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What’s Your Smugglers Cove Home Worth?

What’s Your Smugglers Cove Home Worth?

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By Jesse McGreevy and Marc Comisar, McGreevy and Comisar, Domain Realty Group. Updated October 2026.

More about Jesse McGreevy, Marc Comisar and our team on the McGreevy and Comisar about page.

McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, value Smugglers Cove condominiums in Fort Myers Beach from the Southwest Florida MLS and the Lee County deed record, sale by sale, and this page answers one question: what is my Smugglers Cove condo worth? Smugglers Cove is two six-story condominium buildings at 5100 Estero Boulevard, on Estero Island in the Town of Fort Myers Beach, Lee County, Florida, ZIP 33931, inside the Fort Myers Beach market.

This page covers the 84 condominium units at 5100 Estero Boulevard and nothing else. Smugglers Cove is also the name of an adventure-golf brand and of condominium associations in other Florida counties, and none of them is this property.

In the 60 months to October 7, 2026, the Southwest Florida MLS recorded 13 Smugglers Cove closings at a median of $450,000, from $380,000 to $789,000. Only 3 of the 13 closed in the last 12 months, at $442,000, $450,000 and $450,000, and no unit was listed for sale on October 7, 2026. The Lee County Property Appraiser’s qualified sale file shows 12 deeds in the same 60 months at a median of $460,000, and only 5 of those 12 are also MLS closings. We keep the two series apart.

To put a number on your own condo, use the valuation form on this page or request a free Smugglers Cove condo valuation. Call Jesse direct at (239) 898-6072. Ready to sell? See how we sell Smugglers Cove condos. Buying instead? Call Marc at (239) 287-5873 or read our guide to buying a home in Fort Myers Beach.


What Is My Smugglers Cove Condo in Fort Myers Beach Worth in 2026?

A Smugglers Cove condo in Fort Myers Beach is worth what the same 792 square foot, two-bedroom floor plan most recently sold for in its own two buildings, adjusted for floor, view, condition and the association’s documents. The nine Southwest Florida MLS closings since January 2023 ran from $380,000 to $500,000, and four closed at exactly $450,000.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

What the Southwest Florida MLS shows, by window

We count back from October 7, 2026 and show four windows. A window leads only when it holds 10 or more closings, and at Smugglers Cove only the 60-month window does. For the three shorter windows we print the count, the range and the dollar volume, and the sales themselves are listed further down this page.

Window Closings Median sale Price range Dollar volume Median days on market Median sale-to-final-list
Last 12 months 3 Fewer than 10, sales listed below $442,000 to $450,000 $1,342,000 Not shown Not shown
Last 24 months 3 Fewer than 10, sales listed below $442,000 to $450,000 $1,342,000 Not shown Not shown
Last 36 months 8 Fewer than 10, sales listed below $380,000 to $480,000 $3,524,000 Not shown Not shown
Last 60 months 13 $450,000 $380,000 to $789,000 $7,039,500 29 93.2%

Source: Southwest Florida MLS (Matrix), closed sales pulled October 7, 2026. None of the 13 was a Sold Data Entry record, so every row is a marketed sale. The 12-month and 24-month windows hold the same three closings, because no sale closed in the MLS between August 1, 2024 and February 20, 2026. Sale-to-final-list is the sold price divided by the last list price.

What the Lee County record shows, by window

The county series is a different count. The Property Appraiser’s qualified sale file, read with the roll file of October 4, 2026, lists the deeds the county coded as usable sales of the condominium units.

Window Qualified deeds Median price Lowest Highest
Last 12 months 6 Fewer than 10, deeds listed below $400,000 $500,000
Last 24 months 7 Fewer than 10, deeds listed below $400,000 $500,000
Last 36 months 8 Fewer than 10, deeds listed below $400,000 $500,000
Last 60 months 12 $460,000 $400,000 $500,000

The two lists overlap less than their counts suggest. Only 5 of the county’s 12 qualified deeds match an MLS closing. The other 7 never appeared in the MLS, and the county also holds 10 priced deeds from 2022 and 2024 that it does not code as qualified, 8 of which are MLS closings. An owner who reads only one of the two records sees about half of what sold.

Key Takeaways

These are the facts a Smugglers Cove condo owner in Fort Myers Beach should know about value in October 2026. Each is sourced in the section that follows.

  • 13 MLS closings in five years, $450,000 median, from $380,000 to $789,000, with a median of 29 days on market and 93.2 percent of the final list price.
  • The last three sales were $442,000, $450,000 and $450,000, all in 2026 and all in Building B, and they are the only MLS closings of the last 24 months.
  • Two price groups, not one. Four 2022 closings ran $720,000 to $789,000 and nine closings since January 2023 ran $380,000 to $500,000.
  • Every unit is the same size. The county roll and all 13 MLS closings read 792 square feet, two bedrooms and two baths, so floor, view and condition carry the whole price difference.
  • Half the sales are in one record only. Seven of the county’s 12 qualified deeds never reached the MLS, and 8 MLS closings sit in the county file as unqualified deeds.
  • Just value is not a price. The roll carries $78,375 on every one of the 84 units, about 17.4 percent of the $450,000 median.
  • Nothing is for sale. The MLS showed no active or pending Smugglers Cove listing on October 7, 2026, so the next seller sets the asking price for the building.
  • Fees are a value factor. Listing-entered annual recurring fees ran from $6,200 to $19,220 on 13 closings, and the three 2026 entries read $10,592 to $10,636. None is verified.
  • Operating status is an open question. Two websites tied to the property showed closure notices on October 7, 2026.
  • Lee County custom sets your net. The seller customarily pays the owner’s title policy and the deed stamps, which are $3,150.00 on a $450,000 sale.

Table of Contents

Why Value Your Smugglers Cove Condo in Fort Myers Beach With McGreevy and Comisar?

Value your Smugglers Cove condo with McGreevy and Comisar because we read the MLS and the county deed file side by side, which at this building is the only way to see every sale, and we say plainly what the public record cannot show. We are Top 1% Real Estate Agents Nationally Since 2008, and we prepare every valuation personally.

What we have tracked first-hand here

We tracked every one of the 13 Smugglers Cove closings in the Southwest Florida MLS over the last 60 months, pulled on October 7, 2026, with the closing date, sold price, last list price, days on market, building and floor. We also tracked every priced deed in the Lee County sale file for the 85 parcels, 22 of them in the same 60 months, and queried the federal flood map at the two street addresses and the center point. A Fort Myers Beach specialist works from that record first, and our guide to the best real estate agents in Fort Myers Beach shows how we compare.

Our team record

RealTrends Verified 2026 lists our team as a Large Team with 241 sides and $157.57 million in volume, ranked first in Bonita Springs, fifth in Florida by sides and eleventh by volume. Domain Realty Group, the team McGreevy and Comisar lead, has completed more than 4,000 transactions and $2.5 billion in sales, and McGreevy and Comisar alone have over $900 million. We are the #1 Team in Southwest Florida since 2012. Jesse McGreevy has held a Florida license since November 4, 2004 and Marc Comisar since September 25, 2003, both with DomainRealty.com LLC, according to the state’s licensing record read October 7, 2026.

Get Your Free Smugglers Cove Condo Valuation in 60 Seconds

Get a free Smugglers Cove condo valuation by entering your address in the valuation form on this page, calling Jesse direct at (239) 898-6072, or booking a walk-through. We send a range built from sales of the same 792 square foot floor plan in your own two buildings, not a ZIP-wide estimate, and a full pricing file after the walk-through.

