $ per heated sq ft Years built
Concordia 22 $210,000 about $155 2006 to 2010
Casa di Fiori 22 $215,000 about $169 2012 to 2022
Isles of Porto Vista (condominiums only) 13 $157,000 about $123 2006 to 2007
Van Loon Commons 7 $174,000 about $117 2005 to 2007
Island Cove 21 $295,000 about $228 2004 to 2005
All condominium units in ZIP 33909 79 $185,000 about $153 1982 to 2023

Same Lee County file, rules and window for every row; Van Loon Commons recorded fewer than 10 sales.

Concordia or Isles of Porto Vista?

Choose Concordia for the attached garage, the walk to Publix, the fenced lake setting and two-story buildings; choose Isles of Porto Vista for a lower entry price, a $157,000 median on 13 sales. Our Concordia community guide sets them side by side.

Concordia or a single-family home?

At $210,000, Concordia buys a maintained exterior, amenities and a garage that a Cape Coral single-family home at that price usually cannot match. If you want a yard, a pool of your own or a canal, compare gated single-family communities such as Sandoval and Coral Lakes.


Get Your Personalized Concordia Buyer Consultation

A personalized Concordia buyer consultation with Marc Comisar is a short call or meeting that sets your budget including the association fee, insurance and taxes, matches it to the floor plans that fit, reviews the units listed that week against their plans' recorded sales and lays out the documents and inspections you will need.

Book your Concordia buyer consultation

Use the contact form on this page or call Marc at (239) 287-5873. Or call Jesse direct at (239) 898-6072. You will be working with Top 1% Real Estate Agents Nationally Since 2008. See how we represent buyers in Southwest Florida for the full process.

Set up custom Concordia listing alerts

Tell us the plans, floor and price range you want and we will send each new Concordia listing with its plan's recorded sales beside it.


What Buyers Say About Working With Us

McGreevy and Comisar are a top-reviewed Southwest Florida buyer's agent team, and Marc Comisar is a top-reviewed Concordia buyer's agent; the reviews below are quoted exactly as clients wrote them on our Google Business Profile, and we do not edit, combine or summarize client words.

★★★★★ "Marc was great! He helped us find a place that matched our needs, without trying to upsell us into something too big. And he's helped us settle into the area. 100% recommendation!" Verified Google review

★★★★★ "Marc is one of the most down to earth realtors that really listens to your needs and is exceptional at finding the right house." Verified Google review

★★★★★ "Marc is extremely knowledgeable, professional and a true pleasure to work with. He kept us informed throughout the process and went over and beyond our expectations to ensure an extremely smooth process." Verified Google review

★★★★★ "Marc and Jesse are truly great people and they care about the people that they work with. Marc made our house purchase seamless and we closed within 30 days. If you want someone that's gonna treat you like family, well you found them." Verified Google review


Frequently Asked Questions, Buyer Edition

Concordia buyers ask about price, fees, flood zone, rentals, pets, garages, financing, closing costs and how Concordia compares with other Cape Coral condominiums. The answers below use Lee County's recorded sales, the association's public site, the Southwest Florida MLS export of October 10, 2026, FEMA's flood maps and the Florida Statutes.

How much does a condo in Concordia cost?

Lee County recorded 22 qualified Concordia sales in the 12 months to September 25, 2026 at a $210,000 median, from $112,500 to $267,000.

What is the cheapest way into Concordia?

The 1,147-square-foot one-bedroom plan, often listed with a den, recorded a $150,000 median in 12 months.

How much is a three-bedroom in Concordia?

Three-bedroom units recorded a $227,000 median in 12 months, from $210,000 to $267,000.

What are the Concordia HOA fees?

A $500 monthly median on the 19 MLS closings that reported a fee in the October 10, 2026 export, from $468 to $644. The association's budget is the controlling figure.

What does the Concordia fee include?

The association's budget sets it; a Florida condominium budget typically funds common-area maintenance, the master building insurance, management and reserves. Read the budget in the resale documents.

Is Concordia gated?

Concordia is fenced, not gated, by the association's own description, with a camera and security system near the amenities.

Is Concordia in a flood zone?

