Colonial Country Club - Mill Creek

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

Mill Creek at Colonial Country Club is a condominium neighborhood inside the master-planned community of Colonial Country Club in Fort Myers, Florida, recorded as Mill Creek at Colonial and searched by buyers as Mill Creek at Colonial Country Club, Fort Myers. It is 240 two-bedroom, two-bath condominium homes in 30 buildings of eight, every one of them on Mill Creek Way, developed by Pulte Home Corporation, built from 2003 to 2005 and split into five condominium sections. In the 12 months to October 29, 2026, the Southwest Florida MLS shows 15 Mill Creek closings at a $275,000 median, and on that day only 3 more Mill Creek condos were listed, with 1 under contract. McGreevy and Comisar lead Domain Realty Group, the #1 real estate team in Southwest Florida since 2012.

A word on the name, because search results blur it. This page covers the five condominiums recorded as Mill Creek at Colonial, Sections I to V, and Mill Creek at Colonial Recreation Association, Inc., in the City of Fort Myers, Lee County, ZIP 33913, inside Colonial Country Club’s Lakes Village. It is not Mill Run at Colonial, the Hemingway Lane condominium inside the same club whose look-alike name gets mixed up with Mill Creek in MLS rows, and it is not one of the other Florida communities called Mill Creek, in Lakewood Ranch near Bradenton, in Jacksonville or in St. Johns County. Every Mill Creek home has a Mill Creek Way address, and no other Colonial condominium shares the street. Identify a Mill Creek home by its Mill Creek Way street number plus its unit number, because MLS rows have been filed under the wrong neighborhood name more than once.

If you own a Mill Creek condo and are weighing a sale, start with the market snapshot and the floor plan sections, because the four Mill Creek plans sold at very different prices in the last year, and the plan decides which recent sales a buyer will hold your price against. If you are buying, the sections below show what each plan has sold for over three years, what the club membership includes and what it does not, what FEMA’s two letters say about the 30 buildings, and which records to ask each section association for before you write an offer. Where the public record stops, we say so and name the document that would answer the question.

Why McGreevy and Comisar Are the Best Realtor for Mill Creek

McGreevy and Comisar are the best realtor for Mill Creek at Colonial Country Club because a 240-home condominium neighborhood is sold on its records: we matched every Mill Creek MLS closing to the Lee County roll and its recorded deed, and read the five section filings, the master association’s 2026 packet and FEMA’s two Mill Creek letters.

If you’re searching for the best realtor for Mill Creek in Colonial Country Club, Fort Myers, whether you’re ready to sell your Mill Creek 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. Sellers and buyers comparing the best real estate agents in Fort Myers should ask each agent to price one specific Mill Creek condo from Mill Creek’s own closings, plan by plan and building by building, and we do exactly that below, in the open. You can read more about our team and how we work.

Recent Mill Creek track record (last 12 months): In the last 12 months we tracked 15 Mill Creek resales in the Southwest Florida MLS, closed October 29, 2025 to October 29, 2026 · highest-priced Mill Creek condo sold: $325,000 · average Mill Creek sale-to-list ratio: 93.5%. The median was $275,000 (n = 15, odd, the eighth of 15), the low $160,000, the median time on market 54 days and the median price $172.20 per square foot of MLS living area. The median of the 15 sale-to-list ratios was 95.9%; the mean is pulled down by one $160,000 sale recorded as a non-qualified deed. Lee County’s own record of qualified deeds, a separate source, shows 16 Mill Creek sales from October 22, 2025 to October 21, 2026 at a $277,500 median; three of those county sales, at $345,000, $325,000 and $317,000, never appeared in the MLS.

We tracked every one of those 15 Mill Creek closings and checked each address against the Lee County Property Appraiser roll, which moved three Mill Creek Way sales into the count that the MLS had filed as The Preserve, Garden Lakes or plain Colonial Country Club. Each closing is listed in the market snapshot below by date, section, building, plan and price, and every Mill Creek MLS closing we could match to a recorded deed over three years carries the deed’s price, with one exception of $4,900 in 2023.

For Mill Creek sellers: premium marketing, including cinematic video, drone, professional photography, a qualified-buyer database, and discretion when a sale needs to stay quiet. A Mill Creek sale also needs plan-level pricing, because the four plans traded at very different levels in the last year: the 1,656 square foot end units at $315,000 and $325,000, the 1,385 square foot plan from $210,000 to $260,250. On October 29, 2026 only three Mill Creek condos were listed and one more was under contract, about 2.4 months of supply, the tightest of Colonial’s condominium neighborhoods alongside Mill Run. The master association’s sample Lakes Village estoppel says consent to transfer is not required at the master level; each section’s own declaration and rules govern the section’s part of the sale, and we read them before the first showing.

For Mill Creek buyers: the first questions are the plan and the section. The roll records every Mill Creek home as two bedrooms and two baths, but listings describe the same plans as two bedrooms, two bedrooms plus a den or three bedrooms, so a buyer compares by plan, not by label. The quarterly condominium fee in listing data differs by section: listing entries ranged from $950 a quarter in Section IV to $1,362.31 in Section I (n = 23 listing rows, Southwest Florida MLS export of October 29, 2026). The second is the carry: the master association’s 2026 Lakes Village assessment of $5,897 a year sits on top of the section fee, and a $4,700 Community Capital Contribution is due from the buyer at closing ($5,170 on contracts signed on or after November 1, 2026). The third is golf: the club membership comes with the home, but Lakes Village golf is paid by the round.

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 Mill Creek home? Get a free home valuation at mcgreevyandcomisar.com/home-valuation, or Call Jesse direct at (239) 898-6072.

Buying a home in Mill Creek? Call Marc at (239) 287-5873 for a personalized buyer consultation, or read how we represent buyers in Southwest Florida.

Key Takeaways: What Should Mill Creek Buyers and Sellers Know?

Mill Creek at Colonial Country Club buyers and sellers in Fort Myers should know eight facts from the record: the home count, the four plans, the price, the inventory, the carry, the club terms, the flood map and FEMA letters, and the six corporations behind the neighborhood, each drawn from the county roll, the MLS, FEMA and the state.

• 240 homes, 30 buildings, five condominiums. Each of Sections I to V holds 48 homes in six buildings of eight, all on Mill Creek Way, per the state’s condominium register (DBPR condominium file); the Lee County Property Appraiser roll agrees at 240 and dates 40 homes to 2003, 64 to 2004 and 136 to 2005.
• Four plans, all two bedrooms and two baths on the roll. 1,379, 1,385, 1,656 and 1,749 square feet, about 60 homes each, in the same positions in every building; listings describe them as two bedrooms, two bedrooms plus a den or three bedrooms.
• $275,000 median. Fifteen MLS closings in the 12 months to October 29, 2026, from $160,000 to $325,000, at a median 54 days on market and a mean 93.5% of the final list price (median ratio 95.9%).
• About 2.4 months of supply. Three active listings on October 29, 2026, listed from $295,000 to $315,000, with one pending and 4 expired listings in the year.
• $5,897 master assessment plus a section fee. The 2026 Lakes Village master assessment per the master association’s 2026 Informational Packet, plus a quarterly section fee that recent listing entries put from $950 in Section IV to $1,362.31 in Section I.
• Club member by ownership, golf by the round. The master association describes Colonial Country Club as bundled, with every resident a club member; Lakes Village golf costs $125 a round from January to April and October to December, and $60 from May to September in 2026.
• Zone AE on the map, with two FEMA letters. All 30 buildings return Zone AE in the FEMA National Flood Hazard Layer. FEMA’s Letter of Map Revision based on Fill, case 09-04-0399A, dated December 23, 2008, names the 12 buildings of Sections I and III and the recreation building, and case 09-04-1775A, dated March 24, 2009, covers a described land portion of Sections II, IV and V.
• Six corporations. Five section condominium associations and one recreation association, all active with 2024, 2025 and 2026 annual reports on Sunbiz, under the Colonial Country Club master association.

What Is It Like Living in Mill Creek as a Homebuyer?

Living in Mill Creek at Colonial Country Club means a two-bedroom, two-bath condominium in an eight-home building on Mill Creek Way in Fort Myers, inside a gated club community with 24-hour staffed access control, a neighborhood recreation building, and the club’s pools, courts and dining included through the Lakes Village membership, with golf paid by the round.

What Is Mill Creek at Colonial Country Club?

Mill Creek is one of five condominium neighborhoods inside Colonial Country Club, and the second largest after Garden Lakes. On the record it is five separate condominiums, Mill Creek at Colonial Section I to Section V, each run by its own condominium association, plus a sixth corporation, Mill Creek at Colonial Recreation Association, Inc. Every filed name begins “Mill Creek at Colonial”, two words, even though the county roll sometimes spells it “Millcreek”. The Florida Division of Condominiums lists each of the five sections at 48 units, a total of 240, and Pulte Home Corporation as the developer of all five (DBPR condominium file; DBPR developer file). The parent community’s other condominium neighborhoods are Garden Lakes (250 homes), The Preserve (150), Jasmine Pointe (168) and Mill Run (128).

Five Condominiums, One Recreation Association, One Master Association

A Mill Creek owner sits under four layers at once. The section’s condominium association runs the building and sets the quarterly condominium fee. Mill Creek at Colonial Recreation Association, Inc., filed with the state on June 16, 2003, sits across all five sections (Sunbiz). Above both is Colonial Country Club of Lee County Master Association, Inc., which sets the master assessment and carries the club membership. The fourth layer is the Colonial Country Club Community Development District, created by City of Fort Myers Ordinance No. 3094 on December 2, 2002. Who manages each association, and what each one charges, is covered in the governance and fee sections of this page.

One Street, Thirty Buildings: Mill Creek Way

Every Mill Creek home has a Mill Creek Way address. The 30 buildings run about 0.7 kilometers along the street, from building 18 at 11002 Mill Creek Way at the west end to building 1 at 11035 at the east end, per Lee County’s address points (Lee County NG911 address points). Buildings 1 to 17 sit on the odd street numbers from 11035 down to 11003, and buildings 18 to 30 on the even numbers from 11002 to 11030. One even number in that run, 11024 Mill Creek Way, is not a home at all: it is the neighborhood’s recreation building on a club tract. Because Mill Creek numbers its buildings 1 to 30, and Garden Lakes and Jasmine Pointe reuse low building numbers on their own streets, we confirm the recorded condominium and section of every unit, by street number and unit number together, before we compare prices.

The Home: Two Bedrooms, Two Baths, Four Sizes

Every Mill Creek home is recorded on the county roll with two bedrooms and two baths. The roll gives four sizes of heated area, and they repeat in the same positions in every building: two homes each of 1,379, 1,385, 1,656 and 1,749 square feet in each building of eight. Listing agents describe the same plans in three ways. Across the 44 Mill Creek listing rows in three years of MLS data, 26 say two bedrooms plus a den, 13 say three bedrooms and 5 say two bedrooms. The den or the third bedroom is the listing’s description, not the county record, and the same plan has carried all three labels.

What Ownership Includes Through the Club

The master association’s packet describes Colonial Country Club as a bundled community in which every resident is a club member, and the cost of membership is carried in the master assessment, $5,897 a year for a Lakes Village home in 2026 (2026 Informational Packet, page 1). The club’s own rental page describes the social membership as access to “2 community pools, clubhouse, restaurant, 8 Har-Tru tennis courts, 8 pickleball courts, bocce, and 2.3 miles of scenic walking trails”, with golf “available on a pay-as-you-play basis” (Colonial Country Club real estate page). The amenities section of this page sets out exactly what that includes and what a round costs.

Inside the City of Fort Myers

Mill Creek lies inside the City of Fort Myers, not unincorporated Lee County, so the city provides water, sewer and trash service. Lee County’s franchise layers show City of Fort Myers Utilities for water and wastewater at Mill Creek (Lee County GIS utilities layers), and trash is City of Fort Myers Solid Waste (City of Fort Myers Solid Waste). The first-due fire station is Fort Myers Fire Station 15 (Lee County GIS public safety layers). The zoning is a Planned Unit Development, the Colonial Golf and Country Club PUD under city Ordinance 3280 (LeePA zoning layers). City status also sets the permitting office, which uses the EnerGov system, and the city’s flood insurance discount, both covered later on this page.

The Gate and Getting Around

The master association’s packet describes two gated and monitored entrances and exits with “24 hour staffed access control” (2026 Informational Packet, page 1). From building 25 at 11018 Mill Creek Way, the building nearest the middle of the 30, estimated free-flow drive times are 12 minutes (4.9 miles) to I-75 at Colonial Boulevard, 17 minutes (7.8 miles) to Southwest Florida International Airport, 19 minutes to Gulf Coast Medical Center (9.2 miles), Gulf Coast Town Center (9.4 miles), downtown Fort Myers (9.4 miles) and Bell Tower (10.1 miles), 24 minutes (11.5 miles) to Florida Gulf Coast University and 36 minutes (19.5 miles) to Fort Myers Beach, by OSRM routing on OpenStreetMap roads with no traffic. Treeline Elementary is 1.9 miles and about 6 minutes away by car. Mill Creek Way sits about half a mile of internal road from Colonial Country Club Boulevard, which adds 2 to 3 minutes to each trip, and season traffic from January to April makes real trips longer than these figures.

What the Record Does Not Settle

Five things buyers ask about are not settled by the public records we read, and we will not guess at them. Parking: no primary source we read states whether a given home has a garage, a carport or open parking; the section declaration and the listing answer it for one home. Construction type: not confirmed from a primary source. Leasing and pets: no public Mill Creek rule document exists and the MLS carries no lease or pet field, so the section’s declaration and rules, read in the resale disclosure package, govern. The pool: an owner’s listing on the club’s rental page mentions “a short stroll to a satellite pool and pickleball courts”, but no deed or plat we read places a pool at the recreation building, so a buyer confirms it. Who owns the recreation tract: FEMA’s letter names the recreation building, but the deed and the recreation association’s documents say who owns and uses it. We confirm each of these on the specific home before an offer.

What We Walk a Mill Creek Buyer Through First

Before an offer on a Mill Creek condo, we take a buyer through the same list, in this order:

• The section and its quarterly fee. Listing entries ranged from $950 a quarter in Section IV to $1,362.31 in Section I (n = 23, MLS export of October 29, 2026); the section’s estoppel and budget state the real figure for that home.
• The plan. 1,379, 1,385, 1,656 or 1,749 square feet on the roll, which can differ from the square footage in the listing by more than 150 square feet.
• The address. A Mill Creek Way street number plus the unit number, so the home is a Mill Creek unit and not a Mill Run or Garden Lakes unit that an MLS row has mislabeled.
• The master assessment and closing contributions. $5,897 for 2026, a $4,700 Community Capital Contribution ($5,170 on contracts signed on or after November 1, 2026) and a $200 master estoppel, all per the packet.
• The resale documents. Under section 718.503(2), Florida Statutes, the buyer receives the declaration, articles, bylaws and rules, budget and financial statement, and a structural integrity reserve study or a statement that none was completed, and may cancel within 7 days, excluding Saturdays, Sundays and legal holidays, after receiving them.
• The flood paperwork for that building. The FEMA letter that covers the building, and the lender’s flood determination, early.
• Golf expectations. Lakes Village golf is paid by the round; a buyer who wants the Golf Village membership buys in the Golf Village.

Ready to Sell or Buy at Mill Creek at Colonial Country Club? Talk to the Team That Tracked All 15 Sales

Mill Creek is the 240-home Mill Creek Way condominium neighborhood of Colonial Country Club, and its 15 MLS closings in the last 12 months ran from $160,000 to $325,000 while only 3 more homes sat on the market. If you own one of those homes, ask McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, for a price built from Mill Creek’s own sales by plan and building. Selling? Get a free home valuation, or Call Jesse direct at (239) 898-6072. Buying? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Do Mill Creek Condos Sell For?

Condos at Mill Creek at Colonial Country Club in Fort Myers closed 15 times in the 12 months to October 29, 2026 at a $275,000 median, from $160,000 to $325,000, with a median 54 days on market, a mean sale-to-list ratio of 93.5% and a median $172.20 per square foot of MLS living area, in the Southwest Florida MLS.

Data updated: November 2026 (Southwest Florida MLS export pulled October 29, 2026, matched to the Lee County Property Appraiser roll dated November 2, 2026; Lee County recorded sales through October 21, 2026)

These are Southwest Florida MLS closings, each matched by address to its Lee County roll parcel so that only Mill Creek homes are counted. Medians use the mean of the middle pair when the count is even. Sale-to-list is the mean of each sale’s own ratio of sold price to final list price, and price per square foot is the median of each sale’s price divided by its MLS living area. None of the 15 closings is coded in the MLS as a sale entered after closing without being marketed. The 15 closings add up to $3,911,250, a mean of $260,750. Medians hide a wide range, so read them as a middle, not a promise.