What we need from you

Your building (A or B), your floor and position on the floor, what you see from the balcony, any renovation with dates and permits, your windows and doors, and the association documents you hold. McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, prepare every valuation personally.

What you get back

  • A value range built from Smugglers Cove sales in both the MLS and the county deed file, each with its date, price, building and floor.
  • The flood, fee, document and operating-status facts a buyer’s lender and insurer will weigh, and a short list of papers to gather before you list.
  • Your likely net at that range, using Lee County closing custom.

What Is Your Smugglers Cove Home Worth? Get a Free Valuation in 60 Seconds.

Enter your address in the free Smugglers Cove condo valuation form on this page, see how we sell Smugglers Cove condos, or talk to Jesse direct. Call Jesse direct at (239) 898-6072, text or call. With no unit listed in either building on October 7, 2026, the next owner to sell will be the only one on the market. Buying instead? Call Marc at (239) 287-5873 or read our guide to buying a home in Fort Myers Beach.

Why Does an Online Estimate Miss Smugglers Cove Condo Values in Fort Myers Beach?

An online estimate misses Smugglers Cove condo values because the public fields it leans on mislead here: the county roll carries one identical just value of $78,375 on all 84 units, the county codes ten recent priced deeds as unqualified, seven county sales never reached the MLS, and no unit is listed, so no asking price exists to calibrate against.

The roll value is the same on every unit

The Lee County roll file of October 4, 2026 lists a just value of $78,375 on each of the 84 unit parcels, for a total of $6,583,500. A first-floor unit in Building A and a sixth-floor unit in Building B carry the same figure. The 60-month MLS median of $450,000 is about 5.7 times that number. A model that weights assessed value sees a building worth a fraction of what its units sell for, and it sees no difference between any two units.

The qualified-sale file skips 2022 and 2024

The county’s file holds 22 priced deeds for these parcels in the last 60 months. It codes 12 as qualified and 10 as not qualified, and all 10 fall in two years: four in 2022 and six in 2024. Eight of the ten match an MLS closing to the dollar. A model trained on qualified sales alone sees no Smugglers Cove sale in 2022, the year the four highest prices closed, and none in 2024, the year the lowest one did. We do not know why the county coded them that way, and the file does not say.

Seven county sales never reached the MLS

Seven of the county’s 12 qualified deeds have no MLS counterpart: $477,900 and $499,900 in June 2023, $434,000 in August 2023, $470,000 and $500,000 in October 2025, $470,000 in January 2026 and $400,000 in February 2026. An estimate built on MLS data alone misses all seven, including the four deeds dated from October 2025 to February 2026.

How Do We Value a Smugglers Cove Condo in Fort Myers Beach?

We value a Smugglers Cove condo by starting from the nine MLS closings since January 2023, adding the county deeds the MLS never saw as a second series, placing your unit by building and floor, and adjusting for view, condition and documents at a walk-through. We show the range and every sale behind it.

Step one: use the same floor plan, and only the recent group

Every comparable is the same 792 square foot, two-bedroom, two-bath unit, so no size adjustment is needed. We set aside the four 2022 closings at $720,000 to $789,000 and work from the nine closings since January 2023, which ran from $380,000 to $500,000. The median of these 9 closings is $450,000 and the mean is $447,111. Six of the nine closed between $442,000 and $480,000.

Step two: weight the 2026 sales

Three sales closed in 2026: $450,000 on February 20, $450,000 on June 18 and $442,000 on August 31. They are the only MLS closings after a 568-day stretch with none, and all three were in Building B, two on the sixth floor and one on the third. A buyer’s appraiser will reach for them first, so we do too.

Step three: read the county deeds as a second series

The county’s qualified file adds three deeds in the last 12 months that the MLS does not hold: $500,000 on October 31, 2025, $470,000 on January 9, 2026 and $400,000 on February 3, 2026. A fourth, $470,000 on October 1, 2025, sits a few days outside that window. We never blend them into an MLS figure. We use them as a check, and they widen the recent range to $400,000 to $500,000 across the county’s six qualified deeds of the last 12 months.

Step four: place the unit by building and floor

The building letter and the floor are part of each unit’s label in both records. We read them for every sale and compare your unit with the nearest one. The record is too thin to price a floor or a building in dollars, so that comparison is made at the walk-through, in writing.

Step five: test the price against the competition

No Smugglers Cove unit was listed on October 7, 2026, so your unit would compete with other Estero Island condominiums. The Privateer, compared below, had two active listings at $475,000 and $889,000 and one pending at $575,000 that day. We set your range against what a buyer can tour the same afternoon.

What Did Smugglers Cove Condos Sell For in the Last Five Years?

Smugglers Cove condos in Fort Myers Beach sold for a median of $450,000 across 13 Southwest Florida MLS closings in the 60 months to October 7, 2026, from $380,000 to $789,000. The nine closings since January 2023 ran from $380,000 to $500,000, and the three closings of 2026 were $442,000, $450,000 and $450,000.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

The 60-month MLS numbers

The Southwest Florida MLS, pulled October 7, 2026, records 13 closings from October 8, 2021 to October 7, 2026, for $7,039,500 in dollar volume. The median sale was $450,000 and the mean $541,500, a gap that comes from the four 2022 sales. Median days on market was 29 and the median sale-to-final-list ratio 93.2 percent. Eleven of the 13 sold below the final list price, two sold at exactly the final list price, and none sold above it. We tracked every one of the 13 sales.

Every closing in the last 60 months

We print the building’s street address only, never a unit number. Every row is the same 792 square foot, two-bedroom, two-bath floor plan. The table runs newest first.

Closed Sold price Final list price Sold as a share of final list Street address Living area Price per sq ft Days on market
Aug 31, 2026 $442,000 $450,000 98.2% 5100 Estero Blvd 792 sq ft $558 29
Jun 18, 2026 $450,000 $490,000 91.8% 5100 Estero Blvd 792 sq ft $568 4
Feb 20, 2026 $450,000 $485,000 92.8% 5100 Estero Blvd 792 sq ft $568 84
Aug 1, 2024 $450,000 $510,000 88.2% 5100 Estero Blvd 792 sq ft $568 322
Jul 26, 2024 $380,000 $525,000 72.4% 5100 Estero Blvd 792 sq ft $480 308
May 17, 2024 $422,000 $519,900 81.2% 5100 Estero Blvd 792 sq ft $533 243
May 17, 2024 $480,000 $515,000 93.2% 5100 Estero Blvd 792 sq ft $606 163
Nov 6, 2023 $450,000 $469,900 95.8% 5100 Estero Blvd 792 sq ft $568 21
Sep 29, 2023 $500,000 $565,000 88.5% 5100 Estero Blvd 792 sq ft $631 80
Sep 27, 2022 $727,500 $749,900 97.0% 5100 Estero Blvd 792 sq ft $919 16
Jul 8, 2022 $789,000 $799,000 98.7% 5100 Estero Blvd 792 sq ft $996 0
Mar 25, 2022 $779,000 $779,000 100.0% 5100 Estero Blvd 792 sq ft $984 3
Mar 25, 2022 $720,000 $720,000 100.0% 5100 Estero Blvd 792 sq ft $909 0

The asking price lesson in the 2024 sales

Four of the nine closings since January 2023 sold for exactly $450,000: in November 2023, August 2024, February 2026 and June 2026. The four units that closed in 2024 carried final list prices of $510,000 to $525,000, took 163 to 322 days and sold for $380,000 to $480,000. The three that closed in 2026 carried final list prices of $450,000 to $490,000, took 4 to 84 days and sold for $442,000 to $450,000. The sold prices of the two groups overlap. What changed was the asking price and the time it took: the unit listed at $450,000 sold in 29 days at 98.2 percent of that price.