FEMA maps Zone X, area of minimal flood hazard, at the five Concordia addresses we tested, on panels 12071C0254G and 12071C0258G.

Do I need flood insurance in Concordia?

Not for a federally backed loan in Zone X. Many owners buy contents coverage anyway.

Does every Concordia unit have a garage?

Yes, according to the association: every unit has a private attached garage and a lanai.

Can I rent my Concordia condo?

Leasing is set by the Declaration and rules; read the leasing section before you buy as an investor.

Are pets allowed in Concordia?

Pet rules are in the Declaration and rules; ask for them in the resale documents.

Is there a pool and gym?

Yes. The association lists a heated pool, a fitness center open daily from 5 a.m. to 10 p.m. and a community recreation center.

Can I walk to the grocery store?

Yes. Two private paths lead to a shopping center with a Publix at 2481 Del Prado Boulevard North.

Is Concordia on a canal?

No. Its buildings surround a five-acre man-made lake; there is no boat dockage.

Is Concordia a 55+ community?

No age restriction appears in any record we read; confirm in the Declaration if it matters to you.

How many Concordia condos are for sale?

Nine on October 10, 2026, from $199,000 to $278,777, with one under contract.

How much can I negotiate on a Concordia condo?

The median closing in the October 10, 2026 MLS export sold at 94.1 percent of its final list price.

How fast do Concordia condos sell?

A median 21 days on market in the October 10, 2026 MLS export; well-priced units sold within days.

What are buyer closing costs in Concordia?

On a $210,000 purchase with a $168,000 loan: $588 note stamps, $336 intangible tax, the lender's title policy, lender fees, prepaids, inspection and any association charge the contract assigns.

Who pays title insurance in Cape Coral?

In Lee County the seller customarily pays the owner's title policy; the buyer pays the lender's policy. The contract controls.

Can I use an FHA loan in Concordia?

Only if the project is FHA-approved or the unit qualifies for a single-unit approval; check the HUD condominium approval search with your lender.

Can I use a VA loan in Concordia?

VA loans also require project approval; your lender checks the VA's list.

Are there first-time buyer programs for Concordia?

The Florida Housing Finance Corporation's programs work through participating lenders, subject to income, price and condominium eligibility.

Can I cancel after signing a Concordia contract?

Yes, within the statutory window after receiving the section 718.503 documents, as the contract must state.

What is an estoppel certificate?

The association's statement, under section 718.116, of the unit's assessments, any special assessment and any amount owed, ordered by the title company before closing.

Are there special assessments in Concordia?

None are posted on the association's public site; the estoppel certificate states any levied for your unit.

Does Concordia need a milestone inspection?

No by Florida's height test: milestone inspections apply to buildings three stories or more, and Concordia's buildings are two stories.

What schools serve Concordia?

The School District of Lee County assigns by address under its annual Student Enrollment Plan; use its school zones lookup for the unit.

How far is Concordia from the airport?

About 16 straight-line miles from Southwest Florida International Airport and about 15.4 from Punta Gorda Airport.

How far is Concordia from the beach?

About 15.7 straight-line miles from the Sanibel Causeway; road distance is longer.

Do I need a buyer's agent to buy in Concordia?

No, but a buyer's agent reads the plan's recorded sales, negotiates, manages the condominium documents and coordinates the lender's project review. Under the 2024 NAR settlement you sign a written agreement before touring.

Who is the best buyer's agent for Concordia?

We think it is the agent who prices from recorded sales and reads the documents with you. Call Marc at (239) 287-5873 or see how we represent buyers.


Local Expertise: Buying in Concordia and Cape Coral

As Top 1% Real Estate Agents Nationally Since 2008, our local expertise for Concordia buyers comes from reading the community's 340 units by plan, building and year built on the Lee County roll, tracking every recorded sale, and knowing the Cape Coral condominium and single-family markets a buyer compares Concordia with, from Casa di Fiori and Isles of Porto Vista to the gated single-family communities nearby.

Our Concordia community guide covers the association, amenities, flood map, schools and drive times. Our Cape Coral buyer guide covers the city. Selling a home to buy here? Read Sell Your Home in Concordia or request a Concordia home valuation.