Every Mill Creek Closing in the 12 Months to October 29, 2026

Fifteen sales in a year is a small market, so it is read sale by sale. Here is each one by closing date, section and building, roll plan, the listing’s bedroom label, list price, sold price, days on market and sale-to-list ratio, from the MLS export of October 29, 2026.

Source: Southwest Florida MLS export pulled October 29, 2026, with section, building and plan from the Lee County Property Appraiser roll. All 15 carry two full baths and no half bath in the MLS. The $160,000 sale on January 9, 2026, 11027 Mill Creek Way #505, sold at 64% of its list price with 0 days on market, and its deed is recorded by the county as a non-qualified sale, alongside a $100 deed on the same unit in the county file. It stays in the count because it is an MLS closing, and we say plainly that it is not good evidence of market value.

How We Built the Mill Creek Sales List

We tracked every Mill Creek closing in the Southwest Florida MLS export of October 29, 2026 and joined each listing address to its parcel on the Lee County Property Appraiser roll, so the roll’s plat name, Mill Creek at Colonial, decides what counts, not the neighborhood field a listing agent typed. A search of the MLS neighborhood field for “Mill Creek” returns 12 closings in the 12 months. The roll join adds three Mill Creek Way closings filed under other names: one coded The Preserve, one coded Garden Lakes and one coded with the generic Colonial Country Club name. The verified count is 15. The reconciliation section below shows each change.

Two Bedrooms, Two Plus a Den, Three Bedrooms

The MLS labels split Mill Creek into three groups, even though the county roll records every home as two bedrooms. The 3 closings labeled two bedrooms sold at a $276,000 median (n = 3, odd), from $222,000 to $305,000, with a median 61 days on market, a mean 96.6% of list and a median $174.39 per square foot. The 8 closings labeled two bedrooms plus a den sold at a $230,000 median (n = 8, even, the mean of $221,500 and $238,500), from $160,000 to $325,000, with a median 52 days on market (middle pair 50 and 54), a mean 90.9% of list and a median $163.12 per square foot. The 4 closings labeled three bedrooms sold at a $294,500 median (n = 4, even, the mean of $279,000 and $310,000), from $260,250 to $315,000, with a median 50 days on market, a mean 96.2% of list and a median $173.52 per square foot.

The labels follow the listing agent, not the plan. Three of the four three-bedroom closings were 1,749 square foot homes, but the fourth was a 1,385 square foot home; the den label appears on all four plans; and the one 1,749 square foot home labeled plainly as two bedrooms sold for $305,000 in October 2026. The den group’s mean ratio is low because it holds the $160,000 sale. A buyer should compare a Mill Creek home with others of the same roll plan, whatever the listing calls the extra room.

By Floor Plan: 1,379, 1,385, 1,656 and 1,749 Square Feet

Split by the roll plan of each home, the samples get small, so they are listed rather than reduced to one number where the count is low.

Source: Southwest Florida MLS export pulled October 29, 2026, each closing matched to its Lee County roll plan. The roll records one end-position unit, in building 18, at 1,749 square feet instead of 1,656, which is why those two plans show 61 and 59 homes.

The 1,749 square foot plan had the fastest market, a median 18 days, and four of its five sales fell between $279,000 and $315,000; the fifth is the $160,000 non-qualified sale. The 1,656 square foot plan produced the year’s two highest sales, $315,000 and $325,000, and both sold at 95.9% of list or better. The 1,385 square foot plan was the most traded with the 1,749, five closings, but at the lowest prices, a middle sale of $222,000 (n = 5, odd). The 1,379 square foot plan, nearly the same size, sold twice at $275,000 and $276,000 and once at $199,000 after 432 days on market. For a Mill Creek seller the plan is the first fact in the price, and the 1,379 and 1,385 plans are where condition and timing moved the price most.

By Section: I, II, III, IV and V

Building numbers by section are from the Lee County roll legal descriptions, and home counts from the DBPR condominium file. Every section is under ten sales, so we give ranges, not medians. The sections share the same four plans in the same positions, so the price differences between them come mostly from plan, condition and timing. Section V’s three closings were all 1,379 and 1,385 square foot homes, which is why its range sits lowest; Section II had the most closings, five of 15, including both the year’s high and its low.

Price Bands

The 15 closings spread evenly across a $165,000 range. Five sales reached $300,000 or more, all of them 1,656 or 1,749 square foot homes. The two sales below $200,000 were the $160,000 non-qualified sale and a 1,379 square foot home that sold for $199,000 after 432 days on market.

Month by Month

The MLS shows one Mill Creek closing in November 2025, none in December 2025, two in January 2026, one in February, one in March, two in April, three in May, two in June, one in July, one in August, none in September and one in October 2026. Eight of the 15 closed from March to June, which reflects contracts written in the winter season, when a Mill Creek listing meets the most buyers. The latest, on October 13, 2026, was a 1,749 square foot Section I home that sold at 96.8% of a $315,000 list price.

Days on Market and Sale-to-List

The median Mill Creek closing took 54 days on market (n = 15, odd), and the mean was 72.7 days, but the spread was wide: six sales closed in 20 days or fewer, three of them recorded at 0 days, and one took 432 days. The mean of the 15 sale-to-list ratios was 93.5%, and the median ratio 95.9%. Ten of the 15 closed within 5 percent of their final list price, one closed at full list, and the lowest ratio was the 64.0% of the non-qualified sale. In plain terms, a well-priced Mill Creek listing in this market sold close to its price and quickly; the long waits and deep discounts came on the smaller plans listed above their recent sales.

Price per Square Foot, MLS and County

The MLS median was $172.20 per square foot of MLS living area (n = 15, odd). The county’s own figure for its 16 qualified sales was $182.96 per square foot of heated area on the roll. The two use different square footage, so they are never compared directly: on 6 of the 15 closings the listing reported more area than the roll for the same home, which pushes the MLS figure down. The section on buildings and floor plans shows how the listing sizes map to the four roll plans.

The Highest and Lowest Mill Creek Sales

The highest Mill Creek sale in the 12 months was $325,000, a 1,656 square foot end-of-building home in Section II, building 6, marketed with a den, closed February 27, 2026 after 9 days at 95.9% of a $339,000 list price. The MLS filed it under The Preserve; the roll places it in Mill Creek at Colonial Section II. The lowest was $160,000, a 1,749 square foot home in Section II, building 5, closed January 9, 2026 with 0 days on market at 64.0% of a $250,000 list price, recorded by the county as a non-qualified deed. The lowest sale that looks like a market sale was $199,000, a 1,379 square foot Section V home in building 19 that closed April 28, 2026 at 90.7% of list after 432 days. A seller pricing a 1,749 square foot home should read the $160,000 sale as an outlier, not as the plan’s market.

How Mill Creek Compares With Its Colonial Siblings

The same MLS export and the same roll join, applied to Colonial Country Club’s other condominium neighborhoods, put Mill Creek in the upper half of the club’s condominium market on price and fastest on days on market.

Source: Southwest Florida MLS export pulled October 29, 2026, closings October 29, 2025 to October 29, 2026, each matched to its Lee County roll parcel. Home counts are from the Lee County roll, except The Preserve’s, which is the 150 units on the state’s condominium register.

Three readings matter. Mill Creek and Mill Run share a $275,000 median and the lowest supply in Colonial, about 2.4 months each, but Mill Creek had three times as many closings and its median home in the MLS is about 200 square feet smaller. Mill Creek’s median of 54 days on market is the shortest of the five. And on price per square foot, $172.20, Mill Creek sits in the middle, below Jasmine Pointe’s $183.37 and above Garden Lakes, Mill Run and The Preserve. Mill Creek’s mean sale-to-list ratio, 93.5%, looks low beside its siblings only because of the one non-qualified sale; its median ratio was 95.9%.

Selling your Mill Creek home? Get a free home valuation, or Call Jesse direct at (239) 898-6072.

Buying at Mill Creek? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

What Is on the Market at Mill Creek Right Now?

On October 29, 2026, Mill Creek at Colonial Country Club had 3 active listings, from $295,000 to $315,000 at a $299,000 median list price and a median 185 days on market, and 1 pending sale. Four Mill Creek listings had expired in the prior 12 months, and the active count equals about 2.4 months of supply.

Data updated: November 2026 (Southwest Florida MLS export pulled October 29, 2026)

Three Active Listings on October 29, 2026

We tracked all 3 Mill Creek listings that were active on October 29, 2026. They were listed from $295,000 to $315,000, with a median list price of $299,000 (n = 3, odd) and a median list price of $164.16 per square foot of MLS living area. Their median time on market that day was 185 days. Three listings is 1.2% of the neighborhood’s 240 homes.

Source: Southwest Florida MLS export pulled October 29, 2026, with section, building and plan from the Lee County roll.

How the Listings Line Up Against the Sales

Read each listing against its own plan’s sales and the picture is clear. The two 1,749 square foot listings, at $315,000 and $299,000, sit inside the $279,000 to $315,000 range that plan’s market sales covered in the year; the $315,000 listing in building 3 matches the plan’s highest sale and has been on the market 300 days. The same home was listed earlier at $298,000 and expired after 273 days before it came back at the higher price. The 1,656 square foot listing at $295,000, only 9 days on the market, is priced below both 1,656 sales of the year, $315,000 and $325,000. No 1,379 or 1,385 square foot home was listed that day, the two plans that made up eight of the year’s 15 closings.

One Pending Sale

One Mill Creek listing was pending with contingencies on October 29, 2026: a 1,656 square foot Section III home in building 9, listed at $295,000 after 164 days on market. With the last Mill Creek closing on October 13, 2026, the neighborhood went into the 2026 to 2027 season with three homes for buyers to choose from and one more under contract.

Four Expired Listings

Four Mill Creek listings expired between October 29, 2025 and October 29, 2026, listed from $292,000 to $309,000 at a $298,950 median and a median 203 days on market. One came back and sold: the 1,385 square foot home in building 9 expired at $309,000 after 134 days and then closed at $260,250 on May 6, 2026. One came back and is active: the 1,749 square foot home in building 3 expired at $298,000 and was listed again at $315,000. The other two were not active or sold in the export on October 29, 2026.

Source: Southwest Florida MLS export pulled October 29, 2026, with section, building and plan from the Lee County roll.

Three of the four expired listings were 1,379 or 1,385 square foot homes asking $292,000 to $309,000, above every sale of those two plans in the year. The one that later sold closed about $49,000 below its expired price. That is the clearest pricing lesson in the Mill Creek data for the smaller plans.

About 2.4 Months of Supply: What It Means for Sellers

Months of supply is active listings divided by the monthly pace of closings: 3 actives against 15 closings a year is 2.40 months, or about 2.4. Colonial’s other condominium neighborhoods ran from 2.4 to 11.3 months at the same pull, and only Mill Run matched Mill Creek’s figure. For a Mill Creek seller that is a seller’s market by supply, with a caveat by plan. A seller of a 1,379 or 1,385 square foot home faces no direct competition on October 29, 2026; a seller of a 1,749 square foot home competes with two listings at $299,000 and $315,000; a seller of a 1,656 square foot home competes with a $295,000 listing and a pending sale at the same list price. The sellers who sold fastest in the last year priced within a few percent of their plan’s recent sales.

What It Means for Buyers

For a Mill Creek buyer, three listings means a short list and a quick decision when the right plan appears. A buyer who wants one of the smaller plans has nothing to tour on October 29, 2026 and should be ready when one lists, because those plans made up more than half the year’s closings. A buyer who wants a 1,749 square foot home has two to compare, one of them on the market 300 days. The fixed costs of buying do not change with the price: the master assessment, the section fee and the capital contribution are the same whatever a buyer pays. We tour the competing homes in the same plan before writing an offer, because in a 240-home neighborhood with identical plans the closest comparable is often in the next building.

Selling your Mill Creek home? Get a free home valuation, or Call Jesse direct at (239) 898-6072.

Buying at Mill Creek? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

How Have Mill Creek Prices Changed Since 2023?

Prices at Mill Creek at Colonial Country Club fell after 2024 and have edged up since: the MLS median was $340,500 in the year to October 28, 2024, $265,000 in the year to October 28, 2025 and $275,000 in the year to October 29, 2026, while median days on market moved from 26 to 72 to 54.

Data updated: November 2026 (Southwest Florida MLS exports pulled October 29, 2026; Lee County recorded sales through October 21, 2026)

Three Years of Mill Creek Closings

Source: Southwest Florida MLS exports pulled October 29, 2026, each closing matched to its Lee County roll parcel. Across the three windows together, the 36 closings had a $295,000 median (n 36, even, $290,000 and $300,000).

Where the Change Happened

The Mill Creek median fell 22.2 percent from the 2023 to 2024 year to the 2024 to 2025 year, then rose 3.8 percent in the latest year. Over the full three years the median is down 19.2 percent, from $340,500 to $275,000. The first window is the strongest: eight of its 12 closings were at $326,000 or more, and five of those eight sold in 10 days or fewer. The second window is the thinnest, nine closings, with a high of $335,000. For an owner who bought in 2023 or early 2024, that history is the honest starting point of a pricing conversation, and for a buyer it means prices have stopped falling and turned slightly up, with a sale count that recovered from 9 to 15.

The Plans Over Three Years

The largest change was in the two larger plans. In the first year, the 1,656 square foot plan sold four times from $340,000 to $362,500 and the 1,749 plan five times from $290,000 to $359,900. In the latest year the 1,656 plan sold for $315,000 and $325,000, and the 1,749 plan’s market sales ran from $279,000 to $315,000. The 1,385 square foot plan moved from $287,500 to $325,000 in the first year to $230,000 in the second and $210,000 to $260,250 in the third. The 1,379 square foot plan did not sell in the first year, sold five times from $240,000 to $315,000 in the second, and three times from $199,000 to $276,000 in the latest.

Source: Southwest Florida MLS exports pulled October 29, 2026, each closing matched to its Lee County roll plan.

Price per Square Foot Over Three Years

The median price per square foot of MLS living area fell 15.3 percent, from $205.54 to $174.04, between the first two years, then 1.1 percent to $172.20 in the latest year, 16.2 percent over three years. Part of the first drop is the mix of homes that sold: the median MLS living area of the homes that closed was 1,702 square feet in the first year, 1,385 in the second and 1,536 in the third, and the first year’s sales were weighted to the larger plans. The plan-by-plan lists above are the better guide for one home.

Days on Market Has Lengthened Since 2024

Median time on market went from 26 days to 72 and then to 54 across the three years, while the number of closings went from 12 to 9 to 15. Sale-to-list ratios slipped from 96.6% to 94.1% to 93.5% on the mean; the latest median ratio was 95.9%. The latest year reads as a market that has found its level: more sales than the year before, at a slightly higher median, and faster than the 2024 to 2025 year, but well below the pace and prices of late 2023.

A Home That Sold Twice

One Mill Creek home closed in both earlier years, which gives a direct read on one unit over time. A Section IV home in building 21, a 1,749 square foot plan on the roll, closed at $290,000 on November 20, 2023 after 28 days and again at $262,000 on March 24, 2025 after 36 days. The repeat sale came in $28,000 lower, in line with the drop in the median between those two years.

The Two Earlier Years, Sale by Sale

The 21 earlier closings below fill in the three-year picture. Each is matched to its Lee County roll parcel, so the section and plan are the roll’s.

Source: Southwest Florida MLS exports pulled October 29, 2026 (closings October 30, 2023 to October 28, 2025), with section, building and plan from the Lee County roll. The September 24, 2024 sale was filed in the MLS under the generic name Colonial Country Club; the roll places it in Section III, building 11.

The County’s 12, 24 and 36 Month Windows

Lee County’s qualified deeds tell the same story from a different source. The county’s newest qualified sale in the file is dated October 21, 2026, so its windows end that day.

Source: Lee County Property Appraiser sale file, qualified sales over $1,000, matched to the Mill Creek at Colonial parcels on the roll (Lee County Property Appraiser). In the same 12 months the county also recorded 19 Mill Creek deeds that were not qualified sales or carried nominal prices of $0 or $100, including the $160,000 deed on 11027 Mill Creek Way #505; those are transfers, not market sales, and are left out. The 12-month county total was $4,433,250 across the 16 sales, a mean of $277,078.

Why Do the County Record and the MLS Show Different Mill Creek Counts?

The county record and the MLS show different counts for Mill Creek at Colonial Country Club because they record different things: the MLS shows 15 Mill Creek closings to October 29, 2026, and Lee County shows 16 qualified deeds to October 21, 2026, because three sales skipped the MLS and two MLS sales lack a qualified deed.