The county’s 12 qualified deeds, and which ones the MLS also holds

The county series is separate. This table lists the 12 deeds the Property Appraiser coded as qualified in the 60 months to the October 4, 2026 roll file, by building, with a note on whether the MLS holds a matching closing.

County deed date Deed price Building Also an MLS closing?
Aug 31, 2026 $442,000 B Yes
Jun 18, 2026 $450,000 B Yes
Feb 20, 2026 $450,000 B Yes
Feb 3, 2026 $400,000 B No
Jan 9, 2026 $470,000 B No
Oct 31, 2025 $500,000 A No
Oct 1, 2025 $470,000 A No
Nov 6, 2023 $450,000 B Yes
Sep 27, 2023 $500,000 B Yes, closed September 29, 2023 in the MLS
Aug 11, 2023 $434,000 A No
Jun 1, 2023 $477,900 A No
Jun 1, 2023 $499,900 B No

The median of these 12 deeds is $460,000. Seven of them never appeared in the MLS, and the county file does not say how those units were sold. The county also holds ten priced deeds it does not code as qualified, four from 2022 at $720,000 to $789,000 and six from 2024 at $380,000 to $509,000. Two of the 2024 deeds, $509,000 on May 20 and $400,000 on July 26, have no MLS closing either.

Active listings today

On October 7, 2026 the MLS showed no Smugglers Cove condo active and none pending. A re-check of the MLS on October 29, 2026 again found no Smugglers Cove listing active and none pending, and no closing since the August 31, 2026 sale. One new listing against the five-year pace of about 0.22 closings a month would read as about 4.6 months of supply.

Turnover

Thirteen MLS closings in five years across 84 units is 2.6 a year, or about 3.1 percent of the units each year. The MLS understates turnover here, because the county file holds nine priced deeds in the same period that the MLS does not. All 22 priced deeds across 84 units is 4.4 a year, or about 5.2 percent, counted as deeds and not as a sales index.

What Is a Smugglers Cove Condo Worth by Building, Floor, Size and Position?

A Smugglers Cove condo is not worth measurably more or less by building or floor on the record we have. Since January 2023 the county’s 18 priced deeds ran from $380,000 to $509,000 in Building A and from $400,000 to $500,000 in Building B, and the three floor bands overlap almost completely. Size never varies.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

By building, in the MLS

The county roll letters the two buildings A and B, and each holds 42 units, seven on each of six floors. The building letter is part of every unit’s label, so each closing can be placed.

Building MLS closings, 60 months Range, 60 months MLS closings since January 2023 Range since January 2023
Building A (42 units) 3 $380,000 to $720,000 2 $380,000 and $480,000
Building B (42 units) 10 $422,000 to $789,000 7 $422,000 to $500,000

Ten of the 13 MLS closings were in Building B, including all three of 2026. Two recent Building A sales cannot rank a building, and we draw no premium for either one.

By building, in the county deed file

The county file is the fuller record for this question, because it holds the Building A sales the MLS missed. Counting every priced deed dated since January 2023, qualified or not, the file holds 18.

Building Priced county deeds since January 2023 Range Median of these deeds
Building A 8 $380,000 to $509,000 $473,950
Building B 10 $400,000 to $500,000 $450,000

The Building A median sits $23,950 above Building B’s, on 8 and 10 deeds. With 8 deeds in one group, we read it as two overlapping ranges and not as a Building A premium. The lowest and the highest deed of the 18 are both in Building A.

By floor

The first character of each unit label is the floor. Sorting the same 18 county deeds into three bands gives six deeds in each.

Floor band Priced county deeds since January 2023 Range
Floors 1 and 2 6 $380,000 to $509,000
Floors 3 and 4 6 $400,000 to $480,000
Floors 5 and 6 6 $422,000 to $500,000

The lowest two floors hold both the lowest deed, $380,000, and the highest, $509,000. The top two floors have the highest low end of the three bands, $422,000, but with six deeds in a band that is an observation, not a premium. In the MLS the two sixth-floor closings of 2026 both sold at $450,000 and the third-floor closing sold at $442,000, a spread of $8,000.

By size

No size split is possible, and none is needed. The county roll lists 792 heated square feet on every one of the 84 unit parcels, and all 13 MLS closings report 792 square feet, two bedrooms and two baths. Price per square foot ran from $480 to $996 over five years and from $480 to $631 since January 2023, and every dollar of that spread is price, not size.

By position on the floor and view

Each floor has seven positions, and no position has more than three MLS closings in five years. The roll codes the land as Gulf on all 85 parcels, which marks the Gulf side of Estero Boulevard, but no public field records what a unit sees from its balcony. We confirm a view in person and adjust for it at the walk-through.

Are Smugglers Cove Condo Values Rising or Falling?

The record does not support a direction for Smugglers Cove condo values. No 12-month period in the last five years holds 10 MLS closings, so no annual median can be compared. What the record shows is a break: four 2022 closings at $720,000 to $789,000, then nine closings at $380,000 to $500,000.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

Year by year in the MLS, with the sample beside each

Trailing 12-month block MLS closings Prices
October 2025 to October 2026 3 $442,000, $450,000, $450,000
October 2024 to October 2025 0 None
October 2023 to October 2024 5 $380,000 to $480,000
October 2022 to October 2023 1 $500,000
October 2021 to October 2022 4 $720,000 to $789,000

Every block is under 10 sales, so we print prices and no medians. The counts are the finding: 4, 1, 5, 0 and 3.

The county’s calendar years, as a separate series

The county’s qualified file reaches further back, and each year is again under 10 deeds, so we list ranges.

Deed year Qualified deeds Range
2014 5 $300,000 to $450,000
2015 4 $445,000 to $534,000
2016 3 $470,000 to $570,000
2017 2 $489,090 and $500,000
2018 5 $400,000 to $550,000
2019 1 $472,500
2020 6 $128,010 to $464,900
2021 1 $549,900
2022 0 qualified (4 priced deeds coded unqualified) $720,000 to $789,000 on the unqualified deeds
2023 5 $434,000 to $500,000
2024 0 qualified (6 priced deeds coded unqualified) $380,000 to $509,000 on the unqualified deeds
2025 2 $470,000 and $500,000
2026, through August 31 5 $400,000 to $470,000

Read across the table and one fact stands out without any trend line: the 2026 deeds, at $400,000 to $470,000, sit inside the range the county recorded in 2015 through 2018. The 2022 deeds are the exception in a 13-year record, not the level the building returned to.

The break at Hurricane Ian

Hurricane Ian made landfall on September 28, 2022. The last MLS closing before it was on September 27, 2022, one day earlier, at $727,500. The next MLS closing was on September 29, 2023, 367 days later, at $500,000. We state the two dates and the two prices and let them stand: the record shows what closed, not why a sale did or did not occur, and we found no association or government document describing what the storm did to these two buildings.

What we do not conclude

We do not conclude that values are falling because $442,000 in August 2026 is below $450,000 in June 2026, or that they are stable because four sales share one price. Three closings a year cannot carry a trend.

One Smugglers Cove Condo’s Public Record

One fifth-floor Smugglers Cove condo in Building B shows what the public record can and cannot tell an owner. The Lee County file records it selling for $190,000 in August 1994, $450,000 on September 25, 2014 and $500,000 on September 27, 2023, and the record omits the improvements, the carrying costs and each owner’s reasons.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

The chain, deed by deed

This unit is an example from the public record, chosen because its chain is long and its last link appears in both records. The county’s sale file lists these qualified deeds.

