Aerial view of Estero Island in the Town of Fort Myers Beach, Florida, the barrier island where the Bay Beach condominiums sit on the bay side.

Bay Beach

Bay Beach is a bay-side community of nine condominiums and six smaller buildings on Bay Beach Ln, Lenell Rd and Island Pines Way in Fort Myers Beach, built 1976 to 2023. Call McGreevy and Comisar, (239) 898-6072.

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

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

Bay Beach on Estero Island: 1,411 Condominium Units on the Bay Side of Fort Myers Beach

Bay Beach is the cluster of bay-side condominium communities on the south half of Estero Island, inside the Town of Fort Myers Beach, Florida 33931. It is not a single association. It is nine condominiums with their own seller and valuation pages on this site, six smaller buildings that share the same streets, and a Lee County roll that counts 1,755 residential parcels, of which 1,411 are condominium units. Every parcel sits in the Town of Fort Myers Beach taxing district, so Town rules, Town millage and the Town’s flood program apply to all of it.

Most of Bay Beach runs along Bay Beach Lane, on the bay side of Estero Boulevard, about four and a half to five miles by road south of Times Square. Lenell Road, Island Pines Way and Bella Lago Drive carry the rest. The bay side matters: these buildings face Estero Bay and the canals and docks that serve them, not the Gulf, and that shapes the price, the boating and the storm story told below.

We wrote this overview as the front door to all fifteen buildings. If you are weighing Bay Beach against the Gulf-front resort end of the island, read our Pink Shell Beach Resort guide next to this one. If you already know the building, jump to its section below, which links its own page on this site. Every number on this page carries its source and its date, and where two sources disagree we print both.

Where Bay Beach is, precisely

The streets are Bay Beach Lane (1,160 residential parcels on the roll), Island Pines Way (114), Lenell Road (110), Bella Lago Drive (60), Estero Boulevard (18) and Lake Valencia Court (13). The roll also names two streets, Boat Dock (144 parcels) and Boat Slip (119 parcels), that are not roads at all: they are the county’s way of recording individually owned dock and slip rights. The next section explains why that matters when you read a parcel count.

Which government governs Bay Beach

All 1,755 residential parcels are in the Town of Fort Myers Beach taxing district, and the roll carries the Town’s zoning flag on them. That means Town building, permitting and short-term rental rules, not unincorporated Lee County rules. It also means the district’s 2026 applied millage of 13.3108, down from 13.4329 in 2025, applies to every figure on this page that mentions a tax bill. Mailing addresses use Fort Myers Beach, Florida 33931.

Other places that share the name

Bay Beach is a crowded phrase. Searches turn up bay beaches on other islands, in other states and in other parts of Lee County. Bella Lago here is not Belle Lago in Estero, and Casa Marina and Captains Bay are names that other Florida condominiums also use. When this page says Bay Beach, it means the streets listed above on Estero Island.

Quick reference, Bay Beach

Item

Bay Beach, as the records show

Residential parcels (Lee County roll file October 4, 2026)

1,755, all in the Town of Fort Myers Beach taxing district

Parcel mix

1,411 condominium unit parcels, 317 dock, slip and other miscellaneous parcels, 27 common-element parcels

Year built (improved parcels)

1976 to 2023, median 1996; 58 parcels built in 2023 or later, all in one building

Stories

Up to 11

Heated area, condominium units

811 to 3,683 square feet

Median just value, condominium units

$376,228 (roll figure, not a sale price)

Associations

Nine condominiums with their own pages here, six smaller buildings below, and no area-wide master association found

Water

Bay side, canals and docks; some buildings have boat cooperatives

FEMA flood map at the tested addresses

VE with a base flood elevation of 12 feet at three Bay Beach Lane addresses; AE at 11 feet on Island Pines Way

Evacuation zone

A

Schools

Elementary zone T, middle zone MM, high school South Zone 4 (confirm by address)

Taxing district and 2026 applied millage

Town of Fort Myers Beach, 13.3108 mills (13.4329 in 2025)

ZIP code

33931

MLS closings, 12 months to October 7, 2026

61, median $425,000

Listings re-checked October 29, 2026

54 active from $235,000 to $3,059,000, 5 pending

Why McGreevy and Comisar Are the Best Realtor for Bay Beach

If you’re searching for the best realtor for Bay Beach in Fort Myers Beach, Florida, whether you’re ready to sell your Bay Beach home or buy your next one, McGreevy and Comisar is the team that delivers. We lead Domain Realty Group, the #1 real estate team in Southwest Florida since 2012, Top 1% Nationally since 2008, with over $2.5 billion sold as a team and $900 million in personal sales between Jesse and Marc.

Recent Bay Beach track record (12 months to October 7, 2026): The Southwest Florida MLS, pulled October 7, 2026, shows 61 Bay Beach closings in the 12 months to that date, with a median sold price of $425,000, a range from $260,000 to $2,200,000 and a median of 93.8% of the final list price. The highest-priced sale of the window was $2,200,000, in the newest building on Bay Beach Lane. We tracked every one of those 61 closings for this page. As a team, RealTrends Verified 2026 lists Domain Realty Group in the Large Team category with 241 sides and $157.57 million in volume, ranked #1 in Bonita Springs, #5 in Florida by sides and #11 by volume.

Honors and recognition:

  • 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

Selling your Bay Beach home? Get a free home valuation at mcgreevyandcomisar.com/home-valuation-bay-beach-fort-myers-beach OR call Jesse direct at (239) 898-6072. Our guide to selling a home in Bay Beach has the closed sales, the costs and the documents.

Buying a home in Bay Beach? Call Marc at (239) 287-5873 for a personalized buyer consultation, and see how we help buyers in Fort Myers Beach or read about buying with McGreevy and Comisar.

Jesse McGreevy is a top-reviewed Fort Myers Beach realtor. Read the five-star reviews on Google.

If you are comparing agents before you narrow to one building, our comparison of the best real estate agents in Fort Myers Beach explains how we work and what we measure.

What Is It Like to Live in Bay Beach as a Homebuyer?

Living in Bay Beach means a condominium on the quiet bay side of Estero Island, with a community pool in most buildings, a dock or slip in some, and a short drive to the Gulf beaches. The trade is storm exposure, layered association rules and a resale market where document quality decides price.

Our guide to buying a home in Fort Myers Beach covers the process; this page covers the place.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

What the day-to-day looks like

Most Bay Beach buildings are mid-rise or high-rise condominiums, and the roll flags a pool on 1,067 of the 1,411 condominium unit parcels. The 61 closings of the 12 months to October 7, 2026 ranged from 997 to 2,923 square feet of living area, with a median of 1,224 square feet, and the largest homes are in the newest building. The commercial strip is a few miles north on Estero Boulevard, which keeps the bay side residential.

What Bay Beach offers

Bay Beach offers a Fort Myers Beach address without the price of Gulf frontage. The condominium model puts the roof, the exterior and the grounds with the association, which matters to an owner who is away for months at a time. Several buildings have docks or boat cooperatives. The median of $359 per square foot in the 12 months to October 7, 2026 is shown against the island’s other communities in the benchmark table later on this page.

What to check harder before buying

A firm rental income number takes more work here. Rental and pet rules are set by each association’s recorded declaration and current rules, and we found no association rules published online for any Bay Beach building. A purchase with a mortgage takes more work too, because older mid-rise condominiums face milestone inspection and reserve study requirements that lenders read closely. A Gulf view is found on the Gulf side of the island, not here.

The four document requests every Bay Beach buyer should make

Before you make an offer, ask for the current budget, the most recent reserve study or the statement that none is complete, the milestone inspection summary where the building’s age requires one, and the estoppel certificate with any transfer or approval fee. Under Florida Statute 718.503 the seller supplies the declaration, articles, bylaws, rules and financial statements. A buyer who reads those four documents before contract avoids most of the surprises we see.

What Have Bay Beach Homes Sold For? The Market Snapshot

Bay Beach homes sold for a median of $425,000 across 61 closings in the 12 months to October 7, 2026, with prices from $260,000 to $2,200,000 and a median of $359 per square foot, according to the Southwest Florida MLS. Those homes took a median of 99 days to sell and closed at a median of 93.8% of their final list price.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

The Southwest Florida MLS series, four windows

We pulled every Bay Beach closing in the Southwest Florida MLS for the 60 months to October 7, 2026, including closings entered as Sold Data Entry. The 12-month window holds 61 closings, which clears our floor of 10, so it leads. The longer windows are printed so a buyer can see how much the mix of buildings moves the median.

Window to October 7, 2026

Closings

Median sold price

Lowest

Highest

Median price per sq ft

Median days on market

12 months

61

$425,000

$260,000

$2,200,000

$359

99

24 months

105

$525,000

$260,000

$2,200,000

$376

89

36 months

174

$532,250

$260,000

$3,064,875

$402

65.5

60 months

334

$610,000

$260,000

$3,064,875

$440

25

The 12-month window totals $31,916,899 in sold volume. The 12-month price per square foot ranges from $225 to $753 across the 61 closings. Five of the 61 sold at exactly their final list price and none sold above it.

Why the 60-month median is higher and the days on market so short

The newest building on Bay Beach Lane, Grandview at Bay Beach, delivered 43 closings in the 60-month window. Their median days on market is 1, against a median of 33 for the other 289 closings that report days on market, and their prices run from $1,278,077 to $3,064,875. That one building lifts the 36-month and 60-month medians and pulls the 60-month days on market down to 25. Only one Grandview closing falls in the 12 months to October 7, 2026, so the 12-month window is the cleanest read of the older buildings.

The year before, for comparison

The 12 months before this window, October 7, 2024 to October 6, 2025, held 44 closings with a median sold price of $608,875 and a median living area of 1,623 square feet. The current window’s median living area is 1,224 square feet. The mix moved toward smaller, older buildings: Hibiscus Pointe had 1 closing in the earlier year and 12 in the latest, and Royal Pelican went from 1 to 6, while each window holds a single Grandview closing. Median price per square foot was $424 in the earlier year and $359 in the latest, so size alone does not explain the gap; the buildings that traded most in the latest window are also the ones that sell for less per square foot. We make no price-direction claim from the comparison, and a seller should price from the closed sales in their own building.

Where the 61 closings came from

By the MLS subdivision label, the 12 months split as follows. Waterside is 16 closings (median $675,000), Hibiscus Pointe 12 (median $375,000), The Palms of Bay Beach 10 (median $392,500), Royal Pelican 6, Captains Bay South 4, Palm Harbor Club 4, Ostego Bay II 3, Harbour Pointe 2, Casa Marina 2, Bella Lago 1 and Grandview at Bay Beach 1. We print a median only where a label has 10 or more closings. Five of the 16 Waterside-labelled closings are at 4182 Bay Beach Lane, which the county records as a different condominium; the Manatee Bay module below explains.

Price bands in the 12 months to October 7, 2026

Four of the 61 closings sold below $300,000. Twenty-six sold from $300,000 to $399,999, six from $400,000 to $499,999, seventeen from $500,000 to $749,999, six from $750,000 to $999,999 and two at $1,000,000 or more. Thirty-five of the 61 were two-bedroom homes and twenty-two were three-bedroom homes, with the other four listed with a den or four bedrooms, by the listing-entered bedroom count.

The Lee County record, kept separate

Lee County’s property appraiser keeps its own record of qualified sales, and it is a different series from the MLS. For the 12 months to the October 4, 2026 roll file, the county shows 53 qualified Bay Beach sales with a median of $410,000 and a range from $250,000 to $2,200,000. Over 24 months it shows 102 sales (median $506,500), over 36 months 163 (median $510,000) and over 60 months 262 (median $575,000). The county counts only sales it qualifies as arm’s-length, so its totals are lower than the MLS’s. We never mix the two series in one figure.

How the county roll values Bay Beach

The roll’s median just value for the 1,411 condominium unit parcels is $376,228. Just value is the property appraiser’s assessed figure for tax purposes, not a sale price and not an appraisal. It is useful as a floor for tax arithmetic and as a cross-check, and it should never be read as what a unit would sell for.

Active and pending listings on October 7, 2026

The MLS shows 53 Bay Beach listings on October 7, 2026: 49 active and 4 pending or pending with contingencies. List prices run from $289,900 to $3,059,000, with a median of $645,000 across all 53. Eleven of those listings are in Grandview at Bay Beach, listed from $1,500,000 to $3,059,000. Without them, the other 42 run from $289,900 to $1,325,000 with a median of $472,000. A list price is an ask, not a sale, so read these against the closed sales above.

A re-check of the Southwest Florida MLS on October 29, 2026 found 54 Bay Beach listings active, asking $235,000 to $3,059,000 at a median of $635,000, 12 of them not on the October 7 list, and 5 pending. Three closings were recorded after October 7: $610,000 and $1,250,000 at Waterside at Bay Beach on October 15 and $310,000 at Harbour Pointe on October 26, 2026. No closing fell between October 8 and October 29, 2025, so with those three added the 12 months to October 29, 2026 hold 64 closings at a median of $432,500.

How many months of supply does Bay Beach have?

On October 7, 2026, Bay Beach had about 9.6 months of supply on the 12-month sales pace: 49 active listings divided by 61 closings a year, or about 5.1 closings a month. For comparison, the Southwest Florida MLS shows about 11.5 months of supply across the whole ZIP 33931, with 380 active and 27 pending listings. More than six months of supply is usually described as a buyer’s market, and the number matters most to a seller choosing a list price.

As a worked example of turnover, 334 closings in 60 months, less the 21 at 4182 Bay Beach Ln, leaves 313; divided by 1,411 condominium units and 5 years, that is about 4.4 percent of units changing hands a year. It is an estimate from MLS filings, not a count of every transfer.

How big is Bay Beach in the island market?

Bay Beach’s 61 closings are 61 of the 309 closings on Estero Island in the 12 months, and 61 of the 397 in ZIP 33931. The ZIP’s median was $510,000 and Estero Island’s was $550,000, both above Bay Beach’s $425,000. Those are the Southwest Florida MLS’s town-wide figures for the same 12 months; they include Gulf-front buildings and single-family homes that Bay Beach does not have.