From 12 Name Matches to 15 Verified Closings

A search of the MLS neighborhood field for “Mill Creek” returns 12 closings in the 12 months to October 29, 2026. The roll check adds three rows. One Mill Creek Way closing was coded The Preserve, one Garden Lakes and one with the generic Colonial Country Club name; the roll places all three on Mill Creek at Colonial parcels. Twelve plus three is 15. Across all three years and every status, four Mill Creek Way closings carried another neighborhood’s name and are counted here, and one expired listing coded Colonial Country Club is a Mill Creek home as well.

The Hemingway Lane Sale That Is Not Mill Creek

The roll join works in the other direction too. One closing in the 2024 to 2025 year, at 9576 Hemingway Lane, was coded MILL CREEK in the MLS, but the roll places it in Mill Run at Colonial Section I, building 33. Mill Run is on Hemingway Lane, and no Mill Creek home is, so it is excluded from every Mill Creek figure on this page. It is the clearest example of why the look-alike names need a street check.

Three Sales the MLS Never Saw

The three county sales with no MLS row are recorded qualified deeds on parcels that have no listing in any of the four MLS exports we read, and all three are in Section III: a 1,379 square foot home in building 24, deeded November 17, 2025 at $345,000; a 1,749 square foot home in building 9, deeded March 3, 2026 at $325,000; and a 1,656 square foot home in building 10, deeded April 8, 2026 at $317,000. All three sold outside the Southwest Florida MLS. The $345,000 sale is the county’s 12-month high, which is why the county high is $345,000 while the MLS high is $325,000. For a seller, those sales are worth knowing: three Mill Creek homes traded at $317,000 or more in the year without public marketing.

Two MLS Sales With No Qualified Deed

Two MLS closings are not among the county’s 16. The $160,000 sale of January 9, 2026 has a recorded deed at the same price, but the county marks it non-qualified, so it is left out of the county figures. The $305,000 sale of October 13, 2026 had no deed in the county file yet, which ends October 21, 2026, a normal gap between closing and recording. Fifteen MLS closings, minus those two, plus the three county-only sales, is the county’s 16.

Every Matched Price Agrees With the Deed

Inside the matches, the two records agree to the dollar in all but one sale. We checked every Mill Creek MLS closing in all three years against deeds over $1,000 on the same parcel within 45 days: 14 of 14 matched deeds carried the identical price in the latest year, 9 of 9 in the year before and 11 of 12 in the first year. The one difference is a December 21, 2023 sale in building 16, listed in the MLS at $359,900 with a deed at $355,000, $4,900 lower.

Two Medians, Close Together

The county’s 12-month median, $277,500, and the MLS 12-month median, $275,000, are $2,500 apart, even though the county set includes the three off-MLS sales at $317,000 and above and leaves out the $160,000 non-qualified sale. Two independent records landing that close gives a seller and a buyer good reason to trust about $275,000 as the center of the Mill Creek market in late 2026.

How Did Mill Creek at Colonial Country Club Come to Be?

Mill Creek at Colonial Country Club came to be from 2002 to 2005, when Pulte Home Corporation, the developer of record for all five sections, filed the first two section associations in October 2002 and built 30 buildings of eight on Mill Creek Way, Section I first in 2003 and the last of Sections III, IV and V in 2005.

Pulte’s Colonial Country Club

The master association’s packet describes Colonial Country Club as a “Pulte Homes Master Planned Community”, 100% completed (2026 Informational Packet, page 1), and the state’s developer file names Pulte Home Corporation as the developer of all five Mill Creek condominiums (DBPR developer file). The master association was filed with the state in September 2002, and the City of Fort Myers created the Colonial Country Club Community Development District by Ordinance No. 3094 on December 2, 2002. The par-72 Gordon Lewis course opened in early 2003 (club history). Mill Creek came early in that plan: with Garden Lakes and Jasmine Pointe it is one of the three Colonial condominium neighborhoods built from 2003 to 2005, while The Preserve and Mill Run date from 2005 and 2006.

The Associations Came First, October 2002

Mill Creek’s governing corporations were on file before its first building was finished. Mill Creek at Colonial Section I Condominium Association, Inc. and Section II Condominium Association, Inc. were both filed on October 31, 2002, with state document numbers N02000008406 and N02000008412, six apart (Sunbiz). The recreation association followed on June 16, 2003 (N03000005144), Section III on November 17, 2003 (N03000009989), Section IV on March 28, 2005 (N05000003168) and Section V on August 24, 2005 (N05000008748). All six are active and have filed 2024, 2025 and 2026 annual reports.

Section by Section, 2003 to 2005

Each section began with a declaration recorded with its first building, and the Lee County Property Appraiser’s legal description on every unit carries the Lee County Clerk reference of the document that created it. The Florida Division of Condominiums keeps its own record date for each section.

Sources: Sunbiz; DBPR condominium file; Lee County Property Appraiser roll legal descriptions; recorded documents at the Lee County Clerk. The DBPR record date is the state’s own date for each project and is not the same thing as the Clerk’s recording date; the Clerk’s Official Records, searched by the references above, give the recording date of each declaration. All five DBPR projects show “Approved / Recorded” status, and each has paid its DBPR annual fee every year from 2022 to 2026.

Building by Building: Six Phases per Section

Every Mill Creek unit’s legal description on the roll names its section, a recording reference, usually a phase number, and a building, for example “MILL CREEK AT COLONIAL SEC I DESC IN OR 3965 PG 4528 PH I BLDG 2”. Each section added its six buildings one phase at a time, and each later building carries its own reference, the pattern of a phased condominium in which each building was added as it was finished. Sections I to IV were recorded by Official Records book and page; Section V, and Section I’s last building, by instrument number. Section I began on the east end of the street with building 2 and finished with building 1 in 2005; Section V began with building 20 and finished with building 17.

Built 2003 to 2005

The roll dates 40 homes to 2003, all in Section I; 64 to 2004, all of Section II and two Section III buildings; and 136 to 2005, Section I’s building 1, the rest of Section III and all of Sections IV and V. The county’s sale file shows the first unit sales in Section I buildings from July 2003 and in the last building, Section I’s building 1, from November 2005. A Mill Creek building is therefore 21 to 23 years old in 2026, which is the age at which roofs, building systems and association reserves become part of every buyer’s questions. The MLS year built on Mill Creek listings runs 2003 to 2005 as well, though on some rows it differs from the roll by a year; this page uses the roll.

The Recreation Association, 2003

Mill Creek at Colonial Recreation Association, Inc. was filed on June 16, 2003 as a not-for-profit corporation over the whole neighborhood. It is not a condominium and is not on the state’s condominium register. Its principal address on file is in care of its management company, Resort Management, in Naples (Sunbiz). Its articles are on file with the state, but its governing documents and what it owns were not found in public sources; the association’s own documents, delivered in a resale package, say what it does.

Mill Creek Since the Build-Out

The record after 2005 is mostly about the club around Mill Creek and about two federal letters. In December 2008 and March 2009 FEMA issued the two Letters of Map Revision based on Fill that cover Mill Creek, one naming the 12 buildings of Sections I and III and the recreation building, the other a described land portion of Sections II, IV and V, and FEMA’s revalidation letter 14-04-2182V of November 2022 kept both in effect on today’s flood map panel. A $6.5 million clubhouse project, approved in March 2019, reopened with a ribbon cutting in 2021 (The Golf Wire). The course reopened after a $9 million renovation, announced by Troon in January 2026 (Troon release, January 27, 2026), and pool deck and community center upgrades followed in 2026 (Troon release, May 14, 2026). Inside Mill Creek, Section IV’s principal address moved to MyTown Communities in July 2023 and Section V’s to Naples in February 2025, and no Mill Creek association changed managers in 2026 (Sunbiz).

What Are the Mill Creek Buildings and Floor Plans Like?

Mill Creek at Colonial Country Club in Fort Myers is 30 low-rise condominium buildings of eight homes each, all on Mill Creek Way, and every building repeats the same four plans, two homes of each: 1,379, 1,385, 1,656 and 1,749 square feet, each two bedrooms and two baths on the county roll.

Thirty Buildings of Eight

Mill Creek has 30 buildings, numbered 1 to 30, each with eight condominium units: six buildings in each of Sections I to V, which is the 240 units on the state’s condominium register. The Lee County roll agrees at 240 unit parcels and 8 units in every building, and Lee County’s 911 address points show eight unit addresses at each of the 30 street numbers. Each group of sections’ common elements is held as a separate parcel on the roll, “MILL CREEK @ COLONIAL C/E”, which the roll codes as common area rather than a home. The MLS codes Mill Creek buildings “Low Rise (1-3)” in its building design field on 43 of 44 listing rows.

Two Floors of Four

Lee County address records place four units on each of two floors, so the buildings appear to be two-story (Lee County NG911 address points). The club’s rental page agrees in its own words, describing one Mill Creek Way unit as a “second-floor carriage home” (Colonial Country Club real estate page), and the club’s real estate page groups Mill Creek with the carriage-home neighborhoods. The county roll and the MLS export carry no floor field, so this page does not split Mill Creek sales by floor, and a buyer who wants a particular level confirms it on the listing and at the showing.

How a Mill Creek Unit Number Works

A Mill Creek unit number is the building number followed by a two-digit position from 01 to 08. Unit 2705 is building 27, position 05; unit 505 is building 5, position 05; unit 1808 is building 18, position 08. The roll’s legal description reads the same way, for example “BLDG 29 UNIT 2905”. The number carries no floor: “1808” is not an eighth floor. Because Garden Lakes and Jasmine Pointe also use low building numbers on their own streets, a unit number such as 505 can exist in more than one Colonial neighborhood; the Mill Creek Way street number is what tells them apart.

The Same Eight Positions in Every Building

Source: Lee County Property Appraiser roll dated November 2, 2026; listing labels from the 44 Southwest Florida MLS rows for Mill Creek in the October 29, 2026 exports (closed over three years, active, pending and expired). The pattern holds in all 30 buildings, with one exception: unit 1808, at an end position in building 18, is recorded at 1,749 square feet. So the two end positions, 01 and 08, are 1,656 square foot homes, and the two center positions, 04 and 05, are the largest homes.

The 1,379 Square Foot Plan

The 1,379 square foot plan is one of the two smaller Mill Creek homes, 60 homes in positions 02 and 07. It was the most traded plan in the 2024 to 2025 year, with five closings from $240,000 to $315,000, but it did not sell at all in the 2023 to 2024 year. In the latest year it closed three times, at $199,000, $275,000 and $276,000, at a median 73 days on market. Listings have described the same 1,379 square foot homes as 1,379 or 1,536 square feet, and as two bedrooms plus a den more often than not.

The 1,385 Square Foot Plan

The 1,385 square foot plan is the other smaller plan, 60 homes in positions 03 and 06, six square feet larger than the 1,379 on the roll. It had five closings in the latest year, from $210,000 to $260,250 at a $222,000 middle sale and a median 50 days on market, and two of the four Mill Creek listings that expired in the year were this plan, both asking about $300,000. It carries the widest spread of labels: two bedrooms, two plus a den and three bedrooms all appear on 1,385 square foot listings. Listings have described these homes as 1,385, 1,438, 1,456 or 1,536 square feet, and once as 1,379.

The 1,656 Square Foot Plan, at the Building Ends

The 1,656 square foot plan sits at the two ends of each building, positions 01 and 08, 59 homes. Listing agents market it as two bedrooms plus a den on every listing we read. It held the top of the Mill Creek market in each of the three years: four sales from $340,000 to $362,500 in the 2023 to 2024 year, $335,000 in the next, and $315,000 and $325,000 in the latest. On October 29, 2026 one 1,656 square foot home was active at $295,000 and another pending at the same list price. Listings have described the plan as 1,656, 1,797 or 1,817 square feet.

The 1,749 Square Foot Plan, at the Building Center

The 1,749 square foot plan is the largest Mill Creek home, 61 homes in the two center positions, 04 and 05. Listing agents most often market it as three bedrooms, and sometimes as two bedrooms plus a den or two bedrooms. It sold fastest in the latest year, a median 18 days on market across five closings, and its four market sales ran from $279,000 to $315,000. In the 2023 to 2024 year it sold five times from $290,000 to $359,900. Both active 1,749 square foot listings on October 29, 2026 were marketed as three bedrooms. Listings have described the plan as 1,749, 1,797 or 1,857 square feet.

Why the Listing Square Footage Differs From the Roll

The MLS shows ten different living-area figures for Mill Creek homes across three years of listings, but every one of them maps back to one of the four roll plans when the listing is matched to its parcel.

Source: the 44 Southwest Florida MLS rows for Mill Creek in the exports pulled October 29, 2026, each matched to its Lee County roll parcel. The larger listed figures recur on the same plans, so they look like a different way of measuring, not different plans; some listings include space the appraiser does not count as heated area. For pricing, we compare homes by roll plan, and we tell a buyer when a listing’s square footage is not the roll’s.

Every Mill Creek Building by Address

Source: Lee County Property Appraiser roll dated November 2, 2026, legal descriptions. Every building’s flood zone, and the FEMA letter that covers it, is covered in the flood section of this page.

Building Height and What the Record Says

The MLS codes Mill Creek buildings as “Low Rise (1-3)”, a category that spans one to three stories, and Lee County address records place four units on each of two floors, so the buildings appear to be two-story. The question matters because Florida’s structural integrity reserve study law, section 718.112(2)(g), and the milestone inspection law, section 553.899, reach condominium buildings of three or more habitable stories. A Mill Creek buyer asks each section association whether its buildings fall under either law and requests the structural integrity reserve study, or the statement that none was completed, that the resale disclosure requires; the section on those laws explains the rest.

What We Could Not Confirm: Parking, Construction and Finishes

Three building details buyers ask about were not confirmed from a primary source. Parking type is not in the MLS exports we read and is set out in each section’s declaration. Construction type is not in those exports either; the appraiser’s building detail and the City of Fort Myers permit records would answer it. Interior finishes, flooring rules and what an owner may change inside a unit are governed by each section’s declaration and rules, read in the resale package. City of Fort Myers permits are required for roof, window, exterior door, shutter and air conditioning replacements (City of Fort Myers, Do I Need Permits), filed through the city’s EnerGov portal (City of Fort Myers Electronic Permits), and in a condominium the association decides which of those items are its responsibility. Today’s design wind speed at every Mill Creek building is 160 mph, inside the wind-borne debris region, on the county’s code map (LeePA hazard layers); that is the current code standard, not the one in force when the buildings were permitted from 2003 to 2005.

Selling your Mill Creek home? Get a free home valuation priced from your plan’s own sales, or Call Jesse direct at (239) 898-6072.

Buying at Mill Creek? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

What Amenities and Club Membership Come With a Mill Creek Condo?

A condo at Mill Creek at Colonial Country Club in Fort Myers comes with a neighborhood recreation building at 11024 Mill Creek Way and Lakes Village club membership, carried in the $5,897 master assessment for 2026: two resort pools, tennis, pickleball, bocce, trails and dining, with golf paid by the round, $125 in season and $60 off season.

Mill Creek’s Own Recreation Building at 11024 Mill Creek Way

Mill Creek is one of the few Colonial neighborhoods with a named facility of its own in a federal record. FEMA’s 2008 letter lists a “Rec. Bldg.” at 11024 Mill Creek Way, described as Tracts 100-A, 102-A and 102-B of Colonial Country Club Parcels 100 through 104-1, alongside the 12 Section I and III buildings, and moved it out of the high-risk flood area into shaded Zone X (FEMA LOMR-F 09-04-0399A). The Lee County roll carries Tract 100-A at 11024 Mill Creek Way as a common-area parcel with a 219 square foot improvement built in 2003, and Tract 102-A with a 180 square foot improvement built the same year. An owner’s listing on the club’s rental page mentions “a short stroll to a satellite pool and pickleball courts” from a Mill Creek Way unit (Colonial Country Club real estate page), but no deed or plat we read confirms a pool at the tract, who owns it or what it includes; the recreation association’s documents and budget, requested with the section’s in the resale package, answer those questions, and a buyer confirms the pool on a visit.

Bundled Means Every Resident Is a Member

“Bundled” is the master association’s word. Its 2026 packet lists Colonial Country Club as a bundled community in which all residents are club members, counts 1,699 units (711 Golf Village homes and 988 Lakes Village homes), states that Troon Golf has managed the club since founding as a Troon Privé club, and reports $2.5 million in reserve funds (2026 Informational Packet, page 1). The membership is not an optional purchase layered on top of a Mill Creek home; its cost is carried in the master assessment, $5,897 a year for a Lakes Village home in 2026, against $11,975 for a Golf Village home. Listing data confirms the Lakes Village rate for Mill Creek: 17 of the 23 current Mill Creek listing rows show $5,897 as the master fee, and older rows show the earlier Lakes Village figures, $4,244, then $4,741, then $4,880. The mandatory club fee field shows $0 on 41 of the 44 Mill Creek listing rows across three years, because the club cost sits in the master assessment.