County deed date Deed price Years since the prior deed Change from the prior deed
December 1977 $43,900 First sale in the file Not applicable
August 1994 $190,000 16.7 +332.8%
September 25, 2014 $450,000 20.2 +136.8%
September 27, 2023 $500,000 9.0 +11.1%

The two oldest deeds carry a month and year only in the county file. The 2023 sale is also in the MLS: a fifth-floor Building B closing at the same $500,000 on September 29, 2023, with a final list price of $565,000 and 80 days on market, so that buyer paid 88.5 percent of the final list price. The MLS date is two days after the county’s deed date, the kind of small difference between two records that we note and do not resolve.

What the chain says about holding periods

The owner who bought in 1994 held for 20.2 years and sold for 136.8 percent more, which works out to about 4.4 percent a year compounded. The owner who bought in 2014 held for 9.0 years, through Hurricane Ian, and sold for 11.1 percent more, about 1.2 percent a year. Neither figure includes fees, taxes, insurance or improvements, and neither is a forecast.

The ten most recent repeat sales in the county file

The county’s qualified file, which we hold from 1981 forward for this exercise, shows 38 units that sold at least twice and 53 repeat pairs. We show the ten most recent by building and floor, never the unit, with dates and prices as recorded. Dates shown as a month and year are recorded that way.

Building and floor First deed First price Second deed Second price Years held Change
B, floor 4 Mar 9, 2011 $282,500 Feb 3, 2026 $400,000 14.9 +41.6%
B, floor 2 Jan 1990 $126,500 Jan 9, 2026 $470,000 36.0 +271.5%
A, floor 1 Dec 1981 $102,000 Oct 31, 2025 $500,000 43.9 +390.2%
A, floor 6 Feb 21, 2012 $385,000 Oct 1, 2025 $470,000 13.6 +22.1%
B, floor 4 Jan 30, 2015 $460,000 Nov 6, 2023 $450,000 8.8 -2.2%
B, floor 5 Sep 25, 2014 $450,000 Sep 27, 2023 $500,000 9.0 +11.1%
A, floor 3 May 28, 1999 $262,500 Aug 11, 2023 $434,000 24.2 +65.3%
B, floor 5 Jul 1992 $162,000 Jun 1, 2023 $499,900 30.9 +208.6%
A, floor 2 Feb 1988 $106,000 Jun 1, 2023 $477,900 35.3 +350.8%
A, floor 5 Sep 8, 2017 $489,090 Mar 22, 2021 $549,900 3.5 +12.4%

Of the 53 pairs, 45 sold for more the second time and 8 for less. Of the 27 pairs whose second sale was dated 2014 or later, 20 rose and 7 fell, with a median change of +41.6 percent over a median hold of 14.9 years. The seven that fell include four owners who bought in 2004 through 2008 and sold in 2014 through 2018. Pairs are a record of resales, not a market index.

What this means for your price

At Smugglers Cove the long holders show large gains, and the four recent sellers who had held for under 10 years show changes of -6.5 to +12.4 percent. We use the chain as a check on a range, never as the range. Your unit’s own history, with the upgrades you can document, belongs in the file we build for you.

What Moves a Smugglers Cove Condo’s Value Up or Down?

A Smugglers Cove condo’s value moves with its floor and view, its condition, the association’s fees and documents, the answer to the property’s operating-status question, its flood zone and insurance cost, and the rental rules a buyer inherits. Size never moves it, because all 84 units share one 792 square foot floor plan.

Floor, view and position

The two buildings stand on land the county roll codes as Gulf, on the Gulf side of Estero Boulevard. Since January 2023 the priced county deeds ran from $380,000 to $509,000 for the identical floor plan, a spread of $129,000. Floor, balcony view and position are the likeliest causes, and the public record carries none of them, which is why we confirm a view in person and never from a listing remark.

Condition and a complete document file

Because every comparable is the same size, a buyer compares condition directly. A renovated unit with receipts and permits, sold with a complete resale package, stands at the top of the band. A buyer’s attorney will read the declaration recorded at Lee County Official Records Book 1225, Page 555, the rules, the budget and the reserve study, and a missing document delays a closing.

The operating-status question

On October 7, 2026 two websites tied to the property carried closure notices. A page styled as the owners’ association page read “Closed for Reconstruction”, and the on-site rental office’s site showed a notice that the property “will be Closed Indefinitely” beside an “OPENING SOON” banner. Neither is a dated official statement, we link neither, and we do not state whether the property is open, closed or under repair. A buyer will find the same notices, so an owner who holds a dated written statement from the association about what is open and what work is under way removes the largest unknown from the price.

Flood zone and insurance

The FEMA flood map indicates Zone AE with a base flood elevation of 12 feet at the 5100 and 5102 Estero Boulevard addresses and Zone VE with a base flood elevation of 14 feet at the property’s center point, on panel 12071C0566G effective November 17, 2022, in feet NAVD88. The two readings put the site near a mapped zone boundary. An elevation certificate or a lender’s determination settles the reading for a building. The property is in evacuation zone A.

Rental and pet rules

Rental terms and pet rules for Smugglers Cove are not published. The recorded declaration at Lee County Official Records Book 1225, Page 555 and the association’s current rules govern, and a seller should have them in the resale package. The Town’s 2026 opt-out list for condominium short-term rentals names the building, with a registration column that read No, and that file does not state what the declaration allows. A buyer who plans to rent will price what the written rules permit.

Storm record and rebuild rules

Hurricane Ian put 10 to 15 feet of surge above ground on Fort Myers Beach and Estero Island on September 28, 2022, according to the National Hurricane Center. The Town applies its 50 percent rule to a condominium as a whole building, and requires one foot of freeboard above the base flood elevation for a building that is substantially improved or substantially damaged, so the association’s repair history matters to every unit’s value.

How Do Fees, Reserves, Assessments and Insurance Affect a Smugglers Cove Condo’s Value?

Fees, reserves, assessments and insurance affect a Smugglers Cove condo’s value because a buyer prices the whole yearly cost, not the purchase price alone. Listing-entered annual recurring fees on 13 Southwest Florida MLS closings ranged from $6,200 to $19,220 (not verified; the association’s current budget and an estoppel certificate govern).

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

What the listing entries show

The association’s fee is not published. Each of the 13 closings carries a listing-entered total, and grouped by year of sale they read $6,200 to $6,400 on the four 2022 closings, $7,972 on both 2023 closings, $7,972 to $19,220 on the four 2024 closings and $10,592 to $10,636 on the three 2026 closings. The median of the 13 entries is $7,972. The 2026 entries show quarterly amounts of $2,648 and $2,659, and $10,636 a year is about $886 a month, or about 2.4 percent of a $450,000 price each year. The entries come from different units and different listing agents, so the rise from $6,200 to $10,636 is a pattern to ask about, not a verified increase.

The $19,220 entry

One July 2024 entry reads $19,220, about 1.8 times the next highest. The same entry lists a quarterly condominium fee of $2,099, which is $8,396 a year, and the remaining $10,824 has no label. It belongs to the closing that sold at $380,000, the lowest price of the five years. We do not know what the figure includes.

One-time fees at sale

Listing entries show an application fee of $100 on 9 of the 13 closings and no transfer fee on any. We print no estoppel dollar amount: Florida law caps what an association may charge for the certificate, and the association quotes its current fee.