Downloadable Documents

The downloadable documents for a Concordia purchase are the public authority records a buyer relies on, each linked to the official source: the condominium resale, estoppel and records statutes, the documentary stamp and intangible tax statutes, the brokerage relationship statute, the association's documents page, the condominium insurance guide and the state's first-time buyer programs.

Document Authority
Florida Statutes 718.503, resale disclosure and cancellation Florida Senate
Florida Statutes 718.116, estoppel certificates Florida Senate
Florida Statutes 718.111, official records Florida Senate
Florida Statutes 201.08, documentary stamp tax on notes Florida Senate
Florida Statutes 199.133, intangible tax on mortgages Florida Senate
Florida Statutes 475.278, brokerage relationships Florida Senate
Concordia governing documents page (owner login) Concordia association website
Condo versus homeowners coverage explained Citizens Property Insurance
Homebuyer programs Florida Housing Finance Corporation
Closing disclosure explainer Consumer Financial Protection Bureau

Sources and Authoritative References

The sources behind every Concordia figure in this buyer guide are primary records: the Lee County Property Appraiser roll and recorded sales, the Southwest Florida MLS (Matrix) export of October 10, 2026, the association's website, the Florida Statutes, FEMA's flood maps, the National Association of REALTORS and Freddie Mac.

  1. Concordia condominium association website (TownSq): About Us
  2. Concordia association website: Management Contacts
  3. Concordia association website: Governing Documents page
  4. Concordia association website: Meet your Staff
  5. Castle Group, the association's management company
  6. Florida Division of Corporations (Sunbiz) entity search
  7. Lee County Property Appraiser
  8. Lee County Property Appraiser parcel data download (tax roll)
  9. Lee County Property Appraiser Sale Data Files
  10. Lee County Clerk of Court official records search
  11. Lee County Tax Collector
  12. Florida Department of Revenue, documentary stamp tax
  13. Florida Department of Revenue, property tax oversight
  14. Florida Statutes 718.103 definitions (condominium)
  15. Florida Statutes 718.111 association powers and official records
  16. Florida Statutes 718.112 bylaws, budgets and structural integrity reserve studies
  17. Florida Statutes 718.116 assessments and estoppel certificates
  18. Florida Statutes 718.503 resale disclosure
  19. Florida Statutes 553.899 milestone inspections
  20. Florida Statutes 689.25 disclosure exemptions
  21. Florida Statutes 201.02 documentary stamp tax on deeds
  22. Florida Statutes 193.155 Save Our Homes assessment limitation
  23. Florida Statutes 196.031 homestead exemption
  24. Florida Statutes 475.278 brokerage relationships
  25. Florida Statutes 627.351 Citizens Property Insurance
  26. Florida Statutes 720.401 disclosure (homeowners associations, for contrast)
  27. Florida DBPR Division of Florida Condominiums, Timeshares and Mobile Homes
  28. Florida DBPR condominium owners information
  29. Florida Real Estate Commission (DBPR)
  30. FEMA National Flood Hazard Layer
  31. FEMA Flood Map Service Center
  32. FEMA flood zone definitions
  33. FEMA National Flood Insurance Program
  34. FloodSmart (NFIP) zone X and preferred risk information
  35. FEMA Community Rating System
  36. US Census Bureau geocoder
  37. OpenStreetMap, Concordia Lake Circle
  38. National Hurricane Center report, Hurricane Ian
  39. National Hurricane Center report, Hurricane Milton
  40. National Hurricane Center
  41. Lee County Emergency Management, Know Your Zone
  42. Lee County Government
  43. City of Cape Coral
  44. City of Cape Coral Utilities Extension Project
  45. City of Cape Coral Parks and Recreation
  46. City of Cape Coral flood protection information
  47. City of Cape Coral special assessment FAQs
  48. Cape Coral Yacht Club (city)
  49. Four Mile Cove Ecological Preserve (city)
  50. Sun Splash Family Waterpark
  51. Coral Oaks Golf Course (city)
  52. Lee County School District
  53. Lee County School District Student Enrollment Plan and school choice
  54. Florida Department of Education school grades
  55. Lee Health Cape Coral Hospital
  56. Lee Health
  57. Southwest Florida International Airport
  58. Punta Gorda Airport
  59. LeeTran public transit
  60. Lee County Department of Transportation
  61. City of Cape Coral Pine Island Road development opportunities
  62. Florida Housing Finance Corporation homebuyer programs
  63. Freddie Mac Primary Mortgage Market Survey
  64. Fannie Mae condo project standards (Selling Guide)
  65. FHA condominium approval search (HUD)
  66. Florida DBPR, condominium association fees: important facts
  67. Citizens Property Insurance Corporation
  68. Florida Office of Insurance Regulation
  69. My Safe Florida Home program
  70. National Association of REALTORS settlement facts
  71. Florida REALTORS
  72. Consumer Financial Protection Bureau, closing disclosure
  73. IRS Publication 523, selling your home
  74. IRS FIRPTA withholding
  75. US Census Bureau QuickFacts, Cape Coral
  76. Florida Division of Emergency Management, Know Your Zone
  77. Lee County Utilities and Florida Power and Light service
  78. Lee County Solid Waste
  79. Southwest Florida MLS (Matrix) provider
  80. City of Cape Coral Utilities Extension Project, find your area
  81. City of Cape Coral Sports Complex
  82. City of Cape Coral Jaycee Park
  83. City of Cape Coral Rotary Park Environmental Center
  84. City of Cape Coral Art Center
  85. City of Cape Coral boating and boat ramps
  86. City of Cape Coral Northwest Cape Seven Islands planning
  87. Lee Health Gulf Coast Medical Center
  88. Lee Health fast facts
  89. Lee County School District student enrollment
  90. Florida DBPR condominium milestone inspections and SIRS information
  91. Florida Senate bill summary, CS/CS/HB 913 (2025) condominium associations
  92. Citizens Property Insurance, condo versus homeowners coverage explained
  93. Lee County School District, Island Coast High School
  94. Lee County School District, Mariner High School
  95. Lee County School District, Trafalgar Middle School
  96. FEMA Flood Map Service Center search
  97. City of Cape Coral, Coral Grove town center
  98. City of Cape Coral, why Cape Coral (economic development)
  99. USDA National Agriculture Imagery Program via USGS National Map (aerial imagery)
  100. Florida Administrative Code 69O-186.003, title insurance premium rates
  101. Florida Statutes 201.08 documentary stamp tax on notes and mortgages
  102. Florida Statutes 199.133 nonrecurring intangible tax on mortgages