What the Lakes Village Membership Includes

The club’s own description of what a Mill Creek resident’s social membership reaches is on its rental page: “2 community pools, clubhouse, restaurant, 8 Har-Tru tennis courts, 8 pickleball courts, bocce, and 2.3 miles of scenic walking trails”, with the 18-hole championship course “available on a pay-as-you-play basis” (Colonial Country Club real estate page). In plain terms: a Mill Creek owner uses the club’s pools, racquet courts, trails and dining as part of the membership and pays a per-round rate for golf. The Golf Village membership, with its own rate, comes with Golf Village homes and their higher assessment, so a buyer who wants it buys in the Golf Village rather than at Mill Creek.

Golf by the Round: $125 or $60 in 2026

Mill Creek owners play golf by the round. The packet’s 2026 Lakes Village rate is $125 per round from January to April and October to December, and $60 per round from May to September (2026 Informational Packet, page 8). A nine-hole round for the Golf and Lakes Villages is half the 18-hole rate. A Mill Creek buyer who plays often should weigh the per-round cost against the Golf Village’s $11,975 assessment and its home prices before choosing a neighborhood; a buyer who plays a few rounds a season, mostly in summer, pays $60 a round.

What the Club Assessments Mean for a Mill Creek Owner

The 2025 course and club work was paid for through special assessments, and the packet separates them by village. The 2025 Golf Course Renovation assessment of $5,445 applies to each of the 711 Golf member units, not to Lakes Village homes such as Mill Creek’s. The 2025 Master Plan special assessment, approved in April 2025, reads in the packet: “Total Master Plan special assessment per each Community member unit (1,699 doors) = $2,100”, which includes every Mill Creek home, with an additional $6,934 for Golf member units only (2026 Informational Packet, pages 5 and 6). The packet does not state the payment schedule for the $2,100; whether any balance is owed on a particular home appears on that home’s estoppel certificate.

The Course After the 2025 Renovation

The course is a par-72 Gordon Lewis design that opened in early 2003, the year Mill Creek’s first buildings went up. It reopened after a $9 million renovation, announced by Troon on January 27, 2026 (Troon release, January 27, 2026). For a Mill Creek owner who plays by the round, that means a newly rebuilt course at the Lakes Village rate, without the Golf member renovation assessment.

Tennis, Pickleball and Bocce

The club lists eight Har-Tru tennis courts, eight pickleball courts and bocce (Colonial Country Club real estate page). They fall inside the social membership, so they are open to Mill Creek owners. Whether the “pickleball courts” in the Mill Creek Way rental listing are the club’s eight courts or a separate set near the recreation building is not settled by the records we read. Fees for lessons and league entry are set by the club; the master association’s packet does not publish them.

Pools, Fitness and the Community Center

The club has two resort pools with spas and a fitness and community center (Troon release, October 28, 2026). The pool deck and community center were upgraded in 2026 (Troon release, May 14, 2026), the work the $2,100 Master Plan assessment paid toward. Troon announced in 2023 that the club was named one of America’s Healthiest Clubs, and described a 160-acre preserve with a boardwalk (Troon release). These are the club’s facilities, open to members, and they sit alongside Mill Creek’s own recreation building.

Dining at the 2021 Clubhouse

The current clubhouse is the product of a $6.5 million project approved in March 2019 and opened in 2021, which added 1,800 square feet of indoor and 1,500 square feet of outdoor dining and doubled the kitchen (The Golf Wire). The master association calls it the Vision 2020 clubhouse project; construction began in May 2020 and was completed in February 2021, and a quarterly installment of $107 per home continues until September 15, 2028. The packet says “The buyer may choose to continue with quarterly installments of $107.00 OR pay off the remaining installments at closing”, and the fee section of this page sets out how it is handled (2026 Informational Packet, page 4). Dining falls inside the social membership, so it is part of the club every Mill Creek owner can use.

The Gate, Bulk Cable and Reclaimed Water

Three community services come through the master association rather than the club’s sports program. The gate: two gated and monitored entrances with 24-hour staffed access control. Bulk cable and internet: a Comcast/Xfinity bulk agreement billed at $252 a quarter in 2026 for the HD X1 platform and internet service. And irrigation: the master association’s reclaimed water agreement with the city, billed by usage and pro-rated at closing (2026 Informational Packet, pages 1 and 2).

What the Mill Creek Recreation Association Does

Mill Creek at Colonial Recreation Association, Inc. is an active not-for-profit corporation with 2024, 2025 and 2026 annual reports on file, managed through Resort Management, the same firm whose address Section III uses (Sunbiz). Its own governing documents were not found in public sources, so whether it owns the recreation tract, runs the recreation building and bills owners separately is not confirmed in the records we read. The master association’s sample Lakes Village estoppel answers “YES” to “Is there a Neighborhood HOA”, which is why a Mill Creek resale involves more than one association. A buyer asks for the recreation association’s documents and budget along with the section’s in the resale package, and we read them together.

Ready to Talk About a Mill Creek Sale or Purchase?

Mill Creek owners sell a two-bedroom condo with a neighborhood recreation building and a club membership attached, and on October 29, 2026 buyers had only 3 Mill Creek listings to choose from. McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, price and market a Mill Creek home from its own plan’s sales and explain the Lakes Village membership accurately, golf by the round and all. Selling? Get a free home valuation, or Call Jesse direct at (239) 898-6072. Buying? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

Who Governs Mill Creek at Colonial Country Club?

Mill Creek at Colonial Country Club in Fort Myers is governed by six Florida not-for-profit corporations: the Mill Creek at Colonial Recreation Association and five condominium associations, one for each of Sections I to V. All six are active on the state record with 2024, 2025 and 2026 annual reports, under Colonial’s master association and community development district.

Six Corporations on the State Record

Source: Florida Division of Corporations, Mill Creek at Colonial name search, detail pages read November 10, 2026. Every filed name begins “Mill Creek at Colonial”, written as two words. The same name list also returns unrelated Florida entities, such as Mill Creek at Cooper City and Mill Creek at Kendall Town, so the state’s document number search is the cleanest way to pull one Mill Creek entity. None of the six shows an administrative dissolution or a reinstatement in its filing history, and there is no Section VI.

The Recreation Association

Mill Creek at Colonial Recreation Association, Inc. was incorporated on June 16, 2003, and it sits across all five sections. It is not a condominium and does not appear in the state’s condominium register. Its articles are on file with the Division of Corporations. What it owns, what it budgets and whether it bills owners separately are not stated in any public document we found, so a buyer gets those answers through the resale package and the manager. The most likely recreation asset is Mill Creek’s own recreation building at 11024 Mill Creek Way, which FEMA’s 2008 flood letter names as the “Rec. Bldg.” on Tracts 100-A, 102-A and 102-B (see the flood section below). The public record we read does not say which corporation holds those tracts.

The Five Section Condominium Associations

Each section of Mill Creek is its own condominium, with its own declaration, board, budget, reserves and quarterly fee. A Mill Creek owner is a member of the one section association that holds the owner’s building, and also of the recreation association and the master association. That is why two Mill Creek units of the same size on the same street can carry different quarterly fees and different management companies. Sections I and II were incorporated on the same day, October 31, 2002, Section III in November 2003, Section IV in March 2005 and Section V in August 2005.

Every one of the 240 units sits on Mill Creek Way, in 30 buildings of 8 units, six buildings to a section:

Buildings 1 to 17 carry odd street numbers, from 11035 at the east end down to 11003; Buildings 18 to 30 carry even numbers from 11002 at the west end up to 11030. The one even number in that run that is not a residential building, 11024, is the recreation building. Because the sections were built in phases on both sides of the street, a section is not one block: Section I, for example, holds Buildings 1 to 4 on the odd side and Buildings 29 and 30 across the street.

Who Manages Each Section

The Division of Corporations shows four management arrangements for Mill Creek (Sunbiz name search), and the state condominium register adds a fifth name:

• Resort Management for the recreation association and for Section III, at 2685 Horseshoe Drive South, Suite 215, Naples, the principal address, mailing address and registered agent on both records since May 21, 2020.
• D&D Association Services for Section II, at 11000 Metro Parkway, Suite 4, Fort Myers, the registered agent and the principal and mailing address, which moved to that address on March 27, 2025.
• MyTown Communities for Section IV, care of 2830 Winkler Avenue, Suite 101, Fort Myers, the principal and mailing address since July 14, 2023.
• Sandcastle Community Management for Section I, as named on the state condominium register’s managing-entity record at 9150 Galleria Court, Suite 201, Naples, which is also Section I’s principal address on Sunbiz.
• Section V: the current manager is listed with the association’s Sunbiz filing, which a buyer or closing agent reads before ordering documents.

For a buyer, the practical point is that a Mill Creek resale can involve different managers depending on the building: the estoppel, the resale documents and any approval application for a Building 9 unit come through Resort Management, while the same paperwork for a Building 27 unit comes through D&D Association Services. The state condominium register’s managing-entity records for Sections IV and V still show earlier managers, so the Sunbiz record is the one to trust. We confirm the current manager on the state record for every Mill Creek listing we handle.

The Master Association and the Club

Above the five sections sits Colonial Country Club of Lee County Master Association, Inc., and the master association’s own 2026 Informational Packet describes Colonial as a “Pulte Homes Master Planned Community” that is “100% Completed”, with “1,699 Total Units”, split as “711 Golf Village Homes, 988 Lakes Village Homes”. The packet calls it a “Bundled Community” where “All Residents Are Club Members”, and says the club has been “Managed by Troon Golf LLC since founding”. Mill Creek is a Lakes Village neighborhood: 17 of the 23 current Mill Creek listing rows carry the packet’s $5,897 Lakes Village master assessment, so a Mill Creek home carries the Lakes Village assessment and the Lakes Village membership.

The Colonial Country Club Community Development District

The fourth layer is the Colonial Country Club Community Development District, a Chapter 190 special district created by City of Fort Myers Ordinance 3094 on December 2, 2002. Its charges appear on the county tax bill rather than in an association invoice. So a Mill Creek owner answers to four layers at once: the CDD on the tax bill, the master association, the Mill Creek recreation association and the owner’s own section condominium association.

Which Florida Law Governs Each Layer

The five section associations are condominium associations registered with the state, so Chapter 718 of the Florida Statutes governs them. The master association is the community layer above them, and the CDD is a Chapter 190 special district. Which chapter the recreation association answers to depends on its recorded documents, which are not public and which we have not read.

What the State Condominium Register Shows

Source: Florida Division of Condominiums, Timeshares and Mobile Homes condominium register and annual fee payment history, downloaded November 10, 2026 from the DBPR public records page. The five sections add to 240 condominium units: 48 x 5 = 240, and the Lee County Property Appraiser’s 2026 roll agrees at 240 unit parcels. The billed amount equals the state’s $4 a unit, so $192 for each 48-unit section, which independently confirms the count. The register’s developer file names Pulte Home Corporation as developer of all five sections, and every section was current on its state fees for every year from 2022 to 2026. The register’s project street field lists Colonial Country Club Boulevard with older ZIP codes for some sections; every Mill Creek unit’s real address is on Mill Creek Way, Fort Myers 33913.

Where Owners Find Records

Florida law requires “An association managing a condominium with 25 or more units which does not contain timeshare units” to “post digital copies of the documents specified in subparagraph 2. on its website or make such documents available through an application that can be downloaded on a mobile device”, within 30 days after the association receives or creates the record (Section 718.111). Each Mill Creek section has 48 units, so all five section associations are over the threshold. We found no public Mill Creek association website; owner portals, if a section runs one, sit behind the manager’s login. A buyer asks the section’s manager for the portal location and requests the current documents during the contract.

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Are the HOA Fees and Costs to Own a Condo in Mill Creek?

Owning a condo in Mill Creek at Colonial Country Club in Fort Myers means a quarterly section fee that listing entries put at about $950 to $1,362 by section, the 2026 Lakes Village master assessment of $5,897 a year, bulk cable and internet at $252 a quarter, a $107 quarterly Vision 2020 installment, the CDD line and property tax.

Data updated: November 2026 (Southwest Florida MLS fee fields, export pulled October 29, 2026; master association 2026 Informational Packet, revised September 2026)

The Fee Stack, Line by Line

Quarterly Condominium Fees by Section

The section fee is the line that differs inside Mill Creek. These are the figures listing agents entered in the MLS on the 23 current Mill Creek rows (the 15 closings in the 12 months to October 29, 2026, plus the 3 active, 1 pending and 4 expired listings), with the number of rows behind each section.

Source: Southwest Florida MLS fee fields on Mill Creek Way rows, every row matched to the Lee County roll by address, export pulled October 29, 2026 (n 23). These are listing-reported entries, not an association schedule. Agents type the section fee into the “HOA Fee” field on some listings and the “Condo Fee” field on others, so treat any single entry with care. The section’s current budget and the estoppel certificate are the binding figures for any one unit.

Why the Sections Differ

Every Mill Creek section has the same 48 units in six buildings of eight, so size does not explain the spread. Section I’s listing entries ran highest, about $1,276 to $1,362 a quarter, and Section IV’s lowest, $950 on three of its four rows, a gap of roughly $326 to $412 a quarter between the two. No public document we read explains the difference; the section budgets answer it, and a buyer reads the budget for the section that holds the unit inside the 7-day review window.

Two and Three Years Ago

The same fields on older Mill Creek closings show the direction of travel. On closings from October 2024 to October 2025, Section I rows read $1,204.68 and $1,276.08 a quarter, Section II $1,226, Section III $1,267 and Section IV $950 on three rows. On closings from October 2023 to October 2024, Section I rows read $1,204 and $1,206, Section II $1,054, Section III $962 to $1,188 and Section V $980 on two rows and $1,055.03 on another. Read across the three years, Section II’s entries rose from $1,054 to $1,226 and Section V’s from $980 and $1,055.03 to $1,120. Section IV’s $950 has held steady on the rows that report it. The series is thin, so treat these as listing snapshots rather than a fee history.

How the Master Assessment Has Moved

The master assessment on Mill Creek listings tracks the master association’s Lakes Village figure year by year: $4,244 on most closings from October 2023 to October 2024, $4,741 and $4,880 on closings from October 2024 to October 2025, and $5,897 on 17 of the 23 current rows. The $5,897 matches the packet’s 2026 Lakes Village annual master assessment, against $11,975 for the Golf Village half of Colonial. The 2026 step from $4,880 to $5,897 is $1,017 a year ($5,897 minus $4,880), or $84.75 a month ($1,017 divided by 12). The “Mandatory Club Fee” field reads $0 on 41 of the 44 Mill Creek rows we read across three years, consistent with the packet’s statement that the community is bundled and membership is carried in the master assessment.

Annual Carry, Worked per Section

The recurring association and master charges for one Mill Creek unit, before property tax, the CDD line, insurance and utilities, work out this way for 2026 using each section’s middle listing entry (Section III at $1,272, inside its middle pair):

Arithmetic on the listing-reported section fees and the master association’s 2026 packet, not a bill. It leaves out property tax, the CDD line, the unit owner’s insurance, electricity, any water billed to the unit, the effluent irrigation charge, golf rounds, dining and the one-time $2,100 Master Plan share if it is still open on the unit. The section fee for a particular unit comes from that section’s budget and estoppel.

Two refinements matter. In Section I, the $1,362.31 entry gives $12,782.24 a year (4 x $1,362.31 = $5,449.24, plus $5,897, $1,008 and $428), or $1,065.19 a month. In Section IV, the single $1,100 entry for Building 23 gives $11,733 a year (4 x $1,100 = $4,400, plus the same three lines), or $977.75 a month, so ask whether that building carries a different charge.

Read across the table, the gap between Section I and Section IV is $1,408 a year ($12,541 minus $11,133), or $117.33 a month. For comparison, the MLS “Total Annual Recurring Fees” field on 22 of the 23 current Mill Creek rows ran from $10,089 to $12,801 (one row left out the master assessment and is not counted), which brackets the worked totals above.

One-Time Costs at Purchase

The master association’s sample Lakes estoppel lists what is due to the club at a Mill Creek closing (2026 Informational Packet, page 2):

• Community Capital Contribution, $4,700, due from the buyer, on a separate check. The packet notes “$5,170.00 Please note: Increase effective on contracts signed November 1, 2026, or after.” The step is $470 ($5,170 minus $4,700).
• 2026 master assessment, $5,897, “To be Pro-Rated between Buyer and Seller”.
• Cable and internet, $252 a quarter, prorated.
• Effluent irrigation water, “Based on Usage”, prorated.
• Estoppel fee, $200 (rush $300), due from the seller.