Reserves and the milestone and reserve-study rules

Florida’s milestone inspection law (Statute 553.899) applies to condominium buildings of three or more habitable stories at 30 years, and the structural integrity reserve study rule (Statute 718.112) applies to buildings of three or more stories. The county roll dates the two buildings to 1977 and 1978 at six stories, so both rules apply by computation: the buildings reached 30 years in 2007 or 2008, the first milestone inspection was due before December 31, 2024 and the reserve study by December 31, 2025. We computed this from the county’s year built and stories and state no status for either building. A buyer and a lender will ask for both reports.

Insurance

The association carries the building policy, and its premium is normally part of the quarterly fee. A unit owner usually carries a separate policy for the interior and contents. We found no premium from a primary source and publish none. The Town of Fort Myers Beach holds a Community Rating System Class 5 with a 25 percent discount on federal flood policies, effective April 1, 2026, and Citizens Property Insurance exempts policies written on a unit owner’s form from its flood requirement under Florida Statute 627.351.

Is the Property Appraiser’s Just Value the Same as What a Smugglers Cove Condo Sells For?

No. The Lee County Property Appraiser’s just value is the county’s figure for tax purposes, and at Smugglers Cove it is far below sale prices. The October 4, 2026 roll file carries $78,375 on every one of the 84 units, against a $460,000 median for the county’s own 12 qualified deeds of the last 60 months.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

What the roll shows

All 84 unit parcels carry the same just value, $78,375, for a total of $6,583,500. The common-area parcel at 5102 Estero Boulevard carries none. The roll dates 82 units to 1978 and 2 to 1977, lists 792 heated square feet, two bedrooms and two baths on each, and counts no unit built in 2023 or later.

Just value beside price

For the county’s six qualified deeds of the last 12 months, at $400,000 to $500,000, the just value was 15.7 to 19.6 percent of the recorded price. Against the $450,000 MLS median it is 17.4 percent. We state the gap and do not explain it, because the roll does not say how the figure was set. The Property Appraiser can.

What it means for a seller and for a buyer

For a seller, the number to use is the recent price of the same floor plan, not the figure on the tax notice. For a buyer, a low roll value today is not a low tax bill tomorrow: a sale resets what the county assesses, so the first bill after a purchase follows the new assessment and not the seller’s old one.

What a buyer’s tax looks like

At the 2026 applied millage of 13.3108 for the Town of Fort Myers Beach district (13.4329 in 2025; Lee County Property Appraiser book printed October 9, 2026), a $450,000 assessed value would carry $5,989.86 in ad valorem tax before exemptions and non-ad valorem charges. The same millage on the roll’s $78,375 just value is $1,043.23. The Tax Collector’s bill, not our arithmetic, is what you owe.

Smugglers Cove vs The Privateer: How Do the Records Compare?

Smugglers Cove and The Privateer are Gulf-side condominiums about 1.2 miles apart on Estero Boulevard with nearly matching 60-month MLS records, 13 closings at a $450,000 median and 14 at $487,500. They differ in what is sold: 792 square foot units in six-story buildings against larger units in buildings of up to three stories.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

The two condominiums side by side

The Privateer, at 6500 Estero Boulevard, is the closest match on the island in sales count and window.

Measure Smugglers Cove The Privateer
Street address 5100 Estero Blvd 6500 Estero Blvd
Built, by the county roll 1977 and 1978 1967 and 1968
Structure Two buildings of 6 stories, 84 units Buildings of up to 3 stories, 48 units
Heated area on the roll 792 square feet on every unit 904 to 1,055 square feet, median 1,055
County median just value $78,375 $304,151
MLS closings, 60 months 13, median $450,000 14, median $487,500
MLS price range, 60 months $380,000 to $789,000 $300,000 to $860,000
Median price per square foot, 60 months $568 $462
Median days on market, 60 months 29 61
Median sale-to-final-list, 60 months 93.2% 96.0%
MLS closings since January 2023 9, from $380,000 to $500,000 7, from $300,000 to $499,950
MLS closings, last 12 months 3 4
Active and pending, October 7, 2026 None 2 active, 1 pending
County qualified deeds, 60 months 12, median $460,000 8, from $325,000 to $600,000
Listing-entered annual fees (not verified) $6,200 to $19,220 on 13 closings $7,200 to $12,004 on 14 closings
FEMA flood map at the tested street addresses AE, base flood elevation 12 feet VE, base flood elevation 12 feet

Both buildings show the same break after 2022. The Privateer’s seven closings since January 2023 ran from $300,000 to $499,950 and the median of these 7 closings is $340,000, for units a third larger than a Smugglers Cove unit. Smugglers Cove’s nine ran from $380,000 to $500,000.

Which comparable to use

A Smugglers Cove owner should not price from a Privateer sale. The units differ in size by 112 to 263 square feet, the buildings differ in age by about a decade and in height by three stories, and the tested street points sit in different flood zones. The Privateer is useful as competition: on October 7, 2026 a buyer could tour two listed units there, at $475,000 and $889,000, and none at Smugglers Cove.

How Do Smugglers Cove Values Compare With the Rest of Fort Myers Beach?

Smugglers Cove sits in the lower half of Fort Myers Beach condominium prices and near the top in price per square foot. Its 60-month MLS median of $450,000 on 13 closings is below Ocean Harbor at $670,000 and Sandarac at $650,000 and above Bay Village at $218,750, and each row uses its own window.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

The benchmark table

Windows differ because sale counts differ: each row’s window is the first of 12, 24, 36 or 60 months to hold at least 10 closings. Compare a median only with its own window and sample size. The county column is the Property Appraiser’s qualified series and is never mixed with the MLS.

Node Kind Residential parcels Year built MLS closings 12 mo MLS closings 60 mo MLS publish window MLS median $/sq ft (same window) Active+pending 2026-10-07 County-qualified (publish window)
Smugglers Cove condo 85 1977 to 1978 3 13 60 mo: n 13, median $450,000, range $380,000 to $789,000 568.0 0 60 mo: n 12, median $460,000
The Privateer condo 49 1967 to 1968 4 14 60 mo: n 14, median $487,500, range $300,000 to $860,000 462.0 3 60 mo: n 8, median $475,000
Ocean Harbor condo 151 1991 to 1992 5 23 36 mo: n 15, median $670,000, range $451,250 to $1,212,000 493.0 3 36 mo: n 16, median $697,500
Sandarac condo 183 1976 to 1979 6 31 24 mo: n 15, median $650,000, range $377,000 to $900,000 500.0 13 24 mo: n 13, median $640,000
Gullwing Beach Resort condo 67 2000 to 2000 4 29 36 mo: n 11, median $860,000, range $675,000 to $2,000,000 547.0 2 36 mo: n 12, median $830,000
Bay Village condo 110 1981 to 1983 10 16 12 mo: n 10, median $218,750, range $168,000 to $255,000 248.0 1 12 mo: n 10, median $216,250
Windward Point condo 92 1982 to 1982 1 15 60 mo: n 15, median $430,000, range $300,000 to $550,000 486.0 2 60 mo: n 10, median $424,500
Leonardo Arms condo 183 1969 to 1971 5 16 24 mo: n 11, median $424,000, range $297,000 to $510,000 477.0 8 24 mo: n 12, median $402,000
Estero Cove condo 180 1985 to 1989 9 29 24 mo: n 14, median $341,500, range $270,000 to $400,000 423.0 7 24 mo: n 15, median $325,000
Carlos Pointe condo 105 1981 to 1981 6 22 60 mo: n 22, median $563,500, range $390,000 to $1,050,000 579.0 3 60 mo: n 12, median $535,000
Riviera Club condo 82 1981 to 1981 1 13 60 mo: n 13, median $755,000, range $585,000 to $1,112,500 691.0 4 60 mo: n 8, median $752,500
Bella Lago condo 60 2006 to 2006 1 15 60 mo: n 15, median $625,000, range $505,000 to $895,000 393.0 0 60 mo: n 11, median $525,000

Parcel counts include common-element parcels: Smugglers Cove is 84 units plus one, The Privateer 48 plus one and Gullwing Beach Resort 66 plus one. The Sandarac row includes two single-family sales that share the name, and its own guide reads 13 condominium closings at a $640,000 median for the same window.