What Is Your Bay Beach Home Worth? Get a Free Valuation From People Who Read the Record

Request your free Bay Beach home valuation and we will come back with the nearest closed sales in your building, the adjustments for floor, view and condition, and the document gaps that could affect your price. For the wider island picture, our Fort Myers Beach home valuation page covers the Town as a whole.

Every Bay Beach Closing in the 12 Months to October 7, 2026

This table lists all 61 Southwest Florida MLS closings from October 7, 2025 through October 7, 2026, newest first. We show the street address only, not the unit, and the price per square foot is the sold price divided by the MLS living area. A buyer can use it to see what a floor plan like theirs has done.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

Closing date

Sold price

Street address

Living area (sq ft)

Price per sq ft

Days on market

October 1, 2026

$675,000

4182 Bay Beach Ln

1,848

$365

34

September 30, 2026

$260,000

4521 Bay Beach Ln

1,156

$225

309

September 22, 2026

$325,000

4421 Bay Beach Ln

1,197

$272

5

September 10, 2026

$425,000

221 Lenell Rd

1,623

$262

406

September 3, 2026

$280,000

4531 Bay Beach Ln

1,225

$229

43

September 1, 2026

$380,000

4471 Bay Beach Ln

1,197

$317

116

August 31, 2026

$600,000

4203 Bay Beach Ln

1,499

$400

175

August 18, 2026

$349,900

4511 Bay Beach Ln

1,226

$285

69

August 13, 2026

$300,000

4581 Bay Beach Ln

1,156

$260

178

July 31, 2026

$612,500

4198 Bay Beach Ln

1,224

$500

207

July 31, 2026

$445,000

4182 Bay Beach Ln

1,390

$320

16

July 31, 2026

$350,000

22700 Island Pines Way

1,073

$326

586

July 24, 2026

$520,000

150 Lenell Rd

1,394

$373

0

July 8, 2026

$465,000

150 Lenell Rd

1,394

$334

164

July 8, 2026

$390,000

4431 Bay Beach Ln

1,060

$368

72

July 7, 2026

$300,000

4431 Bay Beach Ln

1,060

$283

174

June 30, 2026

$350,000

22736 Island Pines Way S

1,073

$326

229

June 25, 2026

$965,000

4192 Bay Beach Ln

2,045

$472

25

June 25, 2026

$395,000

4253 Bay Beach Ln

1,024

$386

124

June 17, 2026

$665,000

150 Lenell Rd

1,851

$359

174

June 12, 2026

$370,000

4491 Bay Beach Ln

997

$371

392

June 10, 2026

$355,000

4571 Bay Beach Ln

1,156

$307

138

June 8, 2026

$360,000

4253 Bay Beach Ln

1,024

$352

235

May 15, 2026

$385,000

4411 Bay Beach Ln

1,197

$322

22

May 8, 2026

$545,000

281 Lenell Rd

1,623

$336

349

May 6, 2026

$389,000

4203 Bay Beach Ln

1,024

$380

109

April 30, 2026

$540,000

4183 Bay Beach Ln

1,445

$374

410

April 30, 2026

$390,000

4203 Bay Beach Ln

1,024

$381

359

April 30, 2026

$343,000

4571 Bay Beach Ln

1,226

$280

81

April 22, 2026

$505,000

7401 Bella Lago Dr

1,363

$371

30

April 21, 2026

$365,000

4491 Bay Beach Ln

1,197

$305

41

April 2, 2026

$555,000

4182 Bay Beach Ln

1,390

$399

81

March 30, 2026

$1,035,000

4192 Bay Beach Ln

2,045

$506

131

March 16, 2026

$650,000

4253 Bay Beach Ln

1,499

$434

23

March 16, 2026

$560,000

4253 Bay Beach Ln

1,024

$547

15

March 13, 2026

$312,500

4263 Bay Beach Ln

1,090

$287

177

March 12, 2026

$542,000

4341 Bay Beach Ln

1,244

$436

129

March 12, 2026

$440,000

4431 Bay Beach Ln

1,197

$368

53

February 27, 2026

$385,000

4411 Bay Beach Ln

1,197

$322

81

February 27, 2026

$395,000

4411 Bay Beach Ln

997

$396

78

February 26, 2026

$780,000

4198 Bay Beach Ln

1,224

$637

7

February 24, 2026

$550,000

170 Lenell Rd

1,717

$320

428

February 23, 2026

$484,000

4182 Bay Beach Ln

1,390

$348

481

February 19, 2026

$925,000

4192 Bay Beach Ln

2,296

$403

147

February 13, 2026

$369,000

4203 Bay Beach Ln

1,024

$360

295

February 2, 2026

$610,000

4198 Bay Beach Ln

1,639

$372

50

January 30, 2026

$480,000

4223 Bay Beach Ln

1,486

$323

281

January 29, 2026

$575,000

181 Lenell Rd

1,781

$323

0

January 29, 2026

$385,000

4203 Bay Beach Ln

1,024

$376

10

January 22, 2026

$375,000

22724 Island Pines Way

1,073

$349

22

January 16, 2026

$399,999

4331 Bay Beach Ln

1,164

$344

88

January 16, 2026

$270,000

4263 Bay Beach Ln

1,090

$248

106

January 9, 2026

$590,000

4183 Bay Beach Ln

1,445

$408

16

December 30, 2025

$975,000

4192 Bay Beach Ln

1,863

$523

99

December 19, 2025

$675,000

4182 Bay Beach Ln

1,848

$365

35

December 19, 2025

$270,000

4491 Bay Beach Ln

998

$271

61

December 10, 2025

$370,000

4421 Bay Beach Ln

1,197

$309

336

December 2, 2025

$950,000

4137 Bay Beach Ln

2,103

$452

361

November 24, 2025

$2,200,000

4142 Bay Beach Ln

2,923

$753

1

November 24, 2025

$315,000

22712 Island Pines Way

1,073

$294

4

November 12, 2025

$895,000

4141 Bay Beach Ln

1,810

$494

6

What the table shows

Forty-nine of the 61 closings are on Bay Beach Lane, seven on Lenell Road, four on Island Pines Way and Island Pines Way South and one on Bella Lago Drive. The lowest price per square foot, $225, is a Royal Pelican sale that took 309 days. The highest, $753, is the $2,200,000 Grandview sale. Sixteen closings took 30 days or fewer and sixteen took 180 days or more, so the market splits into homes priced to sell and homes that sat.

Which Bay Beach Condominiums Have Their Own Pages?

Nine Bay Beach condominiums have their own pages on this site: Waterside at Bay Beach, The Palms of Bay Beach, Hibiscus Pointe, Casa Marina, Palm Harbor Club, Royal Pelican, Harbour Pointe, Bella Lago and Captains Bay. Together they hold 1,258 units by the state’s project records.

Waterside at Bay Beach has a full guide, and each of the nine has a seller page and a home valuation page with its own recorded sales. Each entry below links the building’s seller page.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

Waterside at Bay Beach

Waterside at Bay Beach is the largest Bay Beach condominium: 286 units in five state-recorded projects, Waterside I through IV and Dolphin Pointe at Waterside (formerly Waterside V), built from 1997 to 2003 and rising to 11 stories, with a separate dock cooperative and a master association. In its guide’s 12-month window the Southwest Florida MLS shows 17 closings with a median of $675,000, a row that includes one Grandview closing and the five closings at 4182 Bay Beach Lane that the county records under another condominium. Owners can start with our guide to selling at Waterside at Bay Beach.

The Palms of Bay Beach

The Palms of Bay Beach is the oldest Bay Beach condominium: 152 units in three phases by the state’s record and 153 parcels on the roll, built from 1976 to 1978 and rising to 7 stories. In its 12-month window the MLS shows 10 closings with a median of $392,500, from $360,000 to $650,000. Owners can start with our guide to selling at The Palms of Bay Beach.

Hibiscus Pointe

Hibiscus Pointe has 184 units by the state’s record and 182 on the roll, six stories, and buildings numbered 4401 through 4491 Bay Beach Lane, built from 1992 to 1995, with its own boat cooperative. In its 12-month window the MLS shows 12 closings with a median of $375,000, from $270,000 to $440,000. Owners can start with our guide to selling at Hibiscus Pointe.

Casa Marina

Casa Marina is three condominiums of 16, 92 and 36 units, 144 in all, six stories, built from 1990 to 2001, with a separate boating association. We read it on a 36-month window because fewer than 10 closed in the 12 months to October 7, 2026: 14 closings with a median of $480,000, from $399,999 to $605,000. Owners can start with our guide to selling at Casa Marina.

Palm Harbor Club

Palm Harbor Club is a 56-unit condominium on Lenell Road, built in 2000 and 2001 and rising to 8 stories, with a pool. We read it on a 36-month window of 12 closings with a median of $642,500, from $465,000 to $1,100,000. Owners can start with our guide to selling at Palm Harbor Club.

Royal Pelican

Royal Pelican has 144 units by the state’s record and 145 on the roll, up to four stories, built from 1986 to 1991, with a separate boating association. We read it on a 60-month window of 19 closings with a median of $429,900, from $260,000 to $635,000. Owners can start with our guide to selling at Royal Pelican.

Harbour Pointe

Harbour Pointe is two buildings at 4263 and 4265 Bay Beach Lane with 140 units by the state’s record and 141 on the roll, rising to 10 stories, recorded in 1982; the county’s year-built range runs from 1982 to 1995. We read it on a 60-month window of 15 closings with a median of $470,000, from $270,000 to $850,000. Owners can start with our guide to selling at Harbour Pointe.

Bella Lago

Bella Lago is a 59-unit condominium of four-story buildings on Bella Lago Drive, built in 2006, with a pool. We read it on a 60-month window of 15 closings with a median of $625,000, from $505,000 to $895,000, and it is not the Belle Lago in Estero. Owners can start with our guide to selling at Bella Lago.

Captains Bay

Captains Bay is three condominiums, South, North One and North Two, with 93 units by the state’s record and 96 on the roll, up to five stories, built from 1994 to 1997, along Island Pines Way. We read it on a 36-month window of 11 closings with a median of $475,000, from $315,000 to $615,000. Owners can start with our guide to selling at Captains Bay.

How the nine fit together

Read in order of age, the nine run from The Palms (1976 to 1978) through Harbour Pointe and Royal Pelican in the 1980s, Hibiscus Pointe, Casa Marina and Captains Bay in the 1990s, Waterside and Palm Harbor Club around 2000, and Bella Lago in 2006. The medians for the 12 months to October 7, 2026 of two of the older groups, Hibiscus Pointe and The Palms, sit below $400,000, while the longer-window medians of two newer, smaller buildings, Palm Harbor Club and Bella Lago, sit above $600,000. Each building’s price follows its age, size and water access, so use the building’s own closed sales, not the Bay Beach median, to price a purchase.

What Are the Six Smaller Bay Beach Buildings Without a Page of Their Own?

Six smaller Bay Beach buildings share the same streets but have no guide of their own: Admirals Bay, Ostego Bay, Grandview at Bay Beach, Valencia Villas at Bay Beach, Estero Bayside and Manatee Bay at Bay Beach. Each has a short module below with its state and county records.

Jump to Admirals Bay, Ostego Bay, Grandview at Bay Beach, Valencia Villas at Bay Beach, Estero Bayside or Manatee Bay at Bay Beach.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

Admirals Bay

Admirals Bay is a 38-unit, two-story condominium on Island Pines Way, built between 1983 and 1991 by the roll’s year-built field, with a pool flag on the roll. The association is Admiral’s Bay Association, Inc., Florida document N37831, filed April 25, 1990 and active; the state recorded the project on July 9, 1990. The recorded declaration is Official Records Book 2160, Page 4478, and the roll’s legal description says the buildings were formerly the BAC Bay Health and Racquet Club. The roll has 40 parcels here, the 38 units plus two common-element parcels. The MLS shows 5 closings in the 60 months, all in 2023, from $349,000 to $389,900, every one of 811 square feet, and none in the 12 months to October 7, 2026. With five closings we publish no median.

Ostego Bay

Ostego Bay is two small condominiums on Lenell Road: Ostego Bay II with 36 units and Ostego Bay Village with 16, both with a pool flag on the roll and dock flags on Ostego Bay II. The associations are Ostego Bay II Condominium Association, Inc. (N95000005518, filed November 20, 1995) and Ostego Bay Village Condominium Association, Inc. (N93000000573, filed February 5, 1993), and a third entity, Ostego Bay Yacht Club Association, Inc. (N93000000575), is also active. The declarations are Official Records Book 2657, Page 92 for Ostego Bay II and Book 2344, Page 997 for the Village. The MLS shows 7 closings at Ostego Bay II in 60 months, from $425,000 to $790,000, and 3 in the 12 months to October 7, 2026. The Village had none in the window.

Grandview at Bay Beach

Grandview at Bay Beach is the newest Bay Beach building: 58 units in an 11-story tower at 4142 Bay Beach Lane, built in 2023. The association is Grandview at Bay Beach Condominium Association, Inc. (N23000007552, filed June 21, 2023), the state recorded 58 units on July 26, 2023, and the declaration is instrument 2023000253903. The MLS shows 43 closings in 60 months, from $1,278,077 to $3,064,875 with a median of $1,718,000, but only 1 in the 12 months to October 7, 2026, the $2,200,000 sale. Eleven units were listed on October 7, 2026, from $1,500,000 to $3,059,000, in living areas of 2,414, 2,767 and 2,923 square feet. The roll’s heated areas run 2,239 to 2,721 square feet, so the two measures differ, and the roll’s median just value is $1,409,839. The MLS files Grandview closings under the Waterside development name, which is why the Waterside guide’s row includes them.

Valencia Villas at Bay Beach

Valencia Villas at Bay Beach is a 12-unit, one-story villa group on Lake Valencia Court, built in 2006, with a pool flag on the roll. The association is Valencia Villas at Bay Beach Association, Inc. (N06000005292, filed May 15, 2006), and the declaration is instrument 2006-238341. A similarly named entity, Valencia Villas Condominium Association, Inc., is probably unrelated. The MLS shows 4 closings in 60 months, from $1,033,000 to $1,270,000, in homes of about 2,777 to 2,791 square feet. At four closings we publish no median, and it is the one Bay Beach group that is not a mid-rise.