The Golf Village estoppel on page 3 of the same packet adds a $5,000 golf capital contribution and the $11,975 Golf Village assessment; neither applies to a Lakes Village home such as Mill Creek. The Mill Creek section association, and possibly the recreation association, issue their own estoppels with their own items.

Special Assessments on the Master Record

The packet describes two master-level special assessments that reach a Mill Creek unit:

• Vision 2020 clubhouse renovation. “Construction commenced in May 2020 and was completed in February 2021.” In the packet’s words, “The outstanding quarterly assessment over the course of the eight-year loan on this property is $107.00 with final quarterly installment to be billed September 15, 2028,” and “The buyer may choose to continue with quarterly installments of $107.00 OR pay off the remaining installments at closing” (packet, page 4).
• 2025 Master Plan. “In April 2025, The Master Board Association approved a special assessment to repay the loan for maintenance, repair and replacement aspects of the Master Plan relating to the Club Facilities (Community Center and pool deck), Golf Facilities and material alterations aspects of the cart barn.” The packet states “Total Master Plan special assessment per each Community member unit (1,699 doors) = $2,100” (packet, page 6). The “Additional Master Plan special assessment per each Golf member unit (711 doors) = $6,934” and the separate $5,445 golf course renovation assessment on page 5 apply to Golf member units only, not to Mill Creek.

The packet does not publish a payment schedule for the $2,100, so whether a given unit’s share has been paid or is still carried as a balance shows on that unit’s master estoppel. The master’s sample estoppel leaves its “Any Special Assessments” line open, to be completed for each unit, so each closing gets its own answer. Section-level special assessments, if any, appear on the section estoppel.

What Golf Costs a Mill Creek Owner

Club membership comes with the home through the master assessment, but Lakes Village golf is paid by the round. The packet’s 2026 golf rate table lists the Lakes Village rate at $125 a round from January to April and October to December, and $60 a round from May to September, and notes that “9-Hole rates for all categories is 60% of the 18-Hole rate (except Golf & Lakes Villages, which is 50%)” (2026 Informational Packet, page 8). So a Lakes Village nine-hole round runs about $62.50 in season and $30 in summer. A buyer who plans to play several rounds a week in season should price those rounds into the monthly budget.

What the MLS Transfer and Application Fields Mean

The MLS “Transfer Fee” field on Mill Creek listings reads $4,700 on 15 of the 23 current rows, which matches the master association’s $4,700 Community Capital Contribution; the other current rows read $0 (4 rows), $200 (2), $4,290 (1) and $500 (1), and older closings read $4,290, $3,900, $3,800 or $3,600, tracking the master contribution in earlier years. We found no separate Mill Creek section or recreation transfer fee in any public source, so read that field as mostly the master contribution; the $200 and $500 entries are questions for the section manager. The “Application Fee” field reads $150 on 16 of the 23 current rows, $125 on 3, $200 on 2, $100 on 1 and $0 on 1, which points to a section-level application charge on most sales. All of these are listing-entered values; the estoppels settle them for a real closing.

Property Tax and the CDD Line

Mill Creek is inside the City of Fort Myers, so the November tax bill carries city, county, school and special district millage plus the CDD’s non-ad valorem line. A homestead owner’s taxable value usually sits below the sale price, and a buyer’s first full tax bill resets on the purchase. We do not print a computed tax bill for a Mill Creek unit; the unit’s record at the Lee County Property Appraiser, searched by Mill Creek Way street number and unit number, and the tax bill itself are the sources.

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Do the Mill Creek Declarations and Resale Disclosures Say?

Mill Creek at Colonial Country Club in Fort Myers was created by five Declarations of Condominium recorded in Lee County from 2003 to 2005, one per section, each extended building by building in six phases. Florida’s resale law gives a Mill Creek buyer those documents at the seller’s expense and a 7-day cancellation window.

Five Declarations, by Recording Reference

Sections I to IV were recorded in the Lee County Official Records by book and page; Section V, recorded in 2005, is cited by Clerk instrument number. The first phase of each section, which carries the declaration, is:

Source: the recording references as carried in the Lee County Property Appraiser’s 2026 legal descriptions for each unit; dates from the state’s condominium register. The DBPR date is the state’s own record date and may not be the day the declaration was recorded with the Clerk. FEMA’s 2008 flood letter independently cites two of them: the Section I declaration “in Official Record Book 03965, Pages 4528 through 4623” and the Section III declaration “in Official Record Book 04419, Pages 4815 through 4907” (FEMA LOMR-F 09-04-0399A). The recorded documents are at the Lee County Clerk of Courts, searchable by book and page or instrument number.

Phased Condominiums, Building by Building

Each later building in a section carries its own recording reference and, on most buildings, a phase number in its unit legal descriptions:

That pattern is consistent with phased condominiums where each phase was added by an amendment to the section’s declaration; we read the references on the roll, not the recorded amendments. Phase order and recording order do not always line up (Section I’s phase 4 reference is later than its phase 5), and Building 1, the last Section I building added, carries a 2005 instrument number although the rest of Section I dates from 2003. Each section’s common elements also appear on the roll as their own parcel. A buyer’s title agent pulls the declaration and every amendment for the section, because a later recorded amendment controls over the original text.

Reading a Mill Creek Unit Number

A Mill Creek unit number is the building number followed by a two-digit position from 01 to 08, so unit 2705 is Building 27, position 05, and unit 205 is Building 2, position 05. The unit number is not a floor number. On the roll the plat name is usually “MILL CREEK AT COLONIAL”, and a few buildings read “MILLCREEK AT COLONIAL” as one word; all of them belong to the five Mill Creek section associations.

The Building Number Trap

Garden Lakes, Colonial’s condominium neighborhood on Colonial Country Club Boulevard, numbers its buildings 1 to 25, and Mill Creek numbers its own 1 to 30, so the same building and unit number can exist in both neighborhoods. MLS labels slip too: in the past year, Mill Creek Way closings were coded under The Preserve, Garden Lakes and the generic Colonial Country Club name. Identify any Mill Creek unit by its Mill Creek Way street number plus unit number, in the contract, the title order and the insurance application, never by unit number alone.

What a Resale Buyer Is Entitled To

Under section 718.503(2)(a), Florida Statutes, “Each prospective purchaser who has entered into a contract for the purchase of a condominium unit is entitled, at the seller’s expense, to a current copy of all of the following”: the declaration of condominium, the articles of incorporation, the “Bylaws and rules of the association”, “An annual financial statement and annual budget of the condominium association”, “A copy of the inspector-prepared summary of the milestone inspection report as described in s. 553.899, if applicable”, “The association’s most recent structural integrity reserve study or a statement that the association has not completed a structural integrity reserve study”, any qualifying turnover inspection report, and “The document entitled ‘Frequently Asked Questions and Answers’ required by s. 718.504” (Section 718.503). The buyer is also entitled to the division’s governance form. For Mill Creek, that package comes from the unit’s section association. The master association’s packet adds: “At time of closing, the Master Association and Neighborhood documents should be transferred from the Seller to the Buyer.”

The 7-Day Cancellation Window

Each Florida condominium resale contract must contain one of two clauses. Either the buyer acknowledges receiving the documents “MORE THAN 7 DAYS, EXCLUDING SATURDAYS, SUNDAYS, AND LEGAL HOLIDAYS, BEFORE EXECUTION OF THIS CONTRACT”, or the contract states “THIS AGREEMENT IS VOIDABLE BY BUYER BY DELIVERING WRITTEN NOTICE OF THE BUYER’S INTENTION TO CANCEL WITHIN 7 DAYS, EXCLUDING SATURDAYS, SUNDAYS, AND LEGAL HOLIDAYS, AFTER THE DATE OF EXECUTION OF THIS AGREEMENT BY THE BUYER AND RECEIPT BY BUYER OF A CURRENT COPY OF” the listed documents (Section 718.503(2)(d)). The statute adds that “ANY PURPORTED WAIVER OF THESE VOIDABILITY RIGHTS SHALL BE OF NO EFFECT”, that the “BUYER’S RIGHT TO VOID THIS AGREEMENT SHALL TERMINATE AT CLOSING”, and that “A contract that does not conform to the requirements of this paragraph is voidable at the option of the purchaser before closing.” Every Mill Creek sale today is a resale, because Pulte sold out the five sections years ago, so the 7-day resale window applies rather than the 15-day developer window in section 718.503(1).

For a Mill Creek seller, delivering the section’s documents early starts that clock early. For a buyer, those seven business days are the time to read the section budget (the line that explains why Section I’s fee runs higher than Section IV’s), the reserve schedule, the leasing and pet rules, and any special assessment notice.

When a Required Report Is Missing

Section 718.503(2)(e) addresses contracts where a required milestone inspection or turnover inspection report applies (Section 718.503). Whether that reaches a Mill Creek section depends on whether its buildings fall under the milestone and structural integrity reserve study laws, which is covered in the SIRS section below.

Estoppel Certificates

A Mill Creek resale involves at least two estoppel certificates: the master association’s and the section condominium association’s. Under section 718.116(8), the section association issues the certificate within 10 business days of a request, and “Each association shall designate on its website a person or entity with a street or e-mail address for receipt of a request for an estoppel certificate”. The statutory fee “may not exceed $250, if, on the date the certificate is issued, no delinquent amounts are owed”, with “an additional fee of $100” for delivery within 3 business days, and a further amount that “may not exceed $150” if the account is delinquent (Section 718.116). The statute indexes those caps, and the Division of Condominiums publishes the current adjusted figures (DBPR estoppel certificate fees). Whether the recreation association issues its own estoppel is a question for its manager.

Master-Level Transfer Rules

At the master level, the sample Lakes estoppel answers “Consent to transfer required: NO” and asks “Is there a Neighborhood HOA”, answered YES with the neighborhood’s management name and telephone number (2026 Informational Packet, page 2). So the master association does not approve a Mill Creek sale, but the section association is a separate question: the $150 application fee that appears on most Mill Creek listings points to a section-level application, and any approval, interview or right of first refusal sits in the section’s own declaration and rules, read in the resale package.

Is Mill Creek Age-Restricted?

We found no age restriction in any public document for Mill Creek or the master association, and the five section declarations govern occupancy.

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

Can You Rent Out a Condo in Mill Creek?

A condo in Mill Creek at Colonial Country Club in Fort Myers can be leased only under its own section’s declaration and rules. The minimum lease length, any limit on leases per year, tenant approval steps and fees sit in each section’s recorded documents, which can differ among Sections I to V.

What the Public Record Shows

We found no public Mill Creek leasing document. The master association’s 2026 packet is silent on leasing, the state’s Sunbiz and DBPR records carry no rules, and the Southwest Florida MLS export has no lease or rental field, so none of the 44 Mill Creek Way listing rows we read across three years states a minimum lease or a leases-per-year limit. The minimum lease term, whether the section board must approve each tenant and any cap on leases are read in the section’s declaration and rules, delivered in the resale disclosure package. Community-wide leasing figures that circulate for other Colonial neighborhoods are not Mill Creek’s rules and should not be relied on here.

Where the Real Rules Live

Leasing limits for a Florida condominium normally sit in its Declaration of Condominium and rules, and Mill Creek has five of them, one per section. A resale buyer receives them at the seller’s expense under Section 718.503. Read the leasing section of your section’s declaration and every recorded amendment before relying on a rental plan.

A Leasing Amendment Binds the Next Owner

Under section 718.110(13), an amendment that prohibits renting, changes the rental term or limits how often a unit may be rented applies only to owners who consent to it and to owners who take title after it takes effect (Section 718.110). For a Mill Creek buyer, that cuts one way: a seller who did not vote for a later leasing restriction may be exempt from it, but the buyer takes title subject to every leasing amendment already in effect for that section. Ask the section’s manager whether any leasing amendment has been recorded, and when.

How Tenants Use the Club

The club’s own rental page says Colonial tenants “enjoy a social membership with access to 2 community pools, clubhouse, restaurant, 8 Har-Tru tennis courts, 8 pickleball courts, bocce, and 2.3 miles of scenic walking trails”, and that “Golf is available on a pay-as-you-play basis” (Colonial Country Club real estate and rentals). Whether the owner keeps club privileges while a unit is leased, and how tenants are registered at the gate, are set by the master association and the section manager.

Seasonal Renting in Practice

Mill Creek sits about 17 minutes from Southwest Florida International Airport and about 12 minutes from I-75 at Colonial Boulevard, without traffic (drive times below), which suits seasonal tenants. The section declaration’s minimum lease term decides whether seasonal leasing works for a given unit. Ask for the section’s leasing rules before counting on weekly or monthly rentals, because no public Mill Creek document settles them. A tenant also needs a way through Colonial’s staffed gate.

Questions to Ask Before You Buy to Rent

• What is the minimum lease term in this section’s declaration and rules?
• How many leases are allowed in a year, and is it a calendar year or a rolling year?
• Does the section board approve tenants, and what are the application fee and timeline?
• Has any leasing amendment been recorded, and on what date?
• Does the recreation association or the master association register tenants or charge a tenant fee?
• Does the owner keep any club privileges while the unit is leased?
• Are there rules on vehicles, pets or guests that bind tenants?

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Are the Pet Rules in Mill Creek?

Pets in Mill Creek at Colonial Country Club in Fort Myers are governed by each section’s declaration and rules. We found no public Mill Creek pet document and no pet field in the MLS, so the number, size and kind of pet allowed is read in the section’s resale disclosure package before you commit to a unit.

What the Public Record Says

The master association’s 2026 Informational Packet is silent on pets, and the Southwest Florida MLS export carries no pet column for any of the 44 Mill Creek Way rows we read. There is no public source we can quote on Mill Creek pet limits, and we do not repeat listing-agent remarks as rules.

The Declarations and Rules Govern

Pet rules in a Florida condominium normally sit in the declaration and the association’s rules, and Mill Creek has five sets, one for each section. A rule that applies in Section II may not read the same way in Section V, and a later amendment can change it. Ask the section’s manager for the current rules and any recorded amendment, and read them inside the 7-day review window.

Questions to Ask About Pets

• How many pets are allowed per unit, and are there weight or breed limits?
• Does the section require pet registration or board approval?
• Are there leash, lanai or common-area rules, and do they bind tenants and guests?
• Do the rules differ for owners and tenants?
• Does any recorded amendment change the original declaration’s pet language?

Do Florida’s Condo Milestone and SIRS Laws Apply to Mill Creek?

Florida’s milestone inspection and structural integrity reserve study laws reach condominium buildings of three or more habitable stories. Lee County address records place four Mill Creek units on each of two floors, so the buildings appear to be two-story; buyers ask each section association whether either law applies and request the SIRS statement the resale disclosure requires.

What the SIRS Law Says

Section 718.112(2)(g) states that “A residential condominium association must have a structural integrity reserve study completed at least every 10 years after the condominium’s creation for each building on the condominium property that is three habitable stories or higher in height, as determined by the Florida Building Code”. It adds that “Associations existing on or before July 1, 2022, which are controlled by unit owners other than the developer, must have a structural integrity reserve study completed by December 31, 2025, for each building on the condominium property that is three stories or higher in height” (Section 718.112). All five Mill Creek sections existed before July 1, 2022.

What the Milestone Law Says

Section 553.899 requires owners of “a building that is three habitable stories or more in height as determined by the Florida Building Code and that is subject, in whole or in part, to the condominium or cooperative form of ownership” to have a milestone inspection “by December 31 of the year in which the building reaches 30 years of age, based on the date the certificate of occupancy for the building was issued, and every 10 years thereafter” (Section 553.899); the local enforcement agency may set 25 years for local conditions. Both laws turn on three habitable stories, so a two-story building sits below the line.

What the Records Show About Mill Creek’s Buildings

Lee County’s NG911 address points record a floor for each unit, and they place four Mill Creek units on the first floor and four on the second at 29 of the 30 buildings; Building 20 at 11006 Mill Creek Way shows five and three, which reads as a data-entry variance (Lee County NG911 address points). An owner’s listing on the club’s rental page describes a unit at 11029 Mill Creek Way as a “second-floor carriage home” (Colonial Country Club rentals), and 43 of 44 Mill Creek Way MLS rows code the building design as “Low Rise (1-3)”, a range that does not settle the count by itself. The unit number carries building and position, not floor. So the address records point to two-story buildings, and the section association, its engineer and the City of Fort Myers building records give the formal answer for each building.

What the Resale Package Must Include

The resale disclosure under Section 718.503(2) includes “The association’s most recent structural integrity reserve study or a statement that the association has not completed a structural integrity reserve study”, and the summary of any milestone inspection “if applicable”. So every Mill Creek resale package should carry either a study or a statement, and the buyer should read which one it is and the reason given.