What the table shows

Smugglers Cove and Bella Lago are the only two rows with nothing active or pending. Smugglers Cove’s $568 per square foot is higher than every row except Carlos Pointe at $579 and Riviera Club at $691, and the reason is arithmetic: a 792 square foot floor plan divides the price into fewer feet. On whole price it sits between Windward Point at $430,000 and The Privateer at $487,500, the two nearest rows that also needed the full 60 months to reach 10 sales.

How to use the table

Read your own row first, then the buildings a buyer is likely to tour on the same trip: Ocean Harbor, about 0.4 miles away, Sandarac, Windward Point, Leonardo Arms and Riviera Club. Windward Point owners have our Windward Point home valuation page. Across ZIP 33931 the MLS shows 397 closings in the last 12 months at a median of $510,000. Our Fort Myers Beach home valuation page covers the island.

What Will You Net When You Sell a Smugglers Cove Condo?

On a $450,000 Smugglers Cove sale, the seller’s customary Lee County costs are deed stamps of $3,150.00 and an owner’s title policy of about $2,325, before commission. A worked sheet at a 5 percent commission illustration nets about $421,500 before any mortgage payoff. Commission is negotiable, and the contract controls every split.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026; Lee County Property Appraiser roll file October 4, 2026)

The Lee County custom

In Lee County the seller customarily pays the owner’s title insurance policy and the documentary stamp tax on the deed, which is $0.70 per $100 under Florida Statute 201.02. These are customs, not law, and the contract controls. The buyer customarily pays the lender’s title policy, the loan charges and the recording fees.

Two worked net sheets

Line At $450,000, the 60-month median and the price of four closings At $500,000, the highest MLS closing since January 2023
Sale price $450,000.00 $500,000.00
Deed documentary stamp tax, $0.70 per $100 minus $3,150.00 minus $3,500.00
Owner’s title policy, promulgated rate estimate minus $2,325.00 minus $2,575.00
Brokerage commission, 5 percent illustration (negotiable) minus $22,500.00 minus $25,000.00
Property tax credit to buyer, 180-day illustration minus $514.47 minus $514.47
Estimated proceeds before payoff, estoppel and other charges $421,510.53 $468,410.53

The title premium uses the state’s promulgated owner’s policy rates, $5.75 per $1,000 up to $100,000 and $5.00 per $1,000 from $100,000 up to $1,000,000, and is an estimate before rounding and credits. The 5 percent commission is a figure for arithmetic only, and each percentage point is $4,500 on a $450,000 sale. The tax line is an illustration: the roll’s $78,375 just value at the 2026 applied millage of 13.3108 is $1,043.23 a year before exemptions, and 180 days of a 365-day year is $514.47. The title company’s method controls.

What the sheet leaves out

It leaves out your mortgage payoff, any estoppel certificate fee, the municipal lien search, association charges and prorated dues, any assessment due at closing, concessions, and any income tax on gain. Statute 718.116 governs the estoppel certificate and caps its fee, and your closing agent will itemize the rest.

Want a Free In-Person CMA for Your Smugglers Cove Condo?

Yes. An in-person comparative market analysis lets us see the floor, view, condition and updates that no public record shows, and it turns a range into a recommended list price for your Smugglers Cove condo. With every unit the same size, the walk-through is where the price is decided. Call Jesse direct at (239) 898-6072.

What an in-person CMA includes

Jesse McGreevy runs every in-person CMA himself, part of how McGreevy and Comisar have stayed Top 1% Real Estate Agents Nationally Since 2008. It includes a walk-through, a review of your windows, doors, permits and association documents, the MLS closings and county deeds we selected with our adjustments to each, the listings in other buildings you would compete with, a recommended list price and an estimated net sheet.

No obligation, and confidential

A valuation is useful well before a sale: for estate planning, an insurance review, a refinance or a trust or probate decision. Request your free Smugglers Cove condo valuation or call Jesse at (239) 898-6072. If you are thinking of selling, our guide to selling a condo in Smugglers Cove walks through the process, and if you are buying, Marc takes your call at (239) 287-5873.

What We Could Not Verify About Smugglers Cove in Fort Myers Beach

We could not verify the items below from a primary source, so this page makes no claim on them. Each names the document or office that settles it.

  • The property’s operating status. Two websites tied to the property showed closure notices on October 7, 2026, and we found no dated official statement. A written statement from the association settles it.
  • The association’s budget, assessments and reserves. Listing-entered fees are not verified, and the $19,220 entry is unexplained. The budget and an estoppel certificate settle them.
  • Rental and pet rules. None is published. The declaration at Official Records Book 1225, Page 555 and the current rules govern.
  • Milestone inspection and reserve study status. We computed the statutory dates from the roll and state no status. The association’s records and the state’s reporting page settle it.
  • Damage and repair history after Hurricane Ian. We found no association or government document describing it. The association’s minutes and the Town’s permit history settle it.
  • Why every unit carries a $78,375 just value. The roll does not say. The Lee County Property Appraiser settles it.
  • Why ten priced deeds are coded unqualified. The sale file gives no reason. The Property Appraiser settles it.
  • Insurance premiums. We found none from a primary source. An independent insurance agent can quote by address.
  • Whether either building sits seaward of the coastal construction control line. A line segment lies within about 100 meters of the center point. The Florida Department of Environmental Protection settles it.
  • Your own 2026 tax bill. The rate here is the 2026 applied millage of 13.3108 from the county’s printed book; the Lee County Tax Collector’s bill settles your own figure.

Frequently Asked Questions, Smugglers Cove Home Value Edition

These answers come from the Southwest Florida MLS, the Lee County Property Appraiser, federal, state and county agencies and Florida law, as of October 7, 2026. Where a fact is not published, we say so. Call Jesse direct at (239) 898-6072 for a range on your own Smugglers Cove condo in Fort Myers Beach.

How much is my Smugglers Cove condo worth?

It is worth what the same floor plan recently sold for, adjusted for floor, view and condition. The nine MLS closings since January 2023 ran from $380,000 to $500,000, and the three of 2026 were $442,000, $450,000 and $450,000.

What is the median sale price at Smugglers Cove?

The median is $450,000 for the 13 Southwest Florida MLS closings in the 60 months to October 7, 2026, the first window with 10 or more sales. The county’s 12 qualified deeds in the same 60 months have a median of $460,000.

What is the price range of recent Smugglers Cove sales?

Over five years the MLS range is $380,000 to $789,000. Since January 2023 it is $380,000 to $500,000 in the MLS, and $380,000 to $509,000 across all 18 priced county deeds.

Are Smugglers Cove condo prices going up or down?

The record cannot say. No 12-month period holds 10 MLS closings. Four 2022 sales ran $720,000 to $789,000 and nine since ran $380,000 to $500,000, and we draw no forecast from three sales a year.

How many Smugglers Cove condos sold in the last 12 months?

The MLS recorded 3 closings, for $1,342,000 in total. The county’s qualified file lists 6 deeds in its last 12 months, a separate count that includes three sales the MLS does not hold.