Estero Bayside

Estero Bayside is a 45-unit, six-story condominium at 22604 and 22628 Island Pines Way, built in 2006 and 2007, with a pool flag on the roll and 46 parcels including one common-element parcel. The state recorded 45 units, and the declaration is instrument 2006-246617. The MLS shows 11 closings here in 60 months with a median of $785,000, from $665,000 to $959,000, one in the 12 months to October 7, 2026 ($785,000 on January 15, 2026) and one listing at $859,000 on October 7, 2026. Our Bay Beach totals above, both the MLS series and the county roll, leave Estero Bayside out, because our Bay Beach address filter does not capture it. The roll’s median just value for its parcels is $570,436.

Manatee Bay at Bay Beach

Manatee Bay at Bay Beach is a 58-unit, 11-story condominium at 4182 Bay Beach Lane, built in 2008, with a pool flag and a recorded declaration at instrument 2008000017101. The roll’s heated areas run 1,390 to 1,848 square feet. The MLS shows 21 closings in 60 months, 20 of them filed under the Waterside development name and one under the label Bay Beach, with prices from $445,000 to $1,050,000 and a median of $675,000, and 5 closings in the 12 months to October 7, 2026. Two units were listed on October 7, 2026. We did not capture its Sunbiz filing, so we cannot name the association from the state record. The roll also holds 59 parcels here that fall outside our Bay Beach roll counts.

Where Did Bay Beach Come From? Origins, Declarations and Associations

Bay Beach grew one condominium at a time over nearly fifty years, from The Palms in 1976 to Grandview in 2023, and we found no single developer story, area-wide master plan or area-wide association. The record is a set of separate declarations recorded at different times, each with its own association, and a few sub-masters and dock entities in between.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

The oldest buildings first

The Palms of Bay Beach Condominium Association, Inc. (Florida document 735608) filed on April 19, 1976, and the roll dates its buildings to 1976 through 1978. Harbour Pointe Condominium Association, Inc. (766271) filed December 23, 1982. Royal Pelican Association, Inc. (N15745) filed July 8, 1986, and an earlier entity, Royal Pelican Condominium, Inc. (725908), filed in 1973 and is inactive. The Admirals Bay buildings began as the BAC Bay Health and Racquet Club, which the state recorded in 1983.

The 1990s wave

Hibiscus Pointe Condominium Association, Inc. (N92000000363) filed November 17, 1992. Casa Marina’s associations date from 1990 through 2001, Captain’s Bay South, North One and North Two (N93000001381, N93000001391 and N93000000792) all filed on March 22, 1993, and the Ostego Bay entities date from 1993 and 1995. This is the decade that put docks and boat cooperatives beside condominiums on Bay Beach Lane.

Waterside, Palm Harbor Club and Bella Lago

Waterside’s first association filed in 1997 and its fifth project was recorded in 2003. Palm Harbor Club at Bay Beach Condominium Association, Inc. (N00000005193) filed August 8, 2000. Bella Lago Condominium at Bay Beach Condominium Association, Inc. (N06000000652) filed January 20, 2006, the same year as Valencia Villas at Bay Beach and the Estero Bayside declaration. Manatee Bay followed in 2008, and Grandview, filed June 21, 2023, completes the sequence.

Developer entities

The state’s records show developer-era entities for Waterside (Waterside at Bay Beach, Ltd., A94000001792) and for Hibiscus Pointe (Hibiscus Pointe at Bay Beach, Ltd., A33301, and Hibiscus Pointe Associates, Ltd., A01000000949). All three are inactive. We did not find a published history that names who assembled the land or when the name Bay Beach was first used, and we do not guess at one.

Is there a Bay Beach master association?

We found none. The only Sunbiz entity with Bay Beach in a master-style name is Bay Beach Management Association, Inc. (727732), filed in October 1973 and inactive, with no annual reports; whether it ever served the whole area we could not confirm. The closest working master is Waterside Master Association, Inc. (N97000000670), which covers Waterside. Listing agents entered a master HOA fee on 146 of the 334 Bay Beach closings, almost all in Waterside, which is consistent with Bay Beach being a cluster of separate associations with a sub-master in one of them.

The recorded declarations

Each declaration is recorded in Lee County’s Official Records, and a buyer can request the exact book and page from the clerk or from the seller’s resale package. Where the roll names the reference, we list it here.

Building

Recorded declaration reference (Lee County Official Records)

Waterside I to V

Book 2831 Page 3770 (I); Book 3050 Page 392 (II); Book 3285 Page 3640 (III); Book 3821 Page 1675 (IV); Book 4132 Page 338 (V); Waterside Dock Cooperative Book 2991 Page 929

The Palms of Bay Beach

Book 1134 Page 1461 (Phase 1); Book 1227 Page 991 (Phase 2); Book 1266 Page 1249 (Phase 3)

Hibiscus Pointe

Book 2342 Page 409; Book 2510 Page 319; Book 2566 Page 188; Book 2592 Page 2375; Boat Cooperative Book 2450 Page 260

Casa Marina

Book 2188 Page 2851 (I); Book 2671 Page 3768 and Page 3793 (II); Book 3462 Page 4450 (III); Boating Association Book 2756 Page 161

Palm Harbor Club

Book 3299 Page 695 (Phase 1); Book 3332 Page 2320 (Phase 2)

Royal Pelican

Book 1861 Page 4140; Book 1899 Page 1566; Book 1932 Page 4102; Boating Association Book 1863 Page 2733; Docks instrument 2007-20910

Harbour Pointe

Book 1650 Page 4488

Bella Lago

Instrument 2006-56131

Captains Bay

South Book 2576 Page 1724; North One Book 2526 Page 2635; North Two Book 2814 Page 2503 and Book 2848 Page 4124

Admirals Bay

Book 2160 Page 4478

Ostego Bay

Ostego Bay II Book 2657 Page 92; Ostego Bay Village Book 2344 Page 997

Grandview, Valencia Villas, Estero Bayside, Manatee Bay

Instruments 2023000253903, 2006-238341, 2006-246617 and 2008000017101

Where we read the state’s records

The Florida Department of Business and Professional Regulation keeps a public condominium file that lists each project, its unit count and its recording date, and the Florida Division of Corporations keeps each association’s filing. We read both on October 7, 2026 and print only legal names, document numbers and dates, never the names of officers or owners. Both are linked in the sources.

What Are Bay Beach Homes Like? Sizes, Stories and Years Built

Bay Beach homes are condominium units in buildings from two to eleven stories, with living areas that run from about 800 square feet in the smallest Admirals Bay units to more than 2,900 square feet in Grandview, and most resale units are two- or three-bedroom homes. The oldest were built in 1976 and the newest in 2023.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

What the roll counts

The roll shows 1,755 residential parcels: 1,411 condominium unit parcels (use code 04) built from 1976 to 2023, with heated areas from 811 to 3,683 square feet; 317 miscellaneous residential parcels (code 07), which are the 144 parcels on the street the roll names Boat Dock, the 119 on the one named Boat Slip and 52 on Bay Beach Lane; and 27 common-element parcels (code 09). Of the 1,453 improved parcels, the median year built is 1996. The 58 parcels built in 2023 or later are all Grandview.

Stories

Condominium parcels by tallest building story count: 365 parcels are in six-story buildings, 176 in ten-story buildings, 171 in four-story buildings, and the rest spread across two- to eleven-story buildings. The MLS lists the building design on closings as High Rise (172 closings), Mid Rise (141), Low Rise (18) and Villa Attached (3), by the listing agent’s entry.

Floor plans

On the closings of the 12 months to October 7, 2026, 35 homes were two-bedroom, 22 were three-bedroom, and the median living area was 1,224 square feet. Grandview’s three plans, at 2,414, 2,767 and 2,923 square feet, are the biggest by a wide margin, and the older buildings cluster between about 1,000 and 1,300 square feet.

Bay side, not Gulf side

Bay Beach buildings face Estero Bay, canals or interior courts, not the Gulf of Mexico. The Gulf is on the other side of the island, reached by driving or by the trolley. That is why Bay Beach prices sit where they do, and why a buyer who wants beach frontage should look at the benchmark comparison later on this page.

What Amenities Does Bay Beach Have?

Most Bay Beach buildings have a community pool, and several have docks or boat slips through a separate cooperative or boating association. The county roll flags a pool on 1,067 of the 1,411 condominium unit parcels, but amenity lists vary by building, and no association publishes one that we could find.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

Pools

The roll records pools at Harbour Pointe, Palm Harbor Club, Bella Lago, Admirals Bay, Ostego Bay, Valencia Villas, Estero Bayside and Manatee Bay. A pool flag is not a pool description. The roll tells us a pool is recorded on the parcel or common-element record, not how big it is, whether it is heated or how many there are. We do not list amenities from rental or listing pages, because those pages sell and the association governs.

Tennis and recreation

The only recorded tennis we found is a Captains Bay North common-element document that the roll ties to a pool and tennis court. The Admirals Bay buildings were formerly the BAC Bay Health and Racquet Club. We did not confirm tennis, fitness or clubhouse facilities for any other building from an association source.

Docks and boat slips

The roll flags a dock on 286 Waterside parcels, a dock on Harbour Pointe, and dock rights recorded as separate parcels on the streets it names Boat Dock and Boat Slip. The boat slips and docks are owned or leased in several ways, described in the boating section below.

Beach access

Bay Beach has no Gulf frontage of its own. The Town and Lee County keep public beach accesses along Estero Boulevard, and the closest large public Gulf beaches are Lynn Hall Memorial Park at Times Square and Bowditch Point Regional Park at the island’s north tip, both affected by 2026 construction described in the projects section. Lovers Key State Park is about 3.5 miles by road from Bay Beach Lane, an estimate of about 12 minutes.

What Do Bay Beach Association Fees Cover?

Bay Beach fees are set by each association, and none publishes a current budget that we could find. Listing agents entered total annual recurring fees from $3,604 to $26,588 on 61 closings in the 12 months to October 7, 2026, median $12,400, not verified; the association’s budget and an estoppel certificate govern.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

What the listing entries show, by building

Listing-entered annual recurring fees on the closings with fee entries ranged as follows (not verified; the association’s current budget and an estoppel certificate govern).

Building

Closings with fee entries

Listing-entered total annual recurring fees

Waterside at Bay Beach

138

$3,604 to $28,640

The Palms of Bay Beach

41

$6,736 to $15,912

Hibiscus Pointe

34

$5,600 to $11,600

Casa Marina

23

$5,240 to $11,000

Palm Harbor Club

19

$7,100 to $11,308

Royal Pelican

19

$6,100 to $12,400

Harbour Pointe

15

$7,856 to $18,120

Bella Lago

15

$9,264 to $13,200

Captains Bay

13

$6,096 to $10,644

Across all 334 Bay Beach closings of the 60 months, listing agents entered a median of $11,656, and the highest entry was $28,640. Some entries are $0, usually where a field was left blank, and we do not read them as a fee.

What fees typically pay for

In a Florida condominium the regular assessment pays for the association’s insurance on the building, exterior maintenance, the roof, the pool, landscaping, management, the reserve contribution and often water, sewer, trash and cable. Which of those a Bay Beach building covers differs by building, and we have not seen a budget for any of them. The estoppel certificate lists the exact items.

One-time and transfer fees

Application fees were entered as $25 to $250 on 250 closings, and transfer or capital fees as $75 to $2,500 on 127. Estoppel certificate fees are capped by statute and we do not print a dollar figure. Under Florida Statute 718.116 the association must furnish the certificate on request.

Master and dock fees are separate

Master association entries appear on 146 of the 334 closings, typically $486 to $1,000 a quarter, almost all in Waterside. Dock, slip and boat-cooperative charges are separate again, and a cooperative’s fees are governed by the cooperative’s own documents. Ask which of these a building’s total already includes.

What Are the Layered Costs of Owning in Bay Beach?

A Bay Beach home costs more than the association fee: property tax, insurance, a possible flood policy, purchase-time fees and any special assessment. At the 2026 applied millage of 13.3108, a $425,000 home carries about $5,657.09 in tax before exemptions and non-ad valorem charges.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

Worked tax example

Take the MLS median of $425,000 for the 12 months to October 7, 2026. At the Town of Fort Myers Beach taxing district’s 2026 applied millage of 13.3108 mills, according to the Lee County Property Appraiser’s 2026 Taxing District Millage Book, printed October 9, 2026, the arithmetic is $425,000 divided by 1,000 and multiplied by 13.3108, which is $5,657.09. At the 2025 rate of 13.4329 mills the same home was $5,708.98, so the 2026 applied rate is about $51.89 a year lower on that price. In 2025 the Town’s own levy was 1.0294 of those mills, or $437.50 on the same home. Those are before homestead or other exemptions and before non-ad valorem assessments. A buyer’s actual bill is driven by the property appraiser’s assessed value, not the sale price, so treat this as an illustration.

The seller pays the title policy in Lee County, and the deed stamps

Florida documentary stamp tax on a deed is $0.70 per $100 of price, under Florida Statute 201.02, which is $2,975 on a $425,000 sale. In Lee County the seller customarily pays the owner’s title policy, which is custom and not law. The deed stamps are customarily the seller’s as well. The contract controls both.

Insurance and flood

Your own condominium policy covers the inside of your unit, and the association’s master policy covers the building. A buyer should ask for the master policy summary, the deductible and the flood coverage, and ask a licensed agent to quote the unit policy. We print no premium figures because they vary by building, floor and coverage; the storm section routes you to the sources for flood insurance rules.

Special assessments

A special assessment is a charge above the regular fee that an association levies for a repair or a reserve shortfall. We have not found any published Bay Beach special assessment, but the milestone inspection and reserve-study rules for older buildings, covered below, are the main reason a buyer should ask. The estoppel certificate lists any assessment that is proposed or unpaid.