The State’s SIRS Lists

The Division of Condominiums publishes lists of submitted structural integrity reserve studies on its SIRS reporting page. We did not search those lists for Mill Creek. A buyer can look up the section by name and put the result to the section’s manager. We never describe the contents of any association’s reserve study, which are association records.

What a Buyer Should Ask For

Whatever the story count, every Florida condominium budget carries reserve questions. Ask each section for the current budget with its reserve schedule, the last two years of financial statements, the insurance declarations, any roof or engineering reports, and the minutes that discuss roofs, painting, paving or special assessments. Mill Creek’s buildings date from 2003 to 2005, so roofs, paint and paving cycles are the reserve lines to read closely, and those documents show whether a future section assessment is likely.

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Flood Zone Is Mill Creek In, and How Do Hurricanes Affect It?

Mill Creek at Colonial Country Club in Fort Myers returned FEMA Zone AE at all 30 buildings and the recreation building we queried, on FIRM panel 12071C0433G, effective December 7, 2018. Two FEMA letters from 2008 and 2009 cover different parts of Mill Creek, and the neighborhood is in Lee County evacuation Zone D.

Data updated: November 2026 (FEMA National Flood Hazard Layer and Lee County layers queried November 10, 2026; FEMA CRS list effective October 1, 2026)

Zone AE at All 30 Buildings, on One Panel

We queried FEMA’s live National Flood Hazard Layer on November 10, 2026 at a point on each of the 30 Mill Creek buildings and the recreation building, located from Lee County’s NG911 address points for Mill Creek Way. Every point returned Zone AE, inside the special flood hazard area, on panel 12071C0433G effective December 7, 2018, and the Lee County Property Appraiser’s own copy of the flood layer (LeePA flood zones) agreed at every point. Unlike some Colonial neighborhoods, Mill Creek sits entirely on one panel.

FEMA defines Zone AE as part of the special flood hazard area (FEMA flood zone glossary), the area that FEMA’s own letter describes as one “that would be inundated by the flood having a 1-percent chance of being equaled or exceeded in any given year (base flood)”. The City of Fort Myers is NFIP community 125106. The FEMA map shows the special flood hazard area; the two letters below are what change the picture for Mill Creek.

Two Letters, Two Different Kinds of Coverage

FEMA issued two Letters of Map Revision based on Fill (LOMR-F) for Mill Creek, and they do not cover the same thing. The first names buildings; the second describes land.

Both letters use a 1 percent annual chance flood elevation, the base flood elevation, of 21.4 feet (NAVD 88), and both name Six Mile Cypress Slough as the flooding source.

LOMR-F 09-04-0399A: Sections I and III, Building by Building

FEMA’s letter of December 23, 2008, case 09-04-0399A, is titled “LETTER OF MAP REVISION BASED ON FILL, DETERMINATION DOCUMENT (REMOVAL)” (FEMA Map Service Center, 09-04-0399A). Its legal description covers “Buildings 1 through 4, 29 and 30, Mill Creek at Colonial, Section I (inclusive of all units)”, “Buildings 8 through 11, 24, and 25, Mill Creek at Colonial, Section III (inclusive of all units)” and a “Recreation Building, described as Tracts 100-A, 102-A, 102-B, Colonial Country Club, Parcels 100 through 104-1”. It removes thirteen structures from the special flood hazard area:

Every street number in the letter matches the 2026 county roll’s building map exactly, and the letter covers all six buildings of Section I and all six of Section III. For a buyer in those two sections, that is a named, address-level match: the letter says which building it covers. The recreation building went to shaded Zone X, the moderate-risk band, rather than unshaded X.

LOMR-F 09-04-1775A: A Land Portion in Sections II, IV and V

FEMA’s second letter, dated March 24, 2009, case 09-04-1775A, works differently (FEMA Map Service Center, 09-04-1775A). Its legal description is “A portion of Sections II, IV, and V, Mill Creek, shown as a portion of Colonial Country Club, Parcels 100, 101, 102, 103, 104, and 104-1, on the Plat recorded as Instrument No. 5859223, in Plat Book 74, Pages 75 through 79”, followed by two metes-and-bounds descriptions, one for “Section II, Mill Creek” and one for “Sections IV and V, Mill Creek”. The determination table lists two rows, Section II and Sections IV and V, each marked “Portion of Property” and removed to Zone X (shaded). It names no building and gives no building address.

So the letter removes a surveyed area of land in Sections II, IV and V, not the 18 buildings in those sections by name. Whether a particular building, such as Building 27 at 11022 Mill Creek Way or Building 16 at 11005, sits inside the described portion is confirmed per address, by plotting the letter’s metes and bounds against the plat or through a surveyor or the lender’s flood determination. We do not claim that all 18 Section II, IV and V buildings are covered. The letter also carries a “FILL RECOMMENDATION” consideration, under which the community certified the filled area and stated that structures built on it are reasonably safe from flooding.

One practical tip: the latitude printed on this letter reads 26.886, a typo for 26.586, which places FEMA’s own map point for the case about 33 kilometers north of Mill Creek. Search for it by case number, not by map location.

Land Around the Buildings Stays in the Flood Area

Both letters carry the additional consideration “PORTIONS OF THE PROPERTY REMAIN IN THE SFHA”, and the 2008 letter states that “any future construction or substantial improvement on the property remains subject to Federal, State/Commonwealth, and local regulations for floodplain management.” In plain terms, the letters remove named buildings or a described area, not all of Mill Creek’s ground, and any rebuild or major improvement still answers to the city’s floodplain rules.

The 2022 Revalidation Keeps Both in Force

Both letters were issued on the 2008 F panel, 12071C0433F. FEMA’s revalidation letter for the City of Fort Myers, case 14-04-2182V, dated November 16, 2022 and effective November 18, 2022, lists “09-04-0399A 12/23/2008 MILL CREEK AT COLONIAL, SEC. I, BLDGS 1-4, 29 & 30 & SEC. III, BLDGS 8-11, 24, 25 & REC. BLDG.” and “09-04-1775A 3/24/2009 A PORTION OF MILL CREEK, SECTIONS II, IV, & V” on panel 12071C0433G, among letters that “are still valid as of the effective date”. Revalidated letters remain in effect until superseded by a later letter or a revision of the FIRM panel. FEMA’s live layer marks both as not incorporated into the map polygons, which is why the map still reads AE at every building, and it still shows the December 7, 2018 G panel at every Mill Creek building, so no later panel has superseded them as of November 10, 2026.

What a LOMR-F Does and Does Not Do

FEMA says these letters are a document that “officially removes a property and/or structure from the SFHA”, and that the letter eliminates the federal flood insurance purchase requirement while “the mortgage lender retains the prerogative to require flood insurance as a condition of providing financing” (FEMA, LOMA and LOMR-F). Each Mill Creek determination says “the Federal mandatory flood insurance requirement does not apply. However, the lender has the option to continue the flood insurance requirement to protect its financial risk on the loan.” So for a Section I or III building, the map still paints Zone AE, the 2008 letter removes the named building, and a buyer’s lender decides whether to require flood coverage after reading it. For a Section II, IV or V building, the first question is whether the building sits inside the 2009 letter’s described portion. Neither letter sets a premium: under Risk Rating 2.0, National Flood Insurance Program pricing does not rest on the flood zone alone (FEMA, Risk Rating 2.0).

Which Letter Applies to Your Unit

Hand the insurance agent and the lender the right letter along with the Mill Creek Way street number and unit number; it answers the first question a flood quote asks.

The City’s CRS Class 6 Discount

FEMA’s list of Community Rating System communities effective October 1, 2026 shows the City of Fort Myers (NFIP community 125106) at Class 6, a 20 percent discount, current effective October 1, 2025 (FEMA CRS eligible communities, October 2026). Mill Creek is inside the city, so the discount reaches NFIP policies written there. The city’s CRS page is the place to ask for flood information and elevation certificates, and it sets substantial improvement and substantial damage at 50 percent of market value, which matters for any major repair on land that remains partly in the AE zone.

Evacuation Zone D and Storm Surge

Lee County places all 30 Mill Creek buildings and the recreation building in evacuation Zone D (Lee County evacuation zones layer; county Zone D sheet). The county’s storm surge layer marks the area as first reached in a modeled Category 4 storm (Lee County storm surge layer). Lee’s zones run A to E with rising elevation and are built on surge modeling; the evacuation zone is not the FEMA flood zone. Residents follow the order issued for their zone on the day, through the county’s Know Your Zone lookup.

Storm History and What We Do Not Claim

We found no primary source covering Mill Creek or Colonial Country Club in damage reporting on Hurricane Ian (2022) or Hurricanes Helene and Milton (2024), and we make no claim that the neighborhood flooded or stayed dry. The flooding source in both of FEMA’s Mill Creek letters is Six Mile Cypress Slough, a freshwater source, not Gulf surge. A buyer asks the section association for its insurance claim and repair history, and the seller’s disclosure covers what the seller knows about the unit.

Wind Design and the Construction Era

The Lee County Property Appraiser’s wind layer returns a 160 mph design wind speed (Risk Category II) and the wind-borne debris region at all 30 Mill Creek buildings (LeePA wind speed layer). That is today’s code map, not the value used when the buildings were permitted. The roll dates the buildings to 2003 (40 units), 2004 (64) and 2005 (136); the 2004 Florida Building Code took effect on October 1, 2005 (Florida Building Code implementation dates), so Mill Creek’s buildings were most likely permitted under the 2001 code. Lee County adopted its wind and debris map by Ordinance 02-07. That reading comes from the dates, not from permit records, which we did not pull.

Insurance Layers in a Condominium

In a Florida condominium the association insures the building and common elements, and owners commonly carry their own unit-owner (HO-6 style) coverage. We do not state what any Mill Creek section’s master policy includes; ask for the declarations page and deductible during the contract. Florida’s wind mitigation inspection form changed to OIR-B1-1802 (Rev. 04/26) for inspections on or after April 1, 2026 (Citizens Property Insurance); for a condominium, roof and opening features are usually association items, so ask the section what wind mitigation documentation it holds.

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

Which Schools Serve Mill Creek?

Mill Creek at Colonial Country Club in Fort Myers falls in Lee County School District elementary zone J, middle zone EE and the East 2 high school choice zone for the 2026/27 school year. Treeline Elementary is about 1.9 miles away by road, and Gateway High School earned an A for 2025-26.

The Zones for a Mill Creek Address

Source: School District of Lee County enrollment zones for the 2026/2027 school year, as published for the district’s School Site Locator (zone layers), queried on November 10, 2026 at Buildings 2, 8, 13, 17, 20, 25 and 30 and at the recreation building, with identical results at all eight points.

Treeline Elementary

Treeline Elementary, 10900 Treeline Avenue, is the nearest zone J school: about 1.9 miles and 6 minutes from Building 25 at 11018 Mill Creek Way by road, without traffic.

Gateway High’s Grade

The School District of Lee County reported that Gateway High School earned an A in the 2025-26 school grades, and that the district rated a B overall (School District of Lee County, 2025-26 school grades). We did not find official 2025-26 letter grades for the other zone schools in a source we could read, so we do not print them.

How Lee County Choice Works

Lee County zones set which schools a student may choose and which provide bus service; they do not assign one fixed school. A Mill Creek family ranks schools within the zone. Confirm the zone for the exact unit address on the district’s School Site Locator or with Student Enrollment, 2855 Colonial Boulevard, 239-334-1102, through the district’s main site, and check the current choice calendar.

How Far Is Mill Creek From the Airport, Beaches and Hospitals?

Mill Creek at Colonial Country Club in Fort Myers is about 17 minutes and 7.8 miles from Southwest Florida International Airport, 12 minutes from I-75 at Colonial Boulevard, 19 minutes from Gulf Coast Medical Center and 36 minutes from Fort Myers Beach, by free-flow routing from Building 25 at 11018 Mill Creek Way.

Data updated: November 2026 (open-source routing without traffic from Building 25, run November 10, 2026)

Drive Times From Mill Creek

Method: routes from Building 25, 11018 Mill Creek Way, the building nearest the middle of Mill Creek’s 30 buildings, on the public OSRM router over OpenStreetMap data, with destinations located by address. A cross-check from Colonial Country Club Boulevard near the club ran 0.5 to 0.6 mile and 2 to 3 minutes shorter on every row, which is the drive out of Mill Creek to the main club road. Times are free-flow; January to April drives run longer. The two I-75 rows use approximate interchange points.

Airport and Interstate

The airport run is about 17 minutes to the RSW terminal without traffic, which matters for seasonal owners, visiting relatives and anyone who flies for work. The two nearby I-75 interchanges, Colonial Boulevard (Exit 136) and Daniels Parkway (Exit 131), are 12 to 13 minutes away without traffic, so an owner can use whichever suits the trip.

Beaches and Islands

Fort Myers Beach at Lynn Hall Memorial Park is about 36 minutes, and Sanibel’s lighthouse end about 47 minutes plus the causeway toll. Mill Creek is an inland, east-of-I-75 location: the beach is a drive, and the trade is a shorter airport run and an evacuation zone well inland of the coast.

Hospitals, Shopping and the University

Gulf Coast Medical Center, Lee Health’s hospital on Doctors Way, is about 19 minutes from Mill Creek, and HealthPark Medical Center about 28 minutes. Gulf Coast Town Center, Bell Tower Shops and downtown Fort Myers are each about 19 minutes, The Forum about 11, and Florida Gulf Coast University about 24. All times are free-flow; in season, allow more.

What Are the Daily Logistics in Mill Creek?

Daily life in Mill Creek at Colonial Country Club in Fort Myers runs through Colonial’s two gated entrances with 24-hour staffed access control, City of Fort Myers water, sewer and trash, bulk cable and internet billed by the master association, Fort Myers Fire Station 15, and City of Fort Myers permits and PUD zoning.

Gate and Access

The master association’s packet lists “Two Gated and Monitored Entrances and Exits” with “24 hour staffed access control” (2026 Informational Packet, page 1), and the master association has a traffic jurisdiction agreement with the Fort Myers Police Department. Mill Creek’s 30 buildings line Mill Creek Way for a little under half a mile, from Building 18 at 11002 on the west end to Building 1 at 11035 on the east end, and the street sits about 0.6 mile of internal road from Colonial Country Club Boulevard. Every Mill Creek home is on Mill Creek Way; the street is not shared with another Colonial neighborhood. Which gate is nearer to Mill Creek is not published. Showings, deliveries and contractors pass through the gate’s guest process.

Water, Sewer and Account Setup

Lee County’s utility franchise layers place Mill Creek in City of Fort Myers Utilities’ water and wastewater service area, 239-321-8100 (Lee County utilities layers). The city runs its own water and wastewater system (City of Fort Myers, Water and Wastewater). Setting up new water, sewer and trash service carries a $36 service charge and a $175 deposit (City of Fort Myers, Establish New Service). Whether each Mill Creek unit has its own water account or a section uses a master meter is not in a public source we read; ask the section’s manager.

Reclaimed Water and Irrigation

The master association has a reclaimed water use agreement with the City of Fort Myers, and its sample Lakes estoppel prorates a quarterly “Effluent Irrigation Water” charge “Based on Usage” (2026 Informational Packet, pages 1 and 2).

Trash and Recycling

City of Fort Myers Solid Waste collects in Mill Creek (City of Fort Myers, Solid Waste); the Lee County Property Appraiser’s county garbage and recycling district layers return no polygon at the Mill Creek buildings, consistent with city service rather than a county franchise. Whether a Mill Creek building uses carts or a shared container is set by the section; ask the manager for the pickup days and rules.

Cable and Internet

Colonial’s packet describes “Quarterly billings of $252 for HD X1 platform and X Blast internet service” under its bulk agreement with Comcast/Xfinity (2026 Informational Packet, page 1). That is $1,008 a year (4 x $252), prorated at closing, and it is already counted in the annual carry table above.

Fire, Police and City Ward

Mill Creek is in the City of Fort Myers fire district (2033 Jackson Street, 239-321-7311), and Lee County’s response-zone layer shows Fort Myers Fire Station 15, 9700 Treeline Avenue, as first due at the sample buildings (Lee County public safety layers). Traffic enforcement inside Colonial runs under the master association’s agreement with the Fort Myers Police Department. On the city council map, Mill Creek is in Ward 6, and it is in School Board District 2 (LeePA district layers).