Why do the MLS and the county show different sales?

They are different records. The MLS holds marketed sales that agents report, and the county holds recorded deeds. Of 22 priced county deeds in five years, 13 match an MLS closing and 9 do not.

How long does a Smugglers Cove condo take to sell?

The median of the 13 closings is 29 days on market, with a range of 0 to 322. The three 2026 closings took 4, 29 and 84 days, and the four 2024 closings took 163 to 322.

What percent of the asking price do sellers get?

The median sale was 93.2 percent of the final list price over 60 months. Eleven of 13 sold below it, two at it and none above. The nine closings since January 2023 ran from 72.4 to 98.2 percent.

How many Smugglers Cove condos are for sale now?

None. On October 7, 2026 the MLS showed no active and no pending Smugglers Cove listing. The next owner to list will have the only unit of this floor plan on the market.

Do the 2022 prices help value my condo today?

No. The four 2022 closings, at $720,000 to $789,000, sit at least $220,000 above every MLS closing since. A buyer’s appraiser will use the recent sales, and so do we.

Does Building A sell for more than Building B?

The record does not show it. Since January 2023 the county’s priced deeds ran $380,000 to $509,000 on 8 Building A deeds and $400,000 to $500,000 on 10 Building B deeds. The ranges overlap.

Does a higher floor sell for more at Smugglers Cove?

Not measurably. The same 18 deeds split six to a band: $380,000 to $509,000 on floors 1 and 2, $400,000 to $480,000 on floors 3 and 4, and $422,000 to $500,000 on floors 5 and 6.

What is the price per square foot at Smugglers Cove?

The 60-month MLS median is $568 per square foot, from $480 to $996. Every unit is 792 square feet, so the figure only restates the price. It runs high against other buildings because the floor plan is small.

How big are the units at Smugglers Cove?

Every unit is 792 heated square feet with two bedrooms and two baths, on the county roll and on all 13 MLS closings. The two buildings hold 42 units each, seven on each of six floors.

Is my condo’s Lee County just value what it is worth?

No. The roll carries $78,375 on every unit, about 17.4 percent of the $450,000 median sale. Just value is the county’s figure for tax purposes, and we do not know why it is uniform here.

Why does an online estimate differ from a professional valuation?

An online estimate works from public fields that mislead here: one roll value on every unit, ten deeds coded unqualified, seven sales missing from the MLS and no listings. It cannot see floor, view, condition or documents.

What does a free valuation from McGreevy and Comisar include?

A value range built from sales of the same floor plan in both records, with dates, prices, buildings and floors, plus the fee, flood and document facts buyers weigh and a net sheet at Lee County custom.

How do condo fees affect the value of my unit?

A buyer prices the yearly cost with the price. Listing-entered annual recurring fees ran from $6,200 to $19,220 on 13 closings, and $10,592 to $10,636 on the three 2026 closings. These entries are not verified.

What is the $19,220 fee entry?

We do not know. It is one July 2024 listing entry whose quarterly fee totals $8,396 a year, leaving $10,824 unlabeled. An estoppel certificate from the association states what is actually owed on a unit.

Is Smugglers Cove open?

We could not confirm it. Two websites tied to the property showed closure notices on October 7, 2026, and neither is a dated official statement. Ask the association in writing what is open and what work is under way.

Will the closure notices affect my price?

They can, because a buyer will see them and a lender may ask. A dated written statement from the association about the pool, the office and any repair work, handed over with the documents, answers the question before it costs you.

What documents must I give a Smugglers Cove buyer?

Under Florida Statute 718.503 a resale seller delivers the declaration, articles, bylaws and rules, the latest budget and financial statement, the milestone inspection summary where one applies, the structural integrity reserve study or a statement that none exists, and the questions-and-answers document.

How long does a buyer have to cancel?

A resale buyer may cancel within 7 days, not counting weekends and legal holidays, after the contract and the documents. Where a milestone inspection summary, turnover report or reserve study applies, the window is 15 days. Statute 718.503 states both periods.

Do milestone inspections and reserve studies affect the price?

They can. Both six-story buildings date to 1977 and 1978, so by computation the first milestone inspection was due before December 31, 2024 and the reserve study by December 31, 2025. We state no status for either building.

Does the flood zone affect what my condo is worth?

It affects what a buyer pays to insure it. The FEMA flood map indicates Zone AE at 12 feet at the street addresses and Zone VE at 14 feet at the center point. An elevation certificate settles the reading for a building.

Can the next owner rent the condo?

Rental terms are not published. The declaration at Official Records Book 1225, Page 555 and the association’s current rules govern, and the Town of Fort Myers Beach runs a short-term rental registration program. A buyer prices what the written rules allow.

What will I net when I sell a Smugglers Cove condo?

On a $450,000 sale, deed stamps are $3,150.00 and an owner’s title policy about $2,325. With a 5 percent commission illustration of $22,500 and a $514.47 tax credit, proceeds are about $421,511 before payoff and association charges.

Who pays closing costs in Lee County?

By custom the seller pays the owner’s title policy and the deed’s documentary stamp tax, and the buyer pays the lender’s title policy, loan charges and recording fees. These are customs, not law, and the contract controls.

How much are doc stamps on a Smugglers Cove sale?

The documentary stamp tax on the deed is $0.70 per $100 under Florida Statute 201.02, customarily paid by the seller. That is $3,150.00 on a $450,000 sale and $3,500.00 on a $500,000 sale.

Do I pay capital gains tax when I sell my condo?

It depends on your gain, your ownership and use, and your filing status. The IRS excludes up to $250,000 of gain, or $500,000 for qualifying joint filers, on a main home. A second home or rental does not qualify. Ask your tax adviser.

How are property taxes figured for the buyer?

The Town of Fort Myers Beach district’s 2026 applied millage is 13.3108 (13.4329 in 2025), so a $450,000 assessed value carries $5,989.86 before exemptions and non-ad valorem charges. A sale resets the assessment.

Which government covers Smugglers Cove?

The Town of Fort Myers Beach, incorporated December 31, 1995. The county roll places all 85 parcels in the Town’s taxing district, so permits, flood rules, rental registration and the Town millage come from the Town.

Is this the Smugglers Cove mini golf?

No. That is an unrelated adventure-golf brand. This page covers only the two condominium buildings at 5100 Estero Boulevard in Fort Myers Beach, Florida 33931, governed by Smugglers Cove Condominium Association, Inc.

What did Hurricane Ian do to sales here?

The last MLS closing before Ian was September 27, 2022 at $727,500, one day before landfall. The next was September 29, 2023 at $500,000, 367 days later. The record shows what closed, not why.

Should I price at $450,000 or higher?

Start from the nearest recent sale of your floor plan. Four of the last nine MLS closings were exactly $450,000, and the unit listed at $450,000 in 2026 sold in 29 days. Units listed above $510,000 in 2024 took 163 to 322 days.

How do I get a valuation of my Smugglers Cove condo?

Enter your address in the valuation form on this page, request a free valuation, or call Jesse direct at (239) 898-6072. We send a range, the sales behind it and a net sheet.

What Owners Say About Working With Us

Southwest Florida clients describe McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, as knowledgeable and responsive, and the four genuine five-star Google reviews below, from clients across Southwest Florida, say so word for word.

Jesse McGreevy is a top-reviewed Fort Myers Beach listing agent, and Marc Comisar is a top-reviewed Fort Myers Beach buyer’s agent. You can read every review in full on our Google Business Profile. We publish no aggregate rating.