Move-in and move-out

Many associations charge an application, a background check, an elevator reservation or a deposit at move-in. The listing-entered application fees of $25 to $250 and transfer fees of $75 to $2,500 above give the range; the exact fee comes from the building.

Declarations, Bylaws, Rules and Approvals in Bay Beach

Each Bay Beach condominium runs under its own recorded declaration, bylaws and rules, and no association publishes them online that we could find. A buyer reads them through the seller’s resale package under Florida Statute 718.503 or through Lee County Official Records at the book and page printed above. The declaration governs rentals, pets, approvals, assessments and who maintains what.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

What a buyer can read before contract

Florida Statute 718.503 requires the developer or seller to give a buyer a package that includes the declaration, the articles, the bylaws, the rules, the financial statement and a document of frequently asked questions, with a 7-day cancellation period on a resale (excluding weekends and legal holidays), and the same 7 days where a milestone inspection summary, turnover inspection report or structural integrity reserve study applies; a sale by the developer carries 15 days. Read the cancellation clause in your contract carefully.

Who maintains what inside a unit

The declaration says what the association maintains and what the owner does. Typically the association covers the structure and common elements, and the owner covers everything inside the unit’s boundaries. The boundary line is in the declaration, and it decides whether a leak, an air conditioner or a window is your cost or the association’s.

Approvals, transfers and applications

Many Florida condominiums require board approval of a buyer, a screening interview or an application fee. We do not know which Bay Beach buildings do, and the listing-entered application fees on 250 closings show that most do charge one. Ask the seller’s agent for the approval timeline before you set a closing date.

Your right to inspect association records

Florida law gives unit owners the right to inspect the association’s official records, including the budget, the minutes, the reserve study and the insurance policies. A buyer can ask the seller to arrange that inspection during due diligence.

Can You Rent Out a Bay Beach Condo?

Whether you can rent a Bay Beach condo depends first on the building’s declaration, which we could not read, and second on the Town of Fort Myers Beach, which runs a short-term rental registry. We found no Bay Beach association that publishes its rental rules online. The declaration and current rules govern, and the Town registration applies on top.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

What the associations have published

Nothing. Rental terms, minimum stays, approval requirements and caps are not published for any Bay Beach building. The recorded declaration at the book and page printed above and the current rules govern; ask for them in the resale package.

The Town’s short-term rental registration

The Town requires owners who rent short term to register through its Rentalscape customer portal, with a registration number on every advertisement and a responsible party who can act within one hour. The Town’s page is linked in the sources. Condominium associations may opt out of Town enforcement by filing a letter and a fire inspection, and the Town’s 2026 opt-out list names Captains Bay North Two at 6691 Estero Boulevard with “No” in its registered column; that column is a per-cycle status, not a statement of whether a building allows rentals.

The Town’s minimum-stay rule and its exceptions

Land Development Code Section 34-2391 sets a one-week minimum stay in certain zoning districts, with exceptions that include land directly adjoining the bay side of Estero Boulevard and condominiums of six or more units that allowed shorter stays before 2003 and notified the Town by January 31, 2020. Whether a Bay Beach building falls under an exception depends on its parcel and its declaration, so confirm with the Town before you buy for rental income.

Florida’s preemption statute

Florida Statute 509.032 preempts local regulation of vacation rental duration and frequency, except for local laws adopted on or before June 1, 2011. The Town’s weekly-minimum rule predates that date. We have not obtained a legal opinion on how the statute interacts with any new Town rule.

Why rental rules affect insurance and resale

A building that allows nightly rentals is rated and financed differently from one that does not, and a lender’s underwriter may ask. Ask about the rules before you rely on rental income, and ask the association’s insurance agent whether rental use changes the master policy.

Are Pets Allowed in Bay Beach?

Pet rules in Bay Beach are set by each association and are not published for any building we reviewed. Weight limits, breed limits, the number of pets and whether tenants can keep pets are all in the recorded declaration or the current rules, so a buyer with a dog or cat should read them before making an offer.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

What to ask

Ask four questions: how many pets, what size limit, whether the rule applies to tenants and guests, and whether there are leash and elevator rules. Put the answers in writing before closing.

Assistance animals

Assistance animals are covered by federal and state fair housing law and are generally not treated as pets under a no-pets rule. An association may ask for reliable documentation of the need. A buyer who depends on an assistance animal should raise it with the association early.

Beach and park rules for dogs

Pets are not allowed at Bowditch Point Regional Park, according to Lee County Parks and Recreation. Other beach and park rules differ by site, so check the posted rules before taking a dog to a beach.

Is Bay Beach in a Flood Zone, and What Did Hurricane Ian Do Here?

The FEMA flood map indicates VE with a base flood elevation of 12 feet at three Bay Beach Lane addresses and AE at 11 feet on Island Pines Way, on the panel effective November 17, 2022. Hurricane Ian’s surge reached 10 to 15 feet above ground on Fort Myers Beach and Estero Island, according to the National Hurricane Center.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

What the FEMA flood map indicates at these addresses

We queried FEMA’s National Flood Hazard Layer for four Bay Beach addresses and the area’s center point. The panel is 12071C0567G, effective November 17, 2022, and elevations are in feet on the NAVD88 datum. The map is a regulatory tool, not a guarantee of how any building behaves in a storm.

Address

FEMA zone

Base flood elevation (feet, NAVD88)

4491 Bay Beach Lane

VE

12

4511 Bay Beach Lane

VE

12

4203 Bay Beach Lane

VE

12

22676 Island Pines Way

AE

11

Bay Beach center point

VE

12

Check your own address against the panel and ask the seller for an elevation certificate; the Town publishes an elevation certificate page. A third-party map layer shows no Coastal Barrier Resources System unit at these addresses; confirm with the U.S. Fish and Wildlife Service mapper before relying on that. A Florida coastal construction control line segment lies within about 500 meters of the center point, but we have not confirmed whether any Bay Beach building lies seaward of it.

Evacuation zone and wind design

Lee County Emergency Management’s evacuation layer returns zone A for Bay Beach. The building code’s design wind speed at the area’s center point is 160 miles per hour in a wind-borne debris region. Zone A is typically among the first zones ordered out when Lee County calls an evacuation.

What Hurricane Ian did on Estero Island

Ian made landfall on Cayo Costa on September 28, 2022 at about 150 miles per hour. The National Hurricane Center’s report puts peak surge at 10 to 15 feet above ground on Fort Myers Beach and Estero Island, and says an estimated 900 structures in Fort Myers Beach were totally destroyed and 2,200 damaged. The Florida Department of Environmental Protection’s report cites +13.23 feet NAVD88 at the Fort Myers Beach pier.

The high-water marks near Bay Beach

The U.S. Geological Survey recorded high-water marks across the island in October 2022, ranging from 10.5 to 13.8 feet NAVD88. Marks near Bay Beach include 11.9 feet at the 4509 Bay Beach Lane address (about 7 feet above ground), 11.6 feet at the 301 Lenell Road address (about 6.8 feet above ground) and 12.3 feet on Lake Valencia Court (about 2.7 feet above ground). A mark records water height at a spot, and a building’s floor elevation decides what that meant inside.

Hurricanes Helene and Milton in 2024

The National Weather Service estimated coastal Lee County water levels of 2 to 5 feet above mean higher high water for Helene in September 2024 and 3 to 6 feet for Milton in October 2024. The Fort Myers gauge on the Caloosahatchee River measured 5.12 feet above mean higher high water for Helene and 5.27 feet for Milton, second only to Ian’s 7.26 feet at that gauge. No island-specific high-water marks exist for either storm.

How much has been rebuilt?

The county roll shows 58 Bay Beach parcels with a year built of 2023 or later, all in Grandview at Bay Beach, which is a count of new construction on the roll and not a count of storm repairs. The roll does not tell us how many older units were gutted and renovated, and the buildings’ own letters to owners are not public.

The Town’s rules after Ian: elevation and the 50 percent test

The Town’s flood regulations require the lowest floor of a new, substantially damaged or substantially improved building to be at least one foot above the base flood elevation. The Town applies a 50 percent test per building: if repair or improvement cost equals or exceeds half of the building’s pre-damage value, the building must meet current floodplain rules. The Town’s page states a five-year look-back for improvements. A condominium is judged as a whole building, not unit by unit, which is why an association’s repair history matters to a buyer.

Flood insurance and the Town’s rating

The Town of Fort Myers Beach holds a Community Rating System Class 5 with a 25 percent discount effective April 1, 2026, after a November 2024 retrograde and probation that FEMA closed by letter on November 17, 2025. FEMA’s Risk Rating 2.0 prices each policy by flood frequency, distance to water, elevation and rebuild cost, and most rates cannot rise more than 18 percent a year. Ask an independent insurance agent for a quote on the specific unit.

Citizens and the flood requirement

Citizens Property Insurance Corporation requires flood coverage on many personal-lines residential policies under Florida Statute 627.351, phased in by dwelling replacement cost from 2024 to all property by January 1, 2027. The statute exempts policies that cover a condominium unit under a unit owners form, so a typical unit owner is not required to buy flood by Citizens, though a lender or the association’s master policy may still require it. Citizens also accepts the wind-mitigation inspection form, valid for five years.

The seller’s flood disclosure

Since October 1, 2024, Florida law requires a seller of residential property to give a flood disclosure to the buyer under Section 689.302. Ask the seller’s agent for it with the resale package.

Milestone Inspection and SIRS: What Each Bay Beach Building Owes

Florida law requires a milestone inspection of condominium buildings of three or more habitable stories 30 years after the certificate of occupancy, then every 10 years, and a structural integrity reserve study every 10 years for buildings of three or more stories. The table computes each Bay Beach building’s deadline from its county year built and stories, not from any inspection record.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

The statutes in plain terms

Florida Statute 553.899 sets the milestone inspection by December 31 of the year a building reaches 30 years of age, based on its certificate of occupancy, and every 10 years after. A building that reached 30 before July 1, 2022 had to complete its first inspection before December 31, 2024. Florida Statute 718.112 requires the structural integrity reserve study for buildings of three habitable stories or more, with existing associations required to complete it by December 31, 2025. The statutes let a local enforcement agency require earlier inspection near salt water; we did not confirm that the Town has done so.

The computed deadlines

We computed these from the county roll’s year built (not the certificate of occupancy date, which we did not retrieve) and the tallest story count. They are a calculation, not a status.

Building

Years built and tallest story count

Milestone inspection at 30 years

Structural integrity reserve study

The Palms of Bay Beach

1976 to 1978, 7 stories

Reached 30 in 2006 to 2008, so before December 31, 2024

Applies (3 or more stories)

Royal Pelican

1986 to 1991, 4 stories

Reached 30 in 2016 to 2021, so before December 31, 2024

Applies

Harbour Pointe

1982 to 1995 (county range), 10 stories

2012 to 2025

Applies

Hibiscus Pointe

1992 to 1995, 6 stories

2022 to 2025

Applies

Casa Marina

1990 to 2001, 6 stories

2020 to 2031

Applies

Captains Bay

1994 to 1997, 5 stories

2024 to 2027

Applies

Waterside at Bay Beach

1997 to 2003, 11 stories

2027 to 2033

Applies

Palm Harbor Club

2000 to 2001, 8 stories

2030 to 2031

Applies

Bella Lago

2006, 4 stories

2036

Applies

Estero Bayside

2006 to 2007, 6 stories

2036 to 2037

Applies

Manatee Bay at Bay Beach

2008, 11 stories

2038

Applies

Grandview at Bay Beach

2023, 11 stories

2053

Applies

Admirals Bay, Ostego Bay, Valencia Villas

2 stories or fewer

Not applicable (under 3 stories)

Not applicable

What this means for a buyer

For the oldest buildings, the first milestone inspection was due before the end of 2024, and the reserve study before the end of 2025. Whether either was done, what it found and what the association plans to spend are questions for the seller’s resale package and for the state’s public reporting database linked in the sources. Florida’s Division of Condominiums publishes a structural integrity reserve study reporting page; we did not query it and claim no status for any building.

Which Schools Serve Bay Beach?

The Lee County school district’s GIS layer places Bay Beach Lane in elementary zone T, middle zone MM and high school South Zone 4. Zone T’s only school, Fort Myers Beach Elementary, is closed, and its former students have been bused to Heights Elementary. Confirm assignment by address with the district’s Student Enrollment office.

Fort Myers Beach Elementary

The school closed after Hurricane Ian in 2022, reopened in December 2023 and closed again after flooding from Hurricane Milton in 2024. On May 12, 2026 the Lee County School Board voted unanimously to give the campus to the Town of Fort Myers Beach so the Town can operate it as a charter school within three years, or it reverts to the district. The agreement offers no money for repair. A charter opening date is not confirmed.

Middle and high school

Middle zone MM is served by Cypress Lake Middle and Lexington Middle, according to the district’s 2026-27 enrollment plan. The county layer returns South Zone 4 for Estero Island, but the plan’s published high school sub-zones run 1 to 3, so we could not confirm which high schools serve zone 4. Use the district’s locator for your address.

How assignment works

Elementary and middle schools use proximity zones, and high schools use residential choice zones, according to the 2026-27 enrollment plan. A student in any zone may request the Estero Island school, and district transportation is not provided for that request. We checked point locations on Bay Beach Lane, not parcels, so verify by address.

Colleges

Florida Gulf Coast University is about 22 miles and 42 minutes from Bay Beach Lane, and Florida SouthWestern State College’s Lee campus is about 14 miles and 33 minutes, by free-flow route estimates.

Town Permits, Zoning and Coastal Rules in Bay Beach

Because every Bay Beach parcel is in the Town of Fort Myers Beach, building permits, flood determinations, short-term rental registration and sea turtle lighting rules come from the Town, not from Lee County. The Town’s Community Development office handles permits and floodplain questions, and we did not confirm which zoning district governs each building.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

Who permits what

The Town’s Community Development office takes permit and inspection requests (239-765-0202) and floodplain questions. Utilities are handled by the Town’s Utilities Department at Town Hall, 6231 Estero Boulevard. Condominium repairs, window and door replacements and exterior changes need Town permits as well as association approval.