Permits and the EnerGov Portal

Mill Creek is inside the City of Fort Myers (Lee County city limits layer), so building permits come from the city, which runs permits on Tyler EnerGov (City of Fort Myers, Electronic Permits; EnerGov self-service portal); questions go to [email protected] or 239-321-7925. The city’s permit table lists roofs, windows, exterior doors, shutters, air conditioner replacement and remodels as needing a permit, while a water heater replacement and exterior painting do not (City of Fort Myers, Do I Need Permits). In a condominium, roofs and exterior walls are normally association work, and any owner change visible from outside also needs the section board’s approval under its documents. Because both FEMA letters leave portions of the property in the special flood hazard area, any substantial improvement is also reviewed against the city’s floodplain rules. A buyer can search a unit’s permit history by address in the EnerGov portal.

Zoning and Land Use

Lee County Property Appraiser zoning layers show Mill Creek zoned PUD, Planned Unit Development, “Colonial Golf & Country Club”, PUD Ordinance 3280, with a City of Fort Myers future land use of S/C Special Community and no airport noise zone (LeePA zoning layers). The plat behind Mill Creek is Colonial Country Club Parcels 100 through 104-1, Plat Book 74, Pages 75 to 79, and the roll shows a submerged lake parcel inside it. Changes to the planned development go through the city.

Items to Confirm for a Specific Unit

Parking, mail delivery, the recreation building’s hours and rules, and which association holds Tracts 100-A, 102-A and 102-B are not settled by a public source we read. An owner’s listing on the club’s rental page mentions “a short stroll to a satellite pool and pickleball courts” near 11029 Mill Creek Way (Colonial Country Club rentals); buyers confirm with the recreation association what that facility is, who owns it and who may use it. Each item is answered by the section’s declaration, its rules, the recreation association and the manager, and we confirm them for every Mill Creek listing we handle.

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

How Does Mill Creek Compare With the Other Colonial Condominium Neighborhoods?

Mill Creek sells fastest of the five condominium neighborhoods in Colonial Country Club, Fort Myers, with the thinnest shelf: 15 closings in the 12 months to October 29, 2026 at a $275,000 median and a 54-day median time on market, with only 3 active listings and about 2.4 months of supply.

Data updated: November 2026 (Southwest Florida MLS, closed October 29, 2025 to October 29, 2026, plus active, pending and expired listings on October 29, 2026; membership checked against the Lee County Property Appraiser roll)

Five Condominium Neighborhoods on One Yardstick

Sources: Southwest Florida MLS export pulled October 29, 2026, with every listing address joined to its Lee County Property Appraiser roll parcel so each sale counts in the neighborhood its plat names, not the label the listing agent typed; The Preserve’s unit count is the state condominium register’s; medians use the middle pair for an even count (Garden Lakes: $220,000 and $224,900); sale-to-list is the mean of each sale’s ratio to its final list price; price per square foot uses MLS living area. Months of supply is actives divided by the 12-month closings per month (for Mill Creek, 3 divided by 15/12 = 2.40). The Mill Run row rests on five sales and is a range more than a market rate.

Where Mill Creek Leads, and Where It Trails

We tracked every condominium closing in Colonial Country Club for the 12 months to October 29, 2026. Mill Creek’s 15 closings were 15 of the 62 across the five neighborhoods (18 + 13 + 15 + 11 + 5 = 62), about 24 percent, while its 3 actives were only 3 of the 31 on the market that day (17 + 5 + 3 + 5 + 1 = 31), about 10 percent. Mill Creek had the shortest median time on market of the five, 54 days, and tied Mill Run for the least supply at about 2.4 months. Turnover was 15 closings on 240 units, about 6.25 percent of the neighborhood in a year, against 8.7 percent for The Preserve (13 of 150), 7.2 percent for Garden Lakes (18 of 250), 6.5 percent for Jasmine Pointe (11 of 168) and 3.9 percent for Mill Run (5 of 128). The one soft spot is the average discount: Mill Creek’s mean sale-to-list of 93.5 percent is pulled down by a single $160,000 sale at 64 percent of list; the median ratio across the 15 sales was 95.9 percent.

Mill Creek and The Preserve

The Preserve at Colonial Country Club is the lower-priced alternative. Mill Creek’s median sale is $43,000 higher ($275,000 against $232,000) on a median unit about 99 MLS square feet larger (1,536 against 1,437), so Mill Creek’s price per square foot, $172.20, runs $18.16 above The Preserve’s $154.04. Mill Creek also sold faster, at a 54-day median against 104. One Mill Creek closing in the past year, at 11025 Mill Creek Way, was coded under The Preserve’s name in the MLS, and we count it here, where its plat puts it.

Mill Creek and Garden Lakes

Garden Lakes at Colonial Country Club is Mill Creek’s twin on age and size: both were built from 2003 to 2005, with 250 units in Garden Lakes against 240 in Mill Creek. Mill Creek trades $52,550 higher at the median ($275,000 against $222,450) on a median unit about 241 MLS square feet larger (1,536 against 1,295), and per square foot Mill Creek runs $6.99 more ($172.20 against $165.21). The cleanest difference is inventory: Garden Lakes held 17 active listings on October 29, 2026 for 11.3 months of supply, against Mill Creek’s 3 and about 2.4. A buyer has far more choice in Garden Lakes; a Mill Creek seller faces very little direct competition. Both neighborhoods number their buildings from 1, so a Mill Creek Way street number is the only reliable way to tell a Building 9 in one from a Building 9 in the other.

Mill Creek and Jasmine Pointe

Jasmine Pointe at Colonial Country Club has the highest condominium median in Colonial at $300,000, $25,000 above Mill Creek’s, on a median unit only 18 MLS square feet larger (1,554 against 1,536). Per square foot, Jasmine Pointe runs $11.17 more ($183.37 against $172.20). Jasmine Pointe’s median time on market was 102 days against Mill Creek’s 54, and it held 5 actives against Mill Creek’s 3, so Mill Creek offers a similar-sized unit for less money in a quicker market.

Associations and Recreation Buildings

Mill Creek’s six corporations, a recreation association plus five section condominium associations, are separate from every sibling’s, so a Mill Creek fee, rule or estoppel never comes from a neighboring association. FEMA’s 2008 letter names Mill Creek’s own recreation building at 11024 Mill Creek Way. Every Mill Creek owner also uses the master club’s pools, courts and fitness through the Lakes Village membership.

A note for Mill Creek sellers. With only 3 competing listings and about 2.4 months of supply, a well-priced Mill Creek unit is not fighting a crowded shelf, but the 4 expired listings of the past year show that an overpriced one still sits. McGreevy and Comisar have been Top 1% Real Estate Agents Nationally Since 2008, and we price every Mill Creek unit against its own roll floor plan, its section fee and the most recent same-plan sales on Mill Creek Way, not the neighborhood average. Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

Mill Creek vs Mill Run at Colonial: Which Fits Your Priorities?

Mill Creek and Mill Run at Colonial Country Club in Fort Myers sold at the same $275,000 median in the past year. Mill Creek offers 240 units on its own street, Mill Creek Way, three times the sales to price against and quicker sales; Mill Run offers larger median units on Hemingway Lane in a much thinner market.

The Mill Creek vs Mill Run Decision Table

Sources: Southwest Florida MLS export pulled October 29, 2026, roll-verified; Lee County Property Appraiser 2026 roll; state condominium register; Florida Division of Corporations (Mill Creek at Colonial); FEMA letters 09-04-0399A and 09-04-1775A.

Look-Alike Names, Different Streets

The names are close enough that the MLS mixes them up. In the window from October 2024 to October 2025, a Hemingway Lane unit at 9576 Hemingway Lane was coded “MILL CREEK” in the MLS although the county roll places it in Mill Run at Colonial Section I; we excluded it from every Mill Creek figure on this page. The test is the street: every Mill Creek home is on Mill Creek Way, and every Mill Run home is on Hemingway Lane. Always confirm the plat on the county roll before comparing a sale.

Price and Size

The two medians are identical at $275,000, but Mill Run’s median unit is about 208 MLS square feet larger (1,744 against 1,536). Per square foot, Mill Creek runs $7.64 more ($172.20 against $164.56). A buyer who prices by the total check pays about the same in either; a buyer who needs the most room per dollar looks at Mill Run, and a buyer who wants a choice of four plans on the roll, from 1,379 to 1,749 square feet, looks at Mill Creek.

Speed, Depth and Negotiation

Mill Creek sold faster at the median, 54 days against 61, and at a smaller average discount to list, 93.5 percent against 91.5 percent. Six Mill Run listings expired in the 12 months against Mill Creek’s 4, on about half as many units. With only 5 Mill Run closings in the MLS, Mill Run’s figures are a range, not a market rate. Mill Creek’s 15 MLS closings and 16 qualified county sales in the year give a buyer and a seller far more comparables to price against.

Associations and Amenities

Mill Creek has a recreation association and five section associations, and its own FEMA-named recreation building on Mill Creek Way. Both neighborhoods sit inside the same gate, carry the same Lakes Village master assessment and use the same master club. Whether owners of one neighborhood may use the other’s neighborhood facility is not in a public source we read.

Which Fits Which Buyer’s Priorities?

Mill Creek fits a buyer whose priorities are a quick, well-documented market with enough sales to price a unit with confidence, a quiet street of its own, buildings that appear to be two-story, and a choice among four floor plans that listings describe as two bedrooms, two bedrooms plus den or three bedrooms (the county roll records every unit as two bedrooms). Mill Run at Colonial Country Club fits a buyer whose priorities are more living area per dollar and who is comfortable buying and later selling in a very thin market. In both, the section’s fee, rules and documents decide the details, and we read them with you before you commit.

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek or Mill Run? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Does It Cost to Sell a Condo in Mill Creek?

Selling a condo in Mill Creek at Colonial Country Club in Fort Myers typically costs the seller the owner’s title policy by Lee County custom, the master association’s $200 estoppel fee ($300 rush), the section association’s estoppel and resale disclosure documents, prorated dues and assessments, the deed’s documentary stamp tax as the contract assigns it, and the listing commission.

Title and Deed Stamps

In Lee County the seller customarily pays for the owner’s title insurance policy and often chooses the closing agent; the purchase contract controls and can say otherwise. The deed’s documentary stamp tax is assigned by the contract. The title search will pick up any recorded association lien, which must be paid from the seller’s proceeds at closing. For a Mill Creek unit, the title order should carry the Mill Creek Way street number and unit number together, because Garden Lakes reuses the same building numbers and the MLS has mislabeled Mill Creek Way sales.

The Master Estoppel

The master association’s sample Lakes estoppel charges a “$200.00 Estoppel Fee”, or a “$300.00 Rush Estoppel Fee”, both “Due from the Seller” (2026 Informational Packet, page 2). Any member charges the seller runs at the club before closing settle on that estoppel, so order it close to the closing date.

Section Estoppel and Disclosure Documents

The seller’s section association issues its own estoppel certificate, within the fee caps of Section 718.116 as indexed by the Division of Condominiums (DBPR estoppel certificate fees). Which manager issues it depends on the building: Sandcastle Community Management for Section I per the state register, D&D Association Services for Section II, Resort Management for Section III and MyTown Communities for Section IV, with Section V’s manager listed on its Sunbiz filing. The seller also provides the resale disclosure documents “at the seller’s expense” under Section 718.503(2): the declaration, articles, bylaws, rules, budget, financial statement, the structural integrity reserve study or a statement that none has been completed, and the Frequently Asked Questions and Answers document. Ordering them at listing, rather than after a contract, starts the buyer’s 7-day review clock sooner.

What the Buyer Pays

The buyer, not the seller, pays the master association’s Community Capital Contribution of $4,700, which rises to $5,170 on contracts signed November 1, 2026 or after (packet, page 2). The buyer also pays the section application fee, which 16 of the 23 current Mill Creek listing rows report at $150. A seller who prices a unit should know these buyer-side costs, because on a contract signed after November 1, 2026 they add $5,320 ($5,170 plus $150) to what the buyer needs at closing beyond the price.

Prorations, Vision 2020 and the Master Plan Share

The 2026 master assessment of $5,897, the $252 quarterly cable and internet charge and the quarterly effluent irrigation charge are prorated between buyer and seller on the closing date (packet, page 2), along with the section’s quarterly fee and the property tax. The Vision 2020 installment of $107 a quarter runs to a final billing on September 15, 2028, and the packet says the buyer may continue the installments or pay off the remainder at closing; who bears any payoff is a contract term. The $2,100 Master Plan share shows on the master estoppel if any balance remains, and the contract should say who pays it.

Time on Market Is a Cost Too

We tracked all 15 Mill Creek closings in the 12 months to October 29, 2026: the median sold at 54 days on market and the median sale closed at 95.9 percent of its final list price. While a unit is listed, the seller keeps paying the section fee, the master assessment, cable and the Vision 2020 installment, about $927.75 to $1,045.08 a month depending on the section (annual carry table above). Carried across the 54-day median, that is about $1,647 in Section IV ($11,133 x 54 / 365) to about $1,855 in Section I ($12,541 x 54 / 365), before utilities and insurance.

Plan and Position Drive the Price

Inside Mill Creek, the floor plan moves the price more than the section does. On the 12-month closings matched to the roll, the two 1,656-square-foot sales closed at $315,000 and $325,000, the five 1,749-square-foot sales at a $305,000 median, the three 1,379-square-foot sales at a $275,000 median and the five 1,385-square-foot sales at a $222,000 median. The roll places each size in the same positions in every building: 01 and 08 are 1,656 square feet, 02 and 07 are 1,379, 03 and 06 are 1,385, and 04 and 05 are 1,749. Listings describe the same roll size differently, as two bedrooms, two bedrooms plus den or three bedrooms, while the county record says two bedrooms for every unit, so we price against same-position sales, not against the bedroom label.

What the Expired Listings Teach

Four Mill Creek listings expired in the 12 months to October 29, 2026, listed at $292,000 to $309,000. One of them, a 1,385-square-foot unit at 11019 Mill Creek Way, expired at a $309,000 list after 134 days, relisted at $275,000 and closed on May 6, 2026 at $260,250, which is $48,750 below the expired price. Another, at 11031 Mill Creek Way, expired at $298,000 after 273 days and was back on the market at $315,000 on October 29, 2026, at 300 days. A price set right on day one is usually cheaper than a season of carry and a reduction later.

The One Sale Below $200,000

The year’s low, $160,000 for a 1,749-square-foot unit at 11027 Mill Creek Way, closed on January 9, 2026 at 64 percent of its $250,000 list with 0 days on market, and its deed is recorded as a non-qualified sale, meaning the county did not treat it as an arm’s-length market sale. We keep it in the count of 15 because it closed through the MLS, but it is not a guide to value: every other Mill Creek closing that year was at 85.7 percent of list or better, and the county’s 16 qualified sales from October 22, 2025 to October 21, 2026 ran from $199,000 to $345,000 at a $277,500 median.

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Are the Pros and Cons of Owning in Mill Creek?

Owning in Mill Creek at Colonial Country Club in Fort Myers brings a quick-selling market, a street of its own, a club membership carried in a $5,897 Lakes Village assessment and FEMA letters for every section; it also brings Zone AE on the map, a land-only letter for three sections, per-round golf and stacked dues.

The Pros

• The fastest market of Colonial’s five condominium neighborhoods. A 54-day median time on market and about 2.4 months of supply in the 12 months to October 29, 2026.
• Club membership comes with the home. The master association calls Colonial a “Bundled Community” where “All Residents Are Club Members”, and the Lakes Village membership is carried in the $5,897 master assessment.
• FEMA letters for every section. LOMR-F 09-04-0399A removes all twelve Section I and III buildings by street number, plus the recreation building, from the special flood hazard area, and LOMR-F 09-04-1775A removes a described land portion in Sections II, IV and V; FEMA revalidated both in November 2022.
• A neighborhood recreation building. Mill Creek has its own FEMA-named recreation building at 11024 Mill Creek Way, on top of the master club’s facilities.
• A street of its own. Every Mill Creek home is on Mill Creek Way, which no other Colonial neighborhood shares.
• Easy comparisons. Every building has the same four plans in the same positions (1,379, 1,385, 1,656 and 1,749 square feet on the roll), so a Mill Creek price is easy to check against same-plan sales.
• A priceable market. 15 MLS closings and 16 qualified county sales in the past year, and MLS prices that matched the recorded deed on 14 of 14, 9 of 9 and 11 of 12 matched sales over three years.
• Buildings that appear to be two-story. Lee County address records place four units on each of two floors.
• Airport and interstate access. About 17 minutes to RSW and 12 to 13 minutes to two I-75 interchanges, without traffic.
• Inland evacuation zone and a CRS discount. Lee County evacuation Zone D, and the city’s Class 6 rating with a 20 percent NFIP discount.
• Clean association records. All six corporations active with 2024 to 2026 annual reports, and all five sections current on state fees from 2022 to 2026.