Your Local Real Estate Experts

McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, are the local real estate experts for Concordia buyers: Marc Comisar leads buyer representation and negotiation, Jesse McGreevy leads listing strategy, and as the leaders of Domain Realty Group our team has closed over $2.5 billion in real estate.

  • Top 1% Real Estate Agents Nationally Since 2008

  • 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)

  • #1 Team in Southwest Florida since 2012

  • McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate

  • McGreevy and Comisar alone have over $900 million in Sales

  • Nationally Recognized Top Producing Realtors

  • Platinum Sales Production Award Winners

  • Jesse McGreevy: (239) 898-6072 ·

  • Marc Comisar: (239) 287-5873

  • Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

Jesse McGreevy (Sales Associate) and Marc Comisar (Broker Associate) are licensed Florida REALTORS® with Domain Realty; Florida real estate licensure is regulated by the Florida Real Estate Commission (FREC). Florida license numbers: Jesse McGreevy SL3101296, Marc Comisar BK3060671.

Call Marc at (239) 287-5873 for a Concordia buyer consultation, or see how we represent buyers. Meet Jesse McGreevy and Marc Comisar, or read more about McGreevy and Comisar. Selling first? Call Jesse direct at (239) 898-6072 or request a free home valuation.

McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more at DomainRealtyGroup.com.

Market data from Southwest Florida MLS, pulled October 10, 2026 (Matrix export), and from Lee County recorded sales through September 25, 2026. Updated October 2026. This buyer guide is general information, not legal, tax, lending or insurance advice. Brokered by Domain Realty.