Zoning and height

The roll shows a Town zoning flag on every Bay Beach parcel, but not the specific district. The Town’s Land Development Code sets height and density by district, and the Town has been revising its comprehensive plan: a draft 2045 plan covered in November 2025 identifies five mixed-use districts along Estero Boulevard, one of which, Santini Village, runs from Island Pines Way to Bella Lago Drive and which the draft describes as the tallest and most dense district on the island. The Council vote was scheduled for December 1, 2025, and we did not confirm the outcome or what it means for any parcel. For a specific building, ask the Town for a zoning verification letter.

Sea turtle lighting

The Town’s sea turtle code defines nesting season as May 1 through October 31, extendable, and applies to all properties in the Town, beachfront or not. Exterior lights must be long-wavelength (amber or red), shielded and aimed down, and glass windows and doors must have visual transmittance of 45 percent or less and a window covering. These rules can affect an owner’s window replacement choices.

Seawalls, docks and the water

Seawall and dock work involves the Town and, depending on the project, state and federal agencies. We did not review those permits building by building. A buyer purchasing for the dock should ask the association for the dock’s permit and its most recent inspection.

Boating at Bay Beach: Docks, Cooperatives and the Passes

Bay Beach is a boating address. Several buildings have dock or slip rights recorded as separate parcels or held through a cooperative, and the buildings face Estero Bay and its canals. The details of any slip are in the cooperative’s documents, not in the condominium declaration, and the cooperative is governed by Florida’s chapter 719.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

How docks and slips are held

The roll names two streets, Boat Dock (144 parcels) and Boat Slip (119 parcels), which are not roads: they are individually owned dock and slip rights recorded as parcels. The records show at least two ways to hold a slip: as an individually recorded dock or slip parcel, and through a cooperative or boating association that owns the dock.

The cooperatives and boating associations

The recorded entities we found are Hibiscus Pointe Boat Cooperative Association, Inc. (N93000004019; Official Records Book 2450, Page 260), Casa Marina Boating Association, Inc. (N96000005326; Book 2756, Page 161), Casa Marina II Boating Association, Inc. (N97000000300), Waterside Dock Cooperative (Book 2991, Page 929) and Waterside Dock Association, Inc. (N98000000593), and Royal Pelican Boating Association, Inc. (N15746). A cooperative is a different legal form from a condominium: its owner typically holds a share and a right of use, not a deed to a unit, so check which form applies to the slip you are buying.

The Royal Pelican docks entity

Royal Pelican Docks at Bay Beach Association, Inc. (N07000000181) is shown as inactive on the state’s records, with its last annual report in 2020, while the county roll still records the docks as parcels under instrument 2007-20910. We report the conflict and do not resolve it; ask which entity holds title and who maintains the docks.

Bridges and passes

The new Big Carlos Pass Bridge, which carries Estero Boulevard on the south side of the island, is a fixed span with 60 feet of vertical navigation clearance and replaced the old movable bridge. Traffic moved to the new bridge on November 14, 2025, and the ribbon cutting was June 30, 2026. We did not verify controlling depths or channel markers; use NOAA chart 11427 and local knowledge before taking a boat through a pass.

Moorings and marinas

The Town operates the Matanzas Pass Mooring Field, which Town-affiliated posts describe as about 89 public mooring balls; confirm the count and length limits with the Town. Moss Marina on the bay side of Estero Island and Salty Sam’s Marina on San Carlos Island describe themselves as full-service marinas on their own sites; neither is on Bay Beach Lane. Lee County’s public motorized boat ramps are not on Estero Island, so a trailer boater should check the county’s ramp list.

Daily Logistics: Getting Around, Groceries and Services

Bay Beach is about four and a half to five miles by road south of Times Square, and Estero Boulevard is the one main road. Groceries, the library, a pharmacy and fire stations are on the island, while the airport, hospitals and the big shopping centers are on the mainland. Distances here are free-flow route estimates from Bay Beach Lane, not live traffic.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

Distances from Bay Beach Lane, as estimates

Destination

Drive from Bay Beach Lane (estimate)

Lovers Key State Park entrance

3.5 miles, 12 minutes

Fort Myers Beach Public Library

4.0 miles, 12 minutes

HealthPark Medical Center

10.8 miles, 27 minutes

Bonita Springs

12.0 miles, 25 minutes

Estero (Coconut Point)

14.8 miles, 29 minutes

Sanibel Island

16.6 miles, 36 minutes

Downtown Fort Myers

19.7 miles, 42 minutes

Southwest Florida International Airport

22.5 miles, 46 minutes

Naples (Fifth Avenue South)

23.0 miles, 43 minutes

These come from the open OSRM router run on October 7, 2026 on free-flow speeds, with no seasonal or live traffic, so winter and Saturday times will be longer.

Estero Boulevard, bridges and traffic

Estero Boulevard is the single spine of the island, with two ends: the Matanzas Pass Bridge on the north and the new Big Carlos Pass Bridge on the south. Lee County has steered beachgoers to the Beach Park and Ride on Summerlin Square Drive and the trolley since the Lynn Hall and Bowditch Point lots closed in September 2026.

Trolley and transit

LeeTran runs the Route 410/490 service between the mainland Beach Park and Ride, Times Square, Bowditch Point Park, the library and Lovers Key State Park. The free seasonal tram resumed on November 20, 2025, and the Chamber of Commerce says tram service has stopped until November 2026. A fare applies on the trolley; check the timetable for current fares and hours.

Groceries, pharmacy and the library

The Publix at 4791 Estero Boulevard is open 7 a.m. to 9 p.m. daily by the store’s page. The CVS at 7001 Estero Boulevard, at the south end, was reported as the island’s only pharmacy when it reopened on December 15, 2023. The Fort Myers Beach Public Library at 2755 Estero Boulevard is open Monday to Friday 9 to 5 and Saturday 9 to 1. The post office is at 200 Carolina Avenue.

Fire, rescue and water

The Fort Myers Beach Fire Control District’s Station 33 is at 121 Lenell Road, in Bay Beach. Station 31 at 2545 Estero Boulevard opened on April 2, 2026, replacing the station Ian destroyed. Lee County supplies the island’s water and owns its sewer system, and the Town bills customers, according to a 2023 report. The Town’s bacteriological results page lists five boil water notices between December 2024 and October 2025; the page does not state their causes.

Healthcare

The nearest hospital campus we routed is HealthPark Medical Center, about 10.8 miles and 27 minutes from Bay Beach Lane by estimate. We did not confirm hours or services at any facility.

What Is Changing Near Bay Beach? Bridges, the Pier and Parks

Several public projects near Bay Beach changed in 2025 and 2026: the new Big Carlos Pass Bridge opened to traffic, Fire Station 31 opened, Bowditch Point Park closed its parking in September 2026, and the Fort Myers Beach pier rebuild broke ground in August 2026. None changes Bay Beach’s boundaries, but each affects daily life and beach access.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

Big Carlos Pass Bridge

The new bridge replaced the old movable bridge with a fixed 60-foot span, one travel lane each way, bike lanes, a six-foot sidewalk on the north side and a ten-foot shared-use path on the south side. Traffic moved on November 14, 2025, and the ribbon cutting for the bridge and its artificial reef was June 30, 2026. The reported cost is about $90.8 million.

The Fort Myers Beach pier and Lynn Hall

The county’s pier rebuild is about $14.4 million with groundbreaking on August 21, 2026 and about a year of work. The county awarded a $11.7 million construction contract in April 2026 for a pier about 1,000 feet long. The two figures measure different things: the first is the project total and the second is the construction contract. The Lynn Hall lot is closed during the work.

Bowditch Point Regional Park

Lee County closed Bowditch Point’s parking lot and beach park amenities from September 8, 2026 for a $3.9 million restoration of damage from Hurricane Ian. The LeeTran stop and pedestrian beach access remain. Pets are not allowed at the park, and boat docks there are closed.

Fire Station 31 and Town Hall

The Fort Myers Beach Fire Control District’s new Station 31 opened on April 2, 2026 at 2545 Estero Boulevard. The Town moved into its new Town Hall at 6231 Estero Boulevard on September 10, 2025.

The 2045 plan and the Santini Village draft

The Town’s draft 2045 plan, covered by Gulfshore Business on November 26, 2025, identifies a Santini Village district from Island Pines Way to Bella Lago Drive. It is a draft district, and we did not confirm the plan’s final adoption or what it means for any parcel.

Housing context for the whole Town

The Census Bureau’s 2020 to 2024 American Community Survey counts 9,886 housing units in the Town of Fort Myers Beach, 71.4 percent of them vacant including 4,753 held for seasonal use, a median owner-occupied home value of $642,400 and 88.7 percent of occupied units owner-occupied. Bay Beach is one part of that housing stock, and we did not measure its own occupancy.

How Does Bay Beach Compare With Its Island Neighbors?

Bay Beach had more closings than any other community in our Fort Myers Beach research, 61 in the 12 months to October 7, 2026 against 28 for Bayside Estates, and its $425,000 median sat below the $510,000 median for ZIP 33931. The table sets Bay Beach, its nine buildings and several neighbors side by side, each row with its own window.

Each row keeps its own series, and we never mix the Southwest Florida MLS with the county record.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

The benchmark table

Each row is copied from our sibling table for the Fort Myers Beach research, with the window shown in the row. A row’s window is the first of 12, 24, 36 or 60 months to hold at least 10 closings. The county column is the Lee County Property Appraiser’s qualified-sale series, and it is a different count from 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)

Bay Beach

community

1755

1976 to 2023

61

334

12 mo: n 61, median $425,000, range $260,000 to $2,200,000

359.0

53

12 mo: n 53, median $410,000

Pink Shell

community

229

1976 to 2007

14

70

12 mo: n 14, median $325,000, range $175,000 to $890,000

495.0

11

12 mo: n 16, median $412,500

San Carlos Island

community

1218

1940 to 2024

11

86

12 mo: n 11, median $400,000, range $150,000 to $2,380,000

351.0

14

12 mo: n 46, median $374,000

Waterside at Bay Beach

condo

291

1997 to 2003

17

138

12 mo: n 17, median $675,000, range $445,000 to $2,200,000

408.0

28

24 mo: n 22, median $765,000

The Palms of Bay Beach

condo

153

1976 to 1978

10

41

12 mo: n 10, median $392,500, range $360,000 to $650,000

380.0

3

12 mo: n 11, median $395,000

Hibiscus Pointe

condo

182

1992 to 1995

12

34

12 mo: n 12, median $375,000, range $270,000 to $440,000

320.0

4

12 mo: n 11, median $380,000

Casa Marina

condo

146

1990 to 2001

2

23

36 mo: n 14, median $480,000, range $399,999 to $605,000

408.0

2

36 mo: n 16, median $477,500

Palm Harbor Club

condo

56

2000 to 2001

4

19

36 mo: n 12, median $642,500, range $465,000 to $1,100,000

379.0

1

60 mo: n 13, median $665,000

Royal Pelican

condo

145

1986 to 1991

6

19

60 mo: n 19, median $429,900, range $260,000 to $635,000

354.0

4

60 mo: n 16, median $465,000

Harbour Pointe

condo

141

1982 to 1995

2

15

60 mo: n 15, median $470,000, range $270,000 to $850,000

400.0

5

60 mo: n 9, median $389,900

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

Captains Bay

condo

96

1994 to 1997

4

13

36 mo: n 11, median $475,000, range $315,000 to $615,000

383.0

3

36 mo: n 15, median $475,000

Estero Beach and Tennis Club

condo

297

1979 to 1982

17

83

12 mo: n 17, median $405,000, range $305,000 to $475,000

783.0

17

12 mo: n 20, median $407,500

Lovers Key Beach Club

condo

207

1984 to 2000

10

47

12 mo: n 10, median $362,500, range $296,000 to $525,000

652.0

16

12 mo: n 10, median $362,500

Bayside Estates

neighborhood

598

1968 to 2024

28

211

12 mo: n 28, median $362,500, range $138,000 to $690,000

235.0

23

12 mo: n 30, median $364,750

Fairview Isles

neighborhood

207

1958 to 2024

23

85

12 mo: n 23, median $885,000, range $280,000 to $5,940,000

508.0

17

12 mo: n 21, median $805,000

How to read the table

Bay Beach’s own row is the sum of its buildings, so it is not comparable to a single building. Read down the 12-month rows: Hibiscus Pointe ($375,000) and The Palms ($392,500) are the least expensive big Bay Beach groups, while Waterside ($675,000) sits near the top, and its row includes Grandview and Manatee Bay closings as the MLS groups them. Estero Beach and Tennis Club, a Gulf-front condominium farther south, shows a median of $405,000 on 17 closings in the 12 months to October 7, 2026, close to Bay Beach’s, with a recorded $783 per square foot; the county’s heated-area field for that building repeats a single value, so we do not compare its per-foot figure with Bay Beach’s $359. Per-square-foot figures differ by window and by mix, so compare within a row first.

Bay Beach and the Town-wide market

The Southwest Florida MLS counts 397 closings in ZIP 33931 in the 12 months, with a median of $510,000, and 309 on Estero Island, with a median of $550,000. Across ZIP 33931, condominiums, by joining the MLS addresses to the county roll, had 238 closings and a median of $425,000, the same as Bay Beach’s $425,000. Single-family homes in the ZIP had 111 closings and a median of $1,000,000. 98 of the 2,064 sixty-month closings did not match a roll address and are excluded from that split. Bay Beach is a condominium market, so the condominium median is the fair comparison.

Three nearby communities are often compared with Bay Beach. Estero Beach and Tennis Club is the largest Gulf-front condominium at the island’s south end. Lovers Key Beach Club sits on Black Island across Big Carlos Pass; the Lee County Property Appraiser roll places these parcels in the City of Bonita Springs taxing district. Bayside Estates is a mainland neighborhood of manufactured and site-built homes off San Carlos Boulevard. Each has its own rules and its own record, and each has a seller guide on this site: selling at Estero Beach and Tennis Club, selling at Lovers Key Beach Club and selling in Bayside Estates.