★★★★★ “We had been on the market for several months with no offers. When we signed with Marc our house was sold in 2 weeks. He has a unique system for selling homes.” Verified Google review

★★★★★ “Marc’s knowledge of the Southwest Florida real estate market is unmatched. He took the time to understand exactly what I was looking for in a home and quickly identified properties that checked all my boxes.” Verified Google review

★★★★★ “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

★★★★★ “Jesse and his team were the most professional and communicative people throughout the entire process! Always available and helpful! Highly recommended!” Verified Google review

Why Does a Fort Myers Beach Specialist Matter When You Value Your Home?

A Fort Myers Beach specialist matters when you value your Smugglers Cove condo because this building’s sales are split between two records, its roll value says nothing about price, and its units are identical in size. A specialist reads both records, the documents and the flood layers before quoting a range.

McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, read what the other side will read. A buyer’s agent, lender and insurer will read your estoppel certificate, your building’s flood zone and the county roll, and a seller who has read them first sets a price that survives the contract period. Read our Fort Myers Beach seller page for the island’s process and our Fort Myers Beach buyer page if you are on the other side of a sale.

Thinking of Selling Your Smugglers Cove Condo? Start With the Right Number

If you are searching for a Smugglers Cove listing agent, McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, price from sales of your own floor plan in your own two buildings. The MLS recorded 3 Smugglers Cove closings in the last 12 months and no unit is listed today, so the next owner to sell should call us first.

If you are thinking, “I need someone to sell my condo in Fort Myers Beach,” McGreevy and Comisar helps owners price, market, negotiate and sell with a local strategy built for Fort Myers Beach, Bonita Springs, Estero, Naples, Fort Myers, Lee County and Collier County. Whether you own in Building A or Building B, our team provides local market guidance, professional listing exposure and a clear plan to help you sell confidently. Our Smugglers Cove seller page walks through the process.

Enter your address in the Home Valuation form at the top of this page for your free Smugglers Cove condo valuation, read how we sell Smugglers Cove condos, or talk to Jesse direct. Call Jesse direct at (239) 898-6072, text or call. Confidential conversations welcome. Buying at Smugglers Cove instead? Call Marc at (239) 287-5873 or read our guide to buying a home in Fort Myers Beach.

Your Local Real Estate Experts

Jesse McGreevy is a top-reviewed Fort Myers Beach listing agent and Marc Comisar is a top-reviewed Fort Myers Beach buyer’s agent; you can read every review in full on our Google Business Profile. We work from our Bonita Springs office at 24031 S Tamiami Trl #101, Bonita Springs, FL 34134 and list and sell Smugglers Cove condos and other Fort Myers Beach properties.

For more on the island, read our Fort Myers Beach guide and read about McGreevy and Comisar.

  • 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.

Follow our Southwest Florida sales on Facebook and YouTube.

McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more about our team at DomainRealtyGroup.com. See how we represent buyers or contact us.

Sources and Authoritative References

Every figure and rule on this page traces to a source below. We cite no brokerage, listing or automated-valuation site. All links were accessed October 7, 2026.

Data sources

  • Southwest Florida MLS (Matrix), closed, active and pending condominium listings for Smugglers Cove, ZIP 33931, pulled October 7, 2026.
  • Lee County Property Appraiser, parcel roll file of October 4, 2026 and sale data files, for all 85 Smugglers Cove parcels.
  • Florida Division of Corporations record for Smugglers Cove Condominium Association, Inc., document 739942, filed August 18, 1977, read October 7, 2026.
  • Lee County Official Records Book 1225, Page 555, the recorded declaration cited in the roll’s legal descriptions.
  • RealTrends Verified 2026, Large Team rankings for McGreevy and Comisar, as reported to us.

Linked sources, accessed October 7, 2026

  1. Florida Statute 718.503, condominium resale disclosure
  2. Florida Statute 718.116, assessments and estoppel certificates
  3. Florida Statute 718.112, bylaws and reserve studies
  4. Florida Statute 718.111, association records
  5. Florida Statute 553.899, milestone inspections
  6. Florida Statute 201.02, documentary stamp tax on deeds
  7. Florida Statute 509.032, public lodging regulation
  8. Florida Statute 627.351, Citizens Property Insurance
  9. Florida Statute 689.302, seller flood disclosure
  10. Florida Statute 689.261, property tax disclosure
  11. Florida Statute 28.24, recording fees
  12. Florida Department of Revenue, documentary stamp tax
  13. Florida Department of Revenue, property tax information for taxpayers
  14. Florida Administrative Code Rule 69O-186.003, title insurance rates
  15. Florida Department of Financial Services, title insurance overview
  16. Florida Office of Insurance Regulation, wind mitigation resources
  17. Florida DBPR, condominium public records
  18. Florida DBPR, structural integrity reserve study reporting
  19. Florida Division of Corporations, Sunbiz
  20. Florida DEP, Hurricanes Ian and Nicole beach report
  21. Florida DEP, coastal construction control line program
  22. Lee County Property Appraiser
  23. Lee County Property Appraiser, parcel search
  24. Lee County Property Appraiser, sale data files
  25. Lee County Property Appraiser, 2025 taxing district millage book
  26. Lee County Property Appraiser, 2026 taxing district millage book, printed October 9, 2026
  27. Lee County Property Appraiser, 2025 DR-420 certification of taxable value
  28. Lee County Property Appraiser, hazard and flood zone map service
  29. Lee County Tax Collector, property taxes
  30. Lee County Clerk, requirements for recording deeds
  31. Lee County, adopted solid waste rates
  32. Lee County Department of Transportation
  33. Lee County DOT, Big Carlos Pass Bridge ribbon-cutting release
  34. Lee County school district, school zones
  35. Lee County school district, 2026-27 student enrollment plan
  36. Lee County GIS, school proximity zones service
  37. FEMA National Flood Hazard Layer service
  38. FEMA, Risk Rating 2.0
  39. FEMA, increased cost of compliance coverage
  40. National Hurricane Center, Hurricane Ian report
  41. U.S. Geological Survey, Hurricane Ian high-water marks
  42. Citizens Property Insurance, flood requirement
  43. Internal Revenue Service, Publication 523, Selling Your Home
  44. Town of Fort Myers Beach, short-term rentals
  45. Town of Fort Myers Beach, short-term rental opt-out list 2026
  46. Town of Fort Myers Beach, projects around town
  47. Town of Fort Myers Beach, FEMA 50 percent rule
  48. Town of Fort Myers Beach, National Flood Insurance Program
  49. Town of Fort Myers Beach, about your tax bill
  50. Town of Fort Myers Beach, sea turtles
  51. Town of Fort Myers Beach, Build Responsibly flyer
  52. Town of Fort Myers Beach, utilities
  53. Town of Fort Myers Beach, elevation certificates
  54. Town of Fort Myers Beach, code of ordinances
  55. Fort Myers Beach Fire Control District, contact page
  56. Fort Myers Beach Public Library
  57. WGCU, new Big Carlos Pass Bridge opens to traffic
  58. WGCU, parking closures at Bonita and Fort Myers Beach
  59. WGCU, new Town Hall opens
  60. WGCU, FEMA confirms Class 5 rating
  61. WGCU, unincorporated Lee keeps flood discount
  62. Fort Myers Beach Talk, School Board transfers the elementary school

Downloadable Documents

These are the public primary documents behind the price, tax, closing-cost, rental and storm sections of this page, each linked to the agency that issues it.

Market data from Southwest Florida MLS, pulled October 2026. McGreevy and Comisar, What Is My Smugglers Cove Home Worth? Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.