Bay Beach vs Pink Shell Beach Resort: How Do They Compare?

Bay Beach is a bay-side cluster of independent condominium associations with 61 closings and a $425,000 median in the 12 months to October 7, 2026, while Pink Shell Beach Resort is a Gulf-front resort campus with 14 closings and a $325,000 median. Pink Shell costs less per home and more per square foot.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

The decision table

Factor

Bay Beach

Pink Shell Beach Resort

Water

Bay side, canals and docks

Gulf-front resort campus on the Gulf side of Estero Boulevard

Structure

Nine larger condominiums plus six smaller buildings, no area-wide master association found

Five condominiums and a timeshare club on one resort campus

Parcels on the roll

1,755 residential, 1,411 condominium units

229 residential

Year built

1976 to 2023

1976 to 2007

Tallest building

11 stories

9 stories by the parcel pull

MLS closings, 12 months to October 7, 2026

61, median $425,000, $359 per square foot

14, median $325,000, $495 per square foot

Range, 12 months to October 7, 2026

$260,000 to $2,200,000

$175,000 to $890,000

Median days on market

99

145.5

Median share of final list price

93.8%

94.2%

Active and pending, October 7, 2026

53

11

FEMA flood map at tested addresses

VE at 12 feet, AE at 11 feet

VE at 13 feet

Rentals

Set by each association; Town registration

Resort-operated rental setting; owner program terms not confirmed

Boating

Docks and cooperatives in several buildings

Marina on the resort campus, per a 2023 news report

Where Bay Beach stands out

Bay Beach offers the broadest choice: nine buildings across ages, sizes and price points, from the lowest-priced older units to a 2023 tower, with docks in several buildings and a quieter bay-side setting. It also lets a buyer compare many associations on fees and rules, which means doing that homework building by building.

Where Pink Shell Beach Resort stands out

Pink Shell offers a Gulf-front campus with resort amenities and a rental-oriented setting, in a smaller market with fewer comparable sales. Its median price per square foot in the 12 months to October 7, 2026 is higher than Bay Beach’s, which shows that a buyer pays for the frontage and the resort, not the space. Read its guide before comparing any numbers across the two.

What both share

Both sit in the Town of Fort Myers Beach taxing district at the same 2026 applied millage of 13.3108, both are in evacuation zone A, both are VE or AE on the FEMA map at the addresses we tested, and both face the same milestone inspection and reserve study rules. For the broader island picture, see the Fort Myers Beach hub.

What Are the Pros and Cons of Owning in Bay Beach?

Bay Beach owners gain choice, a lower price per square foot than most Gulf-front buildings in our table and, in many buildings, a dock. They also take on storm exposure, building-by-building rules and statutory deadlines on older mid-rise buildings. The lists below are honest trade-offs, and each point links back to evidence earlier on this page.

What owners and buyers like

  • Choice across nine larger buildings and six smaller ones, with medians for the 12 months to October 7, 2026 from $375,000 at Hibiscus Pointe to $675,000 at Waterside.
  • A lower median price per square foot ($359) than the Pink Shell campus ($495) in the 12-month rows.
  • Docks, slips and boating cooperatives in several buildings, on the bay side.
  • A newer building, Grandview, with 2023 construction, alongside older buildings at lower prices.
  • A location about 3.5 miles by road from Lovers Key State Park, with the Gulf beaches a short drive north.

What to weigh

  • Every tested address is in a FEMA coastal flood zone, VE or AE, and the area is in evacuation zone A.
  • Hurricane Ian’s surge reached 10 to 15 feet above ground on the island.
  • Older mid-rise and high-rise buildings face milestone inspection and reserve study requirements, and we could not confirm any building’s status.
  • Fees and rules are set building by building, none is published, and listing-entered annual fees ranged from $3,604 to $26,588.
  • About 9.6 months of supply at the pace of the 12 months to October 7, 2026, and 16 of 61 recent sales took 180 days or more.
  • No Gulf frontage, so a buyer who wants the beach drives or takes the trolley.

How to use this list

If most of the first list is what you want and you can live with the second after reading a building’s documents, Bay Beach is worth a close look. If your priority is Gulf frontage or a simple rental program, the Pink Shell comparison above is the better start.

How We Researched Bay Beach, and What We Tracked First-Hand

We built this page from primary records. We tracked every one of the 334 Bay Beach closings in the Southwest Florida MLS over the 60 months to October 7, 2026, including closings entered as Sold Data Entry, we tracked every county-qualified sale in the 12, 24, 36 and 60 month windows to the October 4, 2026 roll file, and we queried FEMA’s flood layer at four Bay Beach addresses ourselves.

Data updated: October 2026 (Southwest Florida MLS closings through October 7, 2026, with listings and closings re-checked October 29, 2026; Lee County Property Appraiser roll file October 4, 2026)

What we did, step by step

A team with the Top 1% Real Estate Agents Nationally Since 2008 recognition still has to show its work, so each step below is one a reader can repeat. We pulled the 61 closings of the 12 months to October 7, 2026 and the 53 active and pending listings from the Southwest Florida MLS on October 7, 2026. We read the Lee County parcel roll for all 1,755 Bay Beach parcels and counted use codes, years built, stories and pool and dock flags. We queried the FEMA National Flood Hazard Layer, the county’s evacuation layer and the U.S. Geological Survey’s high-water-mark database. We read the state’s condominium extract and the Florida Division of Corporations filings for each association, and we recorded legal names, document numbers and dates only.

What we found that surprised us

Three things stood out. The MLS files three different buildings under the Waterside development name, which makes a Waterside median easy to misread. The county’s parcel count includes 263 dock and slip parcels that look like homes until you read the street names. And we found no master association for an area that locals call by one name.

What we could not get

We could not read any association’s declaration, bylaws, rules, budget or reserve study, because none is posted publicly. We could not confirm any building’s milestone inspection or reserve study status. We list these gaps again in one place near the end of the page.

Conflicts between sources, and how we handled them

Several sources disagree, and we print both sides. The state’s unit counts differ from the county’s parcel counts at The Palms (152 and 153), Hibiscus Pointe (184 and 182), Harbour Pointe (140 and 141) and Captains Bay (93 and 96). Casa Marina is 144 by the state and 146 on the roll. Harbour Pointe’s county year-built range is 1982 to 1995 while the state’s record is 1982. Royal Pelican’s docks association is inactive on the state’s records while the county still records the docks. We do not decide which is right; the buyer’s resale package does.

Thinking of Selling Your Bay Beach Home? List With the #1 Team in Southwest Florida Since 2012

If you’re searching for a Bay Beach listing agent, or thinking, “I need someone to sell my Bay Beach home…”, McGreevy and Comisar is the team to call. Jesse McGreevy and Marc Comisar lead Domain Realty Group, and we prepare every Bay Beach listing the way a buyer’s attorney and lender will read it: documents first, building-level comparables, and a price tied to the closed sales in your own building.

Selling credentials

Top 1% Real Estate Agents Nationally Since 2008 is the credential we list first. The full list of what we bring to a Bay Beach listing is below.

  • 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

Recent Bay Beach sold-listing stats

In the 12 months to October 7, 2026, the Southwest Florida MLS shows 61 Bay Beach closings with $31,916,899 in total sold volume, a median of 99 days on market and a median of 93.8% of the final list price. The median sold price was $425,000, and the range ran from $260,000 to $2,200,000. A re-check on October 29, 2026 found three closings recorded after October 7: $610,000 and $1,250,000 at Waterside at Bay Beach on October 15 and $310,000 at Harbour Pointe on October 26, 2026. Every comparable matters: a building like Palm Harbor Club or Bella Lago has only a few closings a year, so we price from the nearest like unit, not from a Bay Beach average.

Why selling in Bay Beach is different

A Bay Beach sale is a documents sale inside a building-by-building market. The buyer’s lender will ask about the budget, the reserve study, any special assessment, the milestone inspection where the building’s age requires one and the insurance on the master policy, and a unit with those papers in order sells on its merits. Price follows the building, the floor, the size and the water access, and the medians for the 12 months to October 7, 2026 run from $375,000 at Hibiscus Pointe to $675,000 at Waterside. We request the estoppel certificate and the statutory document package under Florida Statute 718.503 before we list, so the first buyer to see the home also sees the facts.

Timing matters too. Across the 291 closings of the 60 months outside the newest building, 101 closed from April through June, 78 from January through March, 59 from July through September and 53 from October through December. Closing dates follow contracts by weeks, so a winter listing is the one that closes in spring.

What Is Your Bay Beach Home Worth? Get a Free Valuation in 60 Seconds.

Request your free Bay Beach home valuation and we will come back with the nearest closed sales in your building, the adjustments for floor, view and condition, and the document gaps that could affect your price.

Talk to Jesse direct

Call Jesse at (239) 898-6072, text or call, with any question about selling in Bay Beach. Our guide to selling a home in Bay Beach has the closed sales, the costs and the documents in one place, and our Fort Myers Beach selling guide covers the Town as a whole.

Bay Beach seller mini-FAQ

Six questions Bay Beach owners ask us before they list.

How much is my Bay Beach condo worth?

It depends on the building, floor, size and condition. The 12-month MLS median across all Bay Beach is $425,000, but it ranges from $260,000 to $2,200,000, so the nearest like unit in your own building is the number that counts. Our free valuation gives you the comparables and the adjustments.

How long will my Bay Beach home take to sell?

The median Bay Beach home that closed in the 12 months to October 7, 2026 spent 99 days on the market, 16 of 61 closed within 30 days and 16 took 180 days or more. Price against your building’s recent closings is the largest factor, followed by condition and by how complete your documents are.

What do I owe the association when I sell?

You owe any unpaid assessments through closing, and the estoppel certificate states the amount. Under Florida Statute 718.116 the association must issue it within 10 business days and may charge a capped fee. The certificate also shows any transfer fee, capital contribution or approval requirement.

Which documents do I need to give a Bay Beach buyer?

The seller must provide the declaration, articles, bylaws and rules, the financial statements and budget, the milestone inspection summary if applicable, the structural integrity reserve study or a statement that none is complete, and the frequently asked questions document, under Florida Statute 718.503. We request them before the home goes live.

Will my building’s age affect my buyer’s financing?

It can. Lenders read the condominium’s reserves, any special assessment, the insurance and the inspection record, and older mid-rise buildings face the milestone and reserve study rules computed above. A complete document package shortens the lender’s questions and keeps a contract from stalling.

How do I start?

Call Jesse at (239) 898-6072, text or call, or use the free valuation link above. We will ask for your building and floor, pull the nearest closed sales and request the document package from the association before you decide on a price.

Your Local Real Estate Experts

Jesse McGreevy and Marc Comisar of McGreevy and Comisar, part of Domain Realty Group, are Southwest Florida real estate experts who list and sell Bay Beach condominiums and other Fort Myers Beach homes. Our honors and recognition are below, together with how to reach us directly and the licensing information Florida requires.

Honors and recognition

Top 1% Real Estate Agents Nationally Since 2008 heads the list of honors below.

  • 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

What our clients say

Jesse McGreevy is a top-reviewed Fort Myers Beach listing agent and Marc Comisar is a top-reviewed Southwest Florida realtor; every review below is copied from our Google Business Profile. The words are the reviewers’ own, and they describe working with our team across Southwest Florida.

Derek Dixon, on selling a condo

★★★★★ “Marc Comisar did an excellent job working with a very difficult client (me) selling our condo in a tough condo market. He went above and beyond.” Verified Google review

Eric Acra, on selling from out of the area

★★★★★ “Not living in the area, Jesse made life easy for me when we decided to sell our condo. His attention to detail, patience, understanding, and tenacity in dealing with all the moving parts was truly impressive.” Verified Google review

Contact Jesse and Marc

  • Jesse McGreevy: (239) 898-6072 ·
  • Marc Comisar: (239) 287-5873
  • Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

About our team

Learn how we work on our McGreevy and Comisar about page. McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more about our team at DomainRealtyGroup.com. Jesse has been licensed since November 4, 2004 and Marc since September 25, 2003.

Frequently Asked Questions, Buyer Edition

These are the questions Bay Beach buyers and searchers ask most, rewritten as plain questions, with answers drawn from the records cited above. Where a fact is not published, we say so and name the document that settles it.

Where is Bay Beach in Fort Myers Beach?

Bay Beach is on the bay side of the south half of Estero Island, along Bay Beach Lane, Lenell Road, Island Pines Way and Bella Lago Drive, about four and a half to five miles by road south of Times Square. It is inside the Town of Fort Myers Beach, ZIP 33931.

Is Bay Beach on the Gulf?

No. Bay Beach buildings face Estero Bay, canals and interior courts. The Gulf beaches are on the other side of the island, a short drive or trolley ride away, and the closest large public Gulf beaches are at Lynn Hall Memorial Park and Bowditch Point Regional Park on the north end of the island.

How many condos are in Bay Beach?

The Lee County roll counts 1,411 condominium unit parcels in Bay Beach. The nine larger buildings hold 1,258 units by the state’s project records, and six smaller buildings add Admirals Bay (38), Ostego Bay (36 and 16), Grandview (58), Valencia Villas (12), Estero Bayside (45) and Manatee Bay (58) by the same records.

What is the average price of a Bay Beach condo?

The median sold price of the 61 closings in the 12 months to October 7, 2026 was $425,000, with prices from $260,000 to $2,200,000, according to the Southwest Florida MLS to October 7, 2026. We quote medians, not averages, because one $2.2 million tower sale would skew an average. The county’s own qualified-sale median is $410,000.

How many Bay Beach condos were listed in October 2026?

On October 7, 2026 the MLS showed 53 Bay Beach listings, 49 active and 4 pending, from $289,900 to $3,059,000. A re-check on October 29, 2026 found 54 active listings and 5 pending. Call Marc at (239) 287-5873 for a list matched to your budget and building.

What are the HOA fees in Bay Beach?

No Bay Beach association publishes its current assessment. Listing agents entered total annual recurring fees from $3,604 to $26,588 on the 61 closings of the 12 months to October 7, 2026, with a median of $12,400, not verified. The association’s current budget and an estoppel certificate govern.

What year were Bay Beach buildings built?

The oldest, The Palms of Bay Beach, dates to 1976 through 1978, and the newest, Grandview at Bay Beach, to 2023. The median year built across 1,453 improved parcels is 1996, and the 1990s and early 2000s buildings, Hibiscus Pointe, Casa Marina, Captains Bay, Waterside and Palm Harbor Club, make up much of the stock.

Is Bay Beach in a flood zone?

The FEMA flood map indicates VE with a base flood elevation of 12 feet at three Bay Beach Lane addresses and AE at 11 feet on Island Pines Way. Check your own address on the panel effective November 17, 2022 and ask the seller for an elevation certificate. Bay Beach is in evacuation zone A.

Do I need flood insurance in Bay Beach?

A lender or the association’s master policy may require it, and the Florida Citizens flood requirement does not apply to a policy written on a condominium unit owners form. Ask an independent insurance agent to quote flood for the specific unit, since the federal rating looks at elevation, distance to water and rebuild cost.

Can I rent out a Bay Beach condo?

It depends on the building’s declaration, which we could not read, and on the Town’s short-term rental registration, which applies when you rent for short stays. No Bay Beach association publishes its rental rules, so ask for the declaration and current rules in the resale package before you rely on rental income.

Are pets allowed in Bay Beach?

Pet rules are set by each association and are not published for any building we reviewed. Ask for the number, size and breed rules, whether they apply to tenants and guests, and whether elevator or leash rules exist, and get the answers in writing before closing.

Which schools serve Bay Beach?

The Lee County school district’s GIS layer places Bay Beach Lane in elementary zone T, middle zone MM and high school South Zone 4. Fort Myers Beach Elementary is closed, and the School Board voted on May 12, 2026 to transfer it to the Town for a charter. Confirm assignment by address.

Can I keep a boat at Bay Beach?

Several buildings have docks or slips held by a cooperative, a boating association or recorded dock and slip parcels, including Hibiscus Pointe, Casa Marina, Waterside and Royal Pelican. The terms are in each cooperative’s documents. Ask for the slip’s size limit, fee, permit and transfer rule before you rely on a dock.

How far is Bay Beach from the airport?

By free-flow route estimate, Southwest Florida International Airport is about 22.5 miles and 46 minutes from Bay Beach Lane. The estimate excludes live and seasonal traffic, so allow more time in winter and on weekends.

What property taxes do Bay Beach owners pay?

Bay Beach is in the Town of Fort Myers Beach taxing district, with a 2026 applied millage of 13.3108, down from 13.4329 in 2025, according to the Lee County Property Appraiser’s 2026 millage book printed October 9, 2026. A $425,000 home at the 2026 rate carries $5,657.09 before exemptions and non-ad valorem charges. Your actual bill is based on the appraiser’s assessed value, not the sale price.

Is there a Bay Beach master association?

We found none. Bay Beach is a cluster of separate condominium associations, each with its own declaration, plus a master association in Waterside and dock entities in several buildings. Bay Beach Management Association, Inc., filed in 1973, is inactive, and we could not confirm that it ever served the whole area.

Which Bay Beach building is the least expensive?

By median in the 12 months to October 7, 2026, Hibiscus Pointe at $375,000 on 12 closings and The Palms of Bay Beach at $392,500 on 10 closings are the lowest among buildings with 10 or more closings. Royal Pelican’s 60-month median is $429,900 on 19 closings. Each building’s seller page has its own sales record, and its condominium documents carry its own rules.

What is Grandview at Bay Beach, and why is it priced differently?

Grandview is the newest Bay Beach building, an 11-story, 58-unit tower at 4142 Bay Beach Lane built in 2023, with homes of about 2,400 to 2,900 square feet. Its 60-month closings run from $1,278,077 to $3,064,875, far above the older buildings, so we separate it when comparing medians.

What should I look for in a reserve study?

Look for the date, the components covered, the funding plan and whether the association is fully funding or deferring. Florida requires a structural integrity reserve study every 10 years for buildings of three stories or more, with existing associations required to complete theirs by December 31, 2025.

Are there special assessments in Bay Beach?

We found no published special assessment for any Bay Beach building, but the association does not post its notices online, so we cannot rule one out. The estoppel certificate lists any assessment that is proposed or unpaid, and the seller’s package should include the board minutes.

Were Bay Beach buildings damaged by Hurricane Ian?

Hurricane Ian’s surge reached 10 to 15 feet above ground on Fort Myers Beach and Estero Island, and the U.S. Geological Survey recorded marks of 11.6 to 12.3 feet NAVD88 near Bay Beach. We found no building-level damage record for Bay Beach, so ask each association for its repair history and insurance claims summary.

How is Bay Beach different from Pink Shell Beach Resort?

Bay Beach is a bay-side cluster of independent condominium associations with 61 closings and a $425,000 median in the 12 months to October 7, 2026, while Pink Shell is a Gulf-front resort campus with 14 closings and a $325,000 median. See the decision table above and the Pink Shell Beach Resort guide.

Frequently Asked Questions, Seller Edition

These are the questions Bay Beach owners ask before they list, with answers drawn from the records cited above. We answer from the Southwest Florida MLS to October 7, 2026, the Lee County roll file of October 4, 2026 and the statutes named, and we say so when a fact is not published.

What is my Bay Beach condo worth today?

Your value depends on the building, floor, size, view and condition. The 12-month MLS median across Bay Beach is $425,000, on 61 closings from $260,000 to $2,200,000, but the building’s own recent closings matter more. We start from the nearest like unit and adjust. A free valuation from our team puts the comparables on one page.

How many Bay Beach homes sold in the last year, and at what prices?

The Southwest Florida MLS shows 61 Bay Beach closings in the 12 months to October 7, 2026, from $260,000 to $2,200,000, with $31,916,899 in total sold volume. Twenty-six sold between $300,000 and $399,999 and seventeen between $500,000 and $749,999. The table earlier on this page lists every one with its street address.

How long does it take to sell a home in Bay Beach?

The median closed home spent 99 days on the market in the 12 months to October 7, 2026. Sixteen of the 61 sold within 30 days and sixteen took 180 days or more, which is why a wrong first price costs months. Across the 289 closings outside the newest building in 60 months that report days on market, the median was 33 days.

What percentage of the list price do Bay Beach homes sell for?

The median Bay Beach sale closed at 93.8% of its final list price in the 12 months to October 7, 2026. Five of the 61 sold at exactly the final list price and none sold above it. A seller who lists near the closed-sale evidence tends to avoid the longer waits and price cuts that the 180-day group went through.

When is the best time of year to sell in Bay Beach?

By closing date, April through June is the busiest quarter. Of 291 closings in 60 months outside the newest building, 101 closed in April through June, 78 in January through March, 59 in July through September and 53 in October through December. Contracts come weeks before closings, so winter and early spring are when spring closings are won.

How many competing Bay Beach homes were for sale in October 2026?

On October 7, 2026 the MLS showed 53 Bay Beach listings, 49 active and 4 pending. Eleven are in Grandview from $1,500,000 to $3,059,000. The other 42 run from $289,900 to $1,325,000 with a median of $472,000, so the competition for an older unit is smaller than 53 suggests. A re-check on October 29, 2026 found 54 active listings and 5 pending.

How much supply is there, and what does it mean for my price?

On October 7, 2026, Bay Beach had about 9.6 months of supply, computed as 49 active listings divided by the 12-month sales pace of about 5.1 closings a month. The whole of ZIP 33931 shows about 11.5 months. More than six months of supply usually means buyers have the leverage, so pricing to the closed sales matters more than hoping.

Should I price my home off the Bay Beach median?

No. The Bay Beach median blends nine larger buildings and six smaller ones, from $375,000 at Hibiscus Pointe to $675,000 at Waterside on 12-month windows and far higher at Grandview. Price from your own building’s most recent closings, adjusted for floor, view, condition and any repairs, and check the benchmark table for the neighbors.

Does a dock or boat slip add value to my Bay Beach home?

It can, but we cannot put a number on it from the record. Slips are held in different ways, including recorded dock and slip parcels and cooperative or boating association shares, and the MLS closings do not separate the slip from the unit. A buyer will want the cooperative’s documents, the permit and the dock’s condition.

Can I sell my slip or dock separately from my unit?

That depends on how it is held. A slip recorded as its own parcel is sold by deed, while a cooperative share is transferred under the cooperative’s documents and Florida’s chapter 719 rules. We cannot say which applies to your slip without the recorded documents, which are listed by book and page earlier on this page.

What documents must I give a Bay Beach buyer?

You must provide the declaration, articles, bylaws and rules, the financial statements and budget, the frequently asked questions document and, where applicable, the milestone inspection summary or the structural integrity reserve study, under Florida Statute 718.503. The buyer has 7 days, excluding weekends and legal holidays, to cancel, and the same 7 days apply to the milestone and reserve items.

What is an estoppel certificate, and how fast must the association issue it?

An estoppel certificate is the association’s statement of what you owe and the terms of the sale, including any transfer fee or approval requirement. Under Florida Statute 718.116 the association must issue it within 10 business days, and the fee is capped by statute and adjusted for inflation by the state.

Who pays for the title policy when I sell in Bay Beach?

In Lee County the seller customarily pays the owner’s title policy, which is custom and not law, and the contract controls. Ask us or your title company for a quote early, since the cost scales with price, and make sure the contract says who pays which fee.

What are the Florida documentary stamps on a Bay Beach sale?

The deed tax is $0.70 per $100 of the price under Florida Statute 201.02. On a $425,000 sale, $425,000 divided by $100 and multiplied by $0.70 is $2,975. The seller customarily pays it, but the contract controls.

What will I owe the association at closing?

You owe any unpaid regular or special assessments through the closing date, and the estoppel certificate lists the exact amount. Some associations also collect a transfer or capital fee. Listing-entered transfer fees on 127 Bay Beach closings ran from $75 to $2,500, not verified, and the building’s estoppel governs.

Do I have to give the buyer a flood disclosure?

Yes. Since October 1, 2024, Florida law has required the seller of residential property to give the buyer a flood disclosure under Section 689.302. Give the disclosure with the resale package, and have an elevation certificate ready if you have one, since the FEMA flood map indicates VE or AE at every address we tested.

Will my building’s milestone inspection or reserve study affect my sale?

It can. The buyer’s lender and insurer will ask whether the milestone inspection and the structural integrity reserve study are complete and what they found. We compute each building’s deadline from its year built and stories in the table earlier on this page, and the seller’s package should show the actual documents.

Does a special assessment hurt my Bay Beach sale price?

It can narrow the pool of buyers, since a lender may balk and a buyer may ask for a credit. We found no published Bay Beach special assessment, and we make no price-effect claim. A seller who discloses any assessment, its purpose and its payment status up front removes uncertainty for the buyer.

Can my buyer rent the home I sell?

Only if the building’s declaration and rules allow it, and then the Town of Fort Myers Beach short-term rental registration applies to short stays. A registration number is not transferable, so a buyer who plans to rent short term must register again. No Bay Beach association publishes its rental rules.

Do I need board approval to sell in Bay Beach?

Some Bay Beach buildings require buyer approval, an application or an interview, and the listing-entered application fees on 250 closings ran from $25 to $250, not verified. We do not know which buildings require approval without the declaration, so we ask the association before we list.

What should I tell a buyer about property taxes?

Tell them the Town of Fort Myers Beach taxing district’s 2026 applied millage is 13.3108, down from 13.4329 in 2025. On a $425,000 home that is $5,657.09 at the 2026 rate before exemptions, and the buyer’s actual bill depends on the appraiser’s assessed value and non-ad valorem charges.

How do the Grandview listings affect the price of my older unit?

They mainly change the averages, not your comparables. Grandview’s 11 active listings run from $1,500,000 to $3,059,000 in homes of 2,414 to 2,923 square feet, a different product from older units. Its closings are 43 of the 334 in 60 months and 1 of the 61 in 12 months. We keep them apart when pricing an older unit.

Does the FEMA flood zone affect what buyers will pay?

It affects what buyers pay to insure the home and, for some, whether they can finance it. The FEMA flood map indicates VE at 12 feet and AE at 11 feet at the addresses we tested. Providing an elevation certificate and the master policy’s flood coverage summary helps a buyer’s agent price the risk.

Should I repair storm damage before I list?

Document the repairs and keep the permits, since the Town applies its 50 percent test per building and a buyer’s lender will ask what was repaired and under what permit. Whether a repair raises your price depends on the work and the building, and we compare finished and unfinished units in the same building before advising.

What does the 50 percent rule mean for a Bay Beach seller?

The Town’s flood rules require a building to meet current floodplain standards, including a lowest floor at least one foot above base flood elevation, when repair or improvement cost equals or exceeds half of the building’s pre-damage value. The test is per building, not per unit, and the Town’s page states a five-year look-back.

How does the difference between MLS and county sale data affect my pricing?

The MLS counts every closing, including some the county leaves out, while the county counts qualified arm’s-length sales. For the 12 months, the MLS shows 61 closings with a $425,000 median and the county shows 53 with a $410,000 median. We use both, never mixed, and we quote the series by name.

Is it better to sell as-is or renovate before listing?

It depends on the building and the condition. In a market with 9.6 months of supply and a median of 99 days, a unit that shows well and has complete documents competes better, but we do not know a renovation’s return without comps in your building. We compare renovated and unrenovated closings before recommending spend.

Do boat cooperatives or dock fees affect my sale?

Yes, if your unit comes with a slip. Dock and cooperative charges are separate from the condominium assessment, and a buyer will want the cooperative’s budget, its rules and the dock’s permit and condition. Listing agents’ fee entries often include only the condominium and master fees, so we separate the dock fee in the listing.

What happens to my short-term rental registration when I sell?

The Town’s registration numbers are non-transferable, so the buyer must register in their own name if they rent short term. Condominiums that opted out of Town enforcement have a separate building-level registration. We tell buyers early which applies, because it affects how they value the unit.

How do I choose between listing with an agent who specializes in Bay Beach and one who covers all of Fort Myers Beach?

Ask for building-level closed sales, not island-wide averages. Bay Beach alone had 61 closings in the 12 months to October 7, 2026 across fifteen buildings, and a useful comparable is often one or two closings in your own building. We pair the Bay Beach picture with the island-wide guide at our Fort Myers Beach home valuation page.

Do I need to be in Florida to sell my Bay Beach condo?

Not necessarily. Many sellers sign remotely, and the title company can advise on remote closing options. You still need the association’s estoppel certificate, your documents and an agent who can show the unit, so confirm the process with us and the title company before you list.

What will your valuation include?

It includes the nearest closed sales in your building, adjustments for floor, view and condition, the active and pending competition, and the document gaps that could affect your price. It does not include a promise of a sale price, since the market sets that. Request it through the valuation page or call Jesse at (239) 898-6072.

Why list with McGreevy and Comisar?

We lead Domain Realty Group, the #1 team in Southwest Florida since 2012, with the Top 1% Real Estate Agents Nationally Since 2008 recognition. The RealTrends Verified 2026 ranking lists the team in the Large Team category with 241 sides and $157.57 million in volume. We use that record to prepare documents first and price from your building’s evidence.

How do I get started selling my Bay Beach home?

Call Jesse at (239) 898-6072, text or call, or request the free valuation. We ask for your building and floor, pull the nearest closed sales, request the association’s document package and set a price from the evidence. Our guide to selling a home in Fort Myers Beach walks through the steps.

What We Could Not Verify

This list gathers every place where this page says a figure or fact is not available. Each item names the document or route that would settle it, so a buyer, a seller or our team can close the gap.

  • Association budgets, assessments and what they fund. No Bay Beach association publishes a current budget. Route: the budget and the estoppel certificate from the association manager.
  • Declarations, bylaws and rules. Rental, pet, approval and transfer rules are not published for any building. Route: the recorded declarations at the Official Records book and page printed above, and the seller’s statutory package.
  • Milestone inspection and reserve study status. We computed deadlines from year built and stories only and claim no status for any building. Route: the seller’s package and the state’s reserve study reporting page.
  • Certificate of occupancy dates. We used the county roll’s year built. Route: the Town of Fort Myers Beach Community Development office.
  • Zoning district of each building. The roll shows a Town zoning flag only. Route: a Town zoning verification letter.
  • Insurance. Carrier, limits, deductibles and flood coverage of each master policy are not published. Route: the manager’s insurance summary.
  • Whether any Bay Beach building lies seaward of the coastal construction control line. A line segment lies within about 500 meters of the area’s center point. Route: the Florida Department of Environmental Protection.
  • Unit counts. The state’s project records and the county roll differ at The Palms (152 and 153), Hibiscus Pointe (184 and 182), Harbour Pointe (140 and 141), Captains Bay (93 and 96) and Casa Marina (144 and 146). Route: the declarations.
  • Harbour Pointe’s year built. The county range runs from 1982 to 1995 while the state’s record is 1982.
  • Royal Pelican docks. The docks association is inactive on the state’s records while the county still records the docks. Route: the recorded instrument and the boating association.
  • The Manatee Bay association. We did not capture its state filing. Route: the Florida Division of Corporations.
  • The node definition. Our Bay Beach roll counts leave out Estero Bayside and Manatee Bay, while our MLS totals include the closings at 4182 Bay Beach Lane (Manatee Bay) and leave out Estero Bayside’s. The Waterside guide’s MLS row includes Grandview and Manatee Bay closings because the MLS files them under the Waterside development name.
  • An area-wide master association or developer history. None was found. Route: the Lee County Clerk of Courts Official Records.
  • Current status of the Fort Myers Beach pier construction and the Bowditch Point restoration. The pier groundbreaking was scheduled for August 21, 2026, and we did not confirm progress. Route: Lee County Parks and Recreation.
  • The high school serving South Zone 4. The enrollment plan lists sub-zones 1 to 3. Route: the Lee County school district.
  • Santini Village. The 2045 plan was a draft, and we did not confirm the final vote or its effect. Route: the Town’s Community Development office.
  • Estero Beach and Tennis Club per-foot pricing. The county’s heated-area field for that building repeats a single value, so we do not use its per-foot figure. Route: the unit’s floor plan in the resale package.

Sources and Authoritative References

Every link below returned a working page when we checked on October 7, 2026, or was read by our research team the same day. We list primary documents first. Official government pages are listed before news reports.

  1. Florida Statute 718.503, resale disclosure to buyers: Documents a seller must give a condominium buyer and the cancellation window.
  2. Florida Statute 718.116, assessments and estoppel certificates: Estoppel timing and the statutory fee cap.
  3. Florida Statute 718.112, bylaws and reserve study: Structural integrity reserve study for buildings of three stories or more.
  4. Florida Statute 718.111, association records: Owner inspection of official records.
  5. Florida Statute 553.899, milestone inspections: Milestone inspection timing for buildings of three or more stories.
  6. Florida Statute 201.02, documentary stamp tax on deeds: The $0.70 per $100 deed rate.
  7. Florida Statute 509.032, public lodging regulation: State preemption of vacation rental duration rules.
  8. Florida Statute 627.351, Citizens Property Insurance: Flood coverage requirement and its phase-in.
  9. Florida Statute 627.715, flood insurance: Private flood policy tiers.
  10. Florida Statute 689.302, seller flood disclosure: Flood disclosure a seller gives a buyer.
  11. Florida Office of Insurance Regulation, wind mitigation resources: The uniform mitigation verification inspection form.
  12. Florida DBPR condominium public records: Project, unit-count and recording-date extracts.
  13. Florida DBPR condominium extract file: State condominium project list read on October 7, 2026.
  14. Florida DBPR structural integrity reserve study reporting: State page for reserve study reports.
  15. Florida DBPR public records search for reserve studies: Public reserve study dataset; not queried for status.
  16. Florida Division of Corporations, Sunbiz: Association filings, document numbers and dates.
  17. Estero Bay Aquatic Preserve, Florida DEP: The preserve that borders the bay side.
  18. Florida DEP, Hurricanes Ian and Nicole beach report: Surge and storm tide measured at the Fort Myers Beach pier.
  19. Lee County Property Appraiser: Parcel roll, just value and sales records.
  20. Lee County Property Appraiser, 2025 taxing district millage book: Final 2025 millage by district.
  21. Lee County Property Appraiser, 2026 taxing district millage book: 2026 applied millage by district, printed October 9, 2026.
  22. Lee County Property Appraiser, 2025 DR-420 form: Certified millage submission for 2025.
  23. Lee County Property Appraiser, hazard and flood zone map service: Evacuation zone layer used for Bay Beach points.
  24. FEMA National Flood Hazard Layer service: Flood zones and base flood elevations at tested addresses.
  25. U.S. Census Bureau geocoder: Address locations used for the flood queries.
  26. Lee County, adopted solid waste rates: Solid waste assessment by area.
  27. Lee County Utilities: Water and sewer provider information.
  28. Lee County Parks, Bowditch Point Regional Park: Closure from September 8, 2026, fees and rules.
  29. Lee County Parks, Lynn Hall Memorial Park: County park at the pier and Times Square.
  30. Lee County Parks, boat ramps: Public motorized ramps and launches.
  31. Lee County Parks, Matanzas Pass Preserve: Preserve and paddling landing on Estero Island.
  32. Lee County Department of Transportation: Road and bridge project information.
  33. Lee County DOT, Big Carlos Pass Bridge ribbon-cutting release: Bridge design, clearance and opening dates.
  34. LeeTran Route 410 and 490 timetable: Trolley and bus service to the beach.
  35. Lee County school district, school zones: District zone pages and enrollment plan.
  36. Lee County school district, 2026-27 student enrollment plan: Elementary, middle and high school zones.
  37. Lee County GIS, school proximity zones service: Point-in-zone queries for Bay Beach Lane.
  38. Fort Myers Beach Public Library: Address and hours.
  39. Fort Myers Beach Fire Control District, contact page: Station 31, 32 and 33 addresses.
  40. FDOT SWFLRoads, San Carlos Boulevard project: Matanzas Pass Bridge corridor project.
  41. FDOT SWFLRoads, San Carlos Boulevard project flyer: Project scope and schedule.
  42. Town of Fort Myers Beach, home page: Town services and permit search.
  43. Town of Fort Myers Beach, short-term rentals: Registration program and rules.
  44. Town of Fort Myers Beach, short-term rental opt-out list 2026: Condominium buildings that opted out.
  45. Town of Fort Myers Beach, projects around town: Town and county projects.
  46. Town of Fort Myers Beach, FEMA 50 percent rule: Substantial damage and improvement test.
  47. Town of Fort Myers Beach, National Flood Insurance Program: CRS status and FEMA letters.
  48. Town of Fort Myers Beach, parking: Beach and street parking rules.
  49. Town of Fort Myers Beach, water sample results: Sample results and boil water notices.
  50. Town of Fort Myers Beach, about your tax bill: How the Town levy appears on a bill.
  51. Town of Fort Myers Beach, 2023 flood program release: Class 7 history and the 50 percent rule.
  52. Town of Fort Myers Beach, charter: The Town’s governing charter.
  53. Town of Fort Myers Beach, sea turtles: Nesting season and lighting rules.
  54. Town of Fort Myers Beach, substantial improvement and damage: Definitions and process.
  55. Town of Fort Myers Beach, Build Responsibly flyer: Elevation and rebuilding guidance.
  56. Town of Fort Myers Beach, utilities: Water service, billing and contacts.
  57. Town of Fort Myers Beach, elevation certificates: Elevation certificate information.
  58. Town of Fort Myers Beach, repair and improvement cost form: Form used for the 50 percent test.
  59. Town of Fort Myers Beach, building services FAQ: Freeboard and the 50 percent test.
  60. Town of Fort Myers Beach, flood advisory of October 2022: Definitions of substantial damage and improvement.
  61. Town of Fort Myers Beach, directory: Department contacts.
  62. Town of Fort Myers Beach, Matanzas Pass Mooring Field: Public mooring field.
  63. Town of Fort Myers Beach, public transportation: Trolley and tram information.
  64. Town of Fort Myers Beach, code of ordinances: Land Development Code and Town Code.
  65. National Hurricane Center, Hurricane Ian report: Surge and damage on Fort Myers Beach.
  66. National Hurricane Center, Hurricane Helene report: Helene surge along the Lee County coast.
  67. National Hurricane Center, Hurricane Milton report: Milton surge along the Lee County coast.
  68. National Weather Service Tampa Bay, Helene impact narratives: Water levels in coastal Lee County.
  69. National Weather Service Tampa Bay, Milton impact narratives: Water levels in coastal Lee County.
  70. U.S. Geological Survey, Hurricane Ian high-water marks: Surveyed marks on Estero Island.
  71. Citizens Property Insurance, flood requirement: Flood coverage requirement and dates.
  72. FEMA, Risk Rating 2.0: How flood insurance is priced; read by our team, blocks automated access.
  73. FEMA, increased cost of compliance coverage: Coverage after a substantial damage determination; read by our team.
  74. FEMA, technical bulletin on flood openings: Building guidance; read by our team.
  75. WGCU, new Big Carlos Pass Bridge opens to traffic: November 14, 2025 opening.
  76. WGCU, parking closures at Bonita and Fort Myers Beach: Bowditch Point and Lynn Hall closures.
  77. WGCU, beach elementary school future: School closure and bus assignment.
  78. WGCU, new Town Hall opens: Town Hall at 6231 Estero Boulevard.
  79. WGCU, utility rate increases: Water and sewer ownership.
  80. WGCU, FEMA confirms Class 5 rating: Community Rating System class and discount.
  81. WGCU, unincorporated Lee keeps flood discount: November 2024 retrograde.
  82. WGCU, Pink Shell reopens: Pink Shell resort and marina after Ian.
  83. Fort Myers Beach Talk, School Board transfers the elementary school: May 12, 2026 vote.
  84. Fort Myers Beach Talk, Big Carlos Pass Bridge ribbon cutting: June 2026 ceremony.
  85. Fort Myers Beach Talk, pier construction contract: April 2026 contract.
  86. Fort Myers Beach Talk, pier receives Army Corps approval: June 2026 permit.
  87. Fort Myers Beach Talk, resiliency meeting: Resident views on building height.
  88. Gulfshore Business, draft 2045 plan: Santini Village draft district.
  89. Fort Myers Beach Chamber of Commerce, trolley information: Trolley and tram service.
  90. Publix at Fort Myers Beach: Store hours.
  91. Friends of Lovers Key, park information: Park fees and facilities.
  92. Moss Marina: Marina services on Estero Island’s bay side.
  93. Salty Sam’s Marina: Marina and ramp on San Carlos Island.
  94. U.S. Census Bureau, American Community Survey: 2020 to 2024 housing estimates for the Town.

Downloadable Documents

These are public primary documents behind the storm, tax, rental and school sections of this page, hosted by the issuing agency.

Document

Issued

What it is

National Hurricane Center report, Hurricane Ian

Revised March 2026

Storm surge and damage figures for Fort Myers Beach and Estero Island

Lee County Property Appraiser 2025 millage book

2025

Final millage by taxing district, including the Town of Fort Myers Beach

Lee County Property Appraiser 2026 millage book

Printed October 9, 2026

2026 applied millage by taxing district, including the Town of Fort Myers Beach

Town of Fort Myers Beach short-term rental opt-out list

2026

Condominium buildings that opted out of Town enforcement

Town of Fort Myers Beach Build Responsibly flyer

Town publication

Elevation and rebuilding guidance

Lee County schools 2026-27 enrollment plan

Approved December 1, 2025

Elementary and middle proximity zones and high school zones

Market data from Southwest Florida MLS, pulled October 2026. McGreevy and Comisar, Best Realtor for Bay Beach. Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.


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Thinking about buying or selling in Southwest Florida? Tell us what you are trying to do and we will tell you honestly what it will take. McGreevy and Comisar, Domain Realty Group.