The Cons

• Zone AE on the map. The letters remove named buildings or a described area, not all the land around them, and a lender can still require flood insurance.
• Sections II, IV and V need an address check. Their FEMA letter describes land, not buildings, so whether a given building sits inside the removed portion is confirmed per address.
• Golf is paid by the round. Lakes Village golf is $125 a round from January to April and October to December and $60 from May to September in 2026.
• Stacked dues. About $11,133 to $12,541 a year in section fees, master assessment, cable and the Vision 2020 installment in our worked example, before tax, CDD and insurance.
• A $2,100 Master Plan share. Check the master estoppel to see whether a unit’s share is paid or still open.
• Two bedrooms on the county record. Every Mill Creek unit is two bedrooms and two baths on the roll; dens and third bedrooms are the listing’s description.
• Prices below 2024. The median was $340,500 on 12 closings from October 2023 to October 2024, then $265,000 and $275,000 in the two years since.
• Thin choice for buyers. Only 3 active listings on October 29, 2026, so a buyer may wait for the right plan and position.
• Rules live in five sets of documents. Leasing, pet and approval rules are in each section’s declaration and are read in the resale package, not online.
• Look-alike names. Mill Run and Garden Lakes are easily confused with Mill Creek in listings, so every document has to carry the Mill Creek Way street number.

Selling your Mill Creek condo? Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

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

Selling a condo at Mill Creek at Colonial Country Club in Fort Myers in late 2026 means pricing against 15 closings at a $275,000 median while only 3 neighbors were listed on October 29, 2026, about 2.4 months of supply, so your floor plan, your section’s fee and the right FEMA letter decide how fast a Mill Creek buyer commits.

If you’re searching for a Mill Creek listing agent, or thinking, ‘I need someone to sell my Mill Creek home…’, McGreevy and Comisar bring the credentials and the record:

• 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

Mill Creek Recent Sales, by the Numbers

We tracked every one of the 15 Mill Creek closings in the Southwest Florida MLS for the 12 months to October 29, 2026, and matched each address to the Lee County Property Appraiser roll so that only the five Mill Creek at Colonial condominium sections count. Three of those 15 closings were coded in the MLS under another neighborhood name (The Preserve, Garden Lakes or the generic Colonial Country Club name) and are counted here because the roll puts them on Mill Creek Way. Those 15 sales closed at a $275,000 median, from $160,000 to $325,000, with $3,911,250 in total sales volume. The median Mill Creek sale took 54 days on market (the mean was 72.7 days), and sellers received 93.5% of their final list price on average, the mean of the 15 per-sale ratios; the median ratio was 95.9%. The median price per square foot of MLS living area was $172.20.

The $160,000 low, 11027 Mill Creek Way #505, sold at 64% of its list price with 0 days on market, and its Lee County deed is recorded as a non-qualified sale. We keep it in the count and say so plainly, because it pulls the average sale-to-list ratio down; without that sale the picture is the 95.9% median ratio.

In the last 12 months we tracked 3 Mill Creek closings that listing agents described as two bedrooms at a $276,000 median, 8 described as two bedrooms plus a den at a $230,000 median, and 4 described as three bedrooms at a $294,500 median. The Lee County roll records every one of the 240 Mill Creek units as two bedrooms and two baths; the den or third bedroom is the listing’s description, not the county record.

Lee County recorded 16 qualified Mill Creek sales from October 22, 2025 to October 21, 2026, at a $277,500 median, from $199,000 to $345,000. Three of those deeds, at $345,000, $325,000 and $317,000, have no Southwest Florida MLS row, so those units sold outside the MLS. Of the 15 MLS closings, 14 had a recorded deed by October 21, 2026, and all 14 matched at the identical price; the 15th, closed on October 13, 2026, had no deed in the county file, which ends October 21, 2026.

Selling in Mill Creek Is Different in Six Ways

1. Your street is your identity. Every Mill Creek home is on Mill Creek Way, and no sibling neighborhood shares the street. Mill Run at Colonial, the Hemingway Lane neighborhood with a look-alike name, is a different set of associations. Over three years, four Mill Creek Way closings were coded in the MLS under another name, and one Hemingway Lane row coded MILL CREEK was a Mill Run unit. We list every Mill Creek unit by its Mill Creek Way street number plus unit number.
2. Supply is tight. On October 29, 2026 the MLS showed 3 active Mill Creek listings from $295,000 to $315,000, at a $299,000 median list price, and 1 pending. That is about 2.4 months of supply, against about 11.3 months at Garden Lakes at Colonial Country Club.
3. The big plan sells fast. The Lee County roll repeats the same four sizes in the same positions in every building, with one recorded exception in Building 18. The 1,749 square foot plan (positions 04 and 05) closed 5 times in 12 months at a $305,000 median and a median of 18 days on market.
4. Five sections, five fees. Each Mill Creek section has its own condominium association, declaration and quarterly fee. Listing entries in the MLS export of October 29, 2026 put Section IV lowest, at $950 a quarter on most rows, and Section I highest, up to $1,362.31. The resale disclosure package must match your section.
5. FEMA wrote two letters, and yours matters. FEMA’s LOMR-F 09-04-0399A names the Section I and Section III buildings one by one, and LOMR-F 09-04-1775A removed a surveyed land portion within Sections II, IV and V. Putting the right letter in the listing file answers the lender’s first flood question.
6. The buyer’s closing cash just rose. The master association’s 2026 Informational Packet sets the Community Capital Contribution, due from the buyer, at $4,700, rising to $5,170 on contracts signed on or after November 1, 2026.

What Is Your Mill Creek Home Worth? Get a Free Valuation in 60 Seconds.

Start with a free Mill Creek home valuation, built from the 15 Mill Creek closings and your plan, section, building and condition. Talk to Jesse direct: (239) 898-6072, text or call.

Selling your Mill Creek home? Get a free home valuation or Call Jesse direct at (239) 898-6072.

How fast are Mill Creek condos selling right now?

The 15 Mill Creek closings in the 12 months to October 29, 2026 had a median of 54 days on market. Three closed with 0 days on market, including a 1,749 square foot unit at 11033 Mill Creek Way that sold for $305,000 on October 13, 2026. The slowest, a 1,379 square foot unit at 11004 Mill Creek Way, took 432 days and closed at $199,000. The 3 active listings had a median of 185 days on market.

Which Mill Creek floor plan is selling best?

By the Lee County roll’s heated area, the 1,749 square foot plan led on speed: 5 closings at a $305,000 median and a median of 18 days on market. The 1,385 plan also had 5 closings, at $222,000 and 50 days; the 1,379 plan had 3 at $275,000; and the 1,656 plan had 2 at a $320,000 median, including the 12-month high of $325,000.

Will the higher capital contribution hurt my sale?

It changes the buyer’s cash to close, not your proceeds. The master association’s 2026 packet lists the Community Capital Contribution as due from the buyer: $4,700, or $5,170 on contracts signed on or after November 1, 2026. We show buyers that figure beside the price so it never surprises them at closing.

Does my section’s fee change what a buyer will pay?

Buyers compare carrying cost. Listing entries in the MLS export of October 29, 2026 (23 current rows) put the quarterly condominium fee at $1,276 to $1,362.31 in Section I, $1,226 in Section II, $1,267 to $1,276 in Section III, $950 in Section IV (one entry $1,100) and $1,120 in Section V. Section IV’s three closings still reached a $275,000 median, so the fee is a pricing input, not a barrier.

What does a Mill Creek listing need that a generic Fort Myers condo listing does not?

The Mill Creek Way street number with the unit number, the roll square footage for your plan, your section’s quarterly fee, the $5,897 master assessment for 2026, the per-round golf terms, the FEMA letter that covers your building, and a clear note that the unit number is a building and position, not a floor. Mill Creek buyers compare all of these before they tour.

Your Local Real Estate Experts

Owners and buyers at Mill Creek at Colonial Country Club work directly with Jesse McGreevy and Marc Comisar, Top 1% Real Estate Agents Nationally Since 2008, who lead Domain Realty Group from Bonita Springs and who read every Mill Creek section filing, both FEMA letters and every closing behind this Colonial Country Club guide before writing it.

You can read how the team was built on our about the McGreevy and Comisar team page. McGreevy and Comisar are the Domain Realty team behind this Mill Creek guide: Jesse McGreevy, Sales Associate, and Marc Comisar, Broker Associate. Our Bonita Springs office is the team’s headquarters, and our guide to the whole Colonial Country Club community and to Fort Myers sits one level up from this page.

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

• 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

McGreevy and Comisar is a top-reviewed Mill Creek at Colonial Country Club realtor on Google, and the quotes below are genuine five star client reviews reproduced in the reviewer’s own words. We publish no aggregate score and no star rating widget. Read the full set on the McGreevy and Comisar Google Business Profile.

★★★★★ “Their recommendation on pricing my unit was sound and proved prescient. I never questioned their integrity and found it easy to rely on their recommendations. I would work with them again in a heartbeat.” Verified Google review

★★★★★ “Working with Jesse was easy, I was kept up to date on all feedback from showings and the many open houses. Highly recommend!” Verified Google review

★★★★★ “Jesse was very professional, helpful and kept in touch with ideas and suggestions which developed into a sale. Highly recommend his company for their excellent follow through.” Verified Google review

Each of these reviews can be read in full on Google.

Contact McGreevy and Comisar

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

Selling your Mill Creek home? Get a free home valuation or Call Jesse direct at (239) 898-6072.

Buying in Mill Creek? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

Licensure, and the Office of Record

Jesse McGreevy (Sales Associate) and Marc Comisar (Broker Associate) are licensed Florida REALTORS® with Domain Realty; Florida real estate licensure is regulated by the Florida Real Estate Commission. McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008.

• Jesse McGreevy, Florida license SL3101296
• Marc Comisar, Florida license BK3060671
• Brokerage office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

Frequently Asked Questions: Mill Creek Buyer Edition

These buyer questions about Mill Creek at Colonial Country Club are answered from the Lee County Property Appraiser roll, the Southwest Florida MLS export of October 29, 2026, Sunbiz and DBPR filings, the master association’s 2026 Informational Packet, FEMA’s flood records and the school district’s 2026/27 zones, for this 240-unit condominium neighborhood in Fort Myers.

What is Mill Creek at Colonial Country Club?

Mill Creek at Colonial is a neighborhood of five recorded condominiums, Mill Creek at Colonial Sections I to V, inside Colonial Country Club’s Lakes Village in the City of Fort Myers, ZIP 33913. It holds 240 two-bedroom, two-bath condominiums in 30 buildings of 8, built from 2003 to 2005, with a sixth corporation, the Mill Creek at Colonial Recreation Association, Inc., alongside the five sections.

Is Mill Creek the same neighborhood as Mill Run at Colonial?

No. Mill Run at Colonial Country Club is a separate sibling on Hemingway Lane with its own associations, and MLS rows sometimes mix the two names up. Every Mill Creek home is on Mill Creek Way. Mill Creek at Colonial is also unrelated to the other Florida communities named Mill Creek, in Lakewood Ranch near Bradenton, Jacksonville and St. Johns County.

How do I identify a Mill Creek unit correctly?

By its Mill Creek Way street number plus unit number, as the Lee County Property Appraiser does. MLS rows have been coded with the wrong neighborhood name: in the last 12 months, Mill Creek Way closings were coded as The Preserve, Garden Lakes and the generic Colonial Country Club name. The street settles it, because no other Colonial neighborhood has homes on Mill Creek Way.

How many condos are in Mill Creek, and when were they built?

There are 240, per the DBPR project filings in its condominium file: 48 in each of the five sections, in buildings 1 to 30. The Lee County roll agrees at 240 and dates 40 units to 2003, 64 to 2004 and 136 to 2005. DBPR’s developer file names Pulte Home Corporation as developer of all five sections.

What floor plans does Mill Creek have?

The roll shows four sizes of heated area, in the same positions in every building (the roll records one Building 18 unit at 1,749 in a 1,656 position): units ending 01 and 08 are 1,656 square feet; 02 and 07 are 1,379; 03 and 06 are 1,385; 04 and 05 are 1,749. That makes about 60 of each across 240. Listings describe units as two bedrooms plus den, three bedrooms or two bedrooms; the roll records two bedrooms and two baths for every unit.

What does a Mill Creek unit number mean?

The leading digits are the building number and the last two are the position, 01 to 08. Unit 2705 is building 27, position 05, at 11022 Mill Creek Way. The number is not a floor, so ask the listing agent which level a unit is on, or read the unit plans in the section’s declaration.

Are Mill Creek buildings two-story, and do they have elevators?

Lee County address records place four units on each of two floors, so the buildings appear to be two-story; the MLS codes them “Low Rise (1-3)”. Neither the roll nor the MLS export carries an elevator field, so confirm the level and access of any unit with the listing agent and the section association before you write an offer.

Do Mill Creek condos come with a garage?

The county roll and the MLS export carry no parking field. The club’s own rental listings describe Mill Creek carriage homes with a one-car garage, and the club’s real estate page lists Mill Creek under Carriage Homes. Confirm the garage assigned to any unit, and the section’s parking rules, in the resale package.

What do Mill Creek condos sell for?

In the 12 months to October 29, 2026, we tracked 15 Mill Creek closings at a $275,000 median, from $160,000 to $325,000, a median of $172.20 per square foot of MLS living area, and 93.5% of list price on average. Lee County recorded 16 qualified Mill Creek sales over nearly the same period at a $277,500 median.

Are Mill Creek prices going up or down?

Down from 2024, then steady. The MLS median was $340,500 on 12 closings from October 30, 2023 to October 28, 2024, then $265,000 on 9 closings from October 29, 2024 to October 28, 2025, and $275,000 on 15 closings in the 12 months to October 29, 2026. The latest year sits $10,000 above the year before.

How many Mill Creek condos are on the market now?

On October 29, 2026 the MLS showed 3 active Mill Creek listings from $295,000 to $315,000, at a $299,000 median list price and a median of 185 days on market, with 1 pending. At the past year’s pace of 15 closings, that is about 2.4 months of supply.

How much are condo fees at Mill Creek at Colonial Country Club?

Fees come in two layers. Listing entries in the MLS export of October 29, 2026 (23 current rows) ranged from $1,276 to $1,362.31 a quarter in Section I, $1,226 in Section II, $1,267 to $1,276 in Section III, $950 in Section IV (one entry $1,100) and $1,120 in Section V. Those are listing-reported figures, not an association schedule; the section’s budget in the resale package is the authority.

What is the Colonial Country Club master fee on top of the Mill Creek condo fee?

The master association’s 2026 Informational Packet lists the Lakes Village 2026 annual master assessment at $5,897, and that figure appears on 17 of the 23 current Mill Creek MLS rows. The packet also lists a $252 quarterly cable and internet package and the Vision 2020 installment of $107 a quarter.

Why do condo fees differ between sections of Mill Creek?

Each of the five sections is its own condominium association with its own budget, and Section IV’s listing-reported fee is the lowest on current listings. No public document explains the difference, so read your section’s annual budget and financial statement, which section 718.503(2) entitles every resale buyer to receive.

How many condo associations govern Mill Creek at Colonial Country Club?

Five condominium associations, one per section (Sunbiz N02000008406, N02000008412, N03000009989, N05000003168 and N05000008748), plus the Mill Creek at Colonial Recreation Association, Inc. (N03000005144). All six are active with 2024, 2025 and 2026 annual reports on Sunbiz. Above them sit the Colonial Country Club master association and the Colonial Country Club Community Development District.

Who manages Mill Creek’s associations?

Sunbiz and DBPR’s public records show Resort Management for the recreation association and Section III, D&D Association Services for Section II, MyTown Communities for Section IV and Sandcastle Community Management for Section I (DBPR). Section V’s manager is listed with the association’s Sunbiz filing. Your section’s manager supplies its estoppel and resale documents.

What does the Mill Creek at Colonial Recreation Association own, and is it a separate fee?

Its governing documents are not published, so what it owns and whether it bills separately is not in public records. FEMA’s LOMR-F 09-04-0399A names Mill Creek’s recreation building at 11024 Mill Creek Way, on Tracts 100-A, 102-A and 102-B. Ask for the recreation association’s documents and estoppel with your section’s package.

Does Mill Creek have its own pool?

Public records confirm the recreation building at 11024 Mill Creek Way, not a pool. An owner’s listing on the club’s rental page mentions a short stroll to a satellite pool, so confirm it with the recreation association before you count on it. Every owner also has the club’s two resort pools.

Is there a special assessment at Mill Creek right now?

At the master level, yes. The packet says of the Vision 2020 installment of $107 a quarter, billed through September 15, 2028: “The buyer may choose to continue with quarterly installments of $107.00 OR pay off the remaining installments at closing.” It also lists “Total Master Plan special assessment per each Community member unit (1,699 doors) = $2,100”, which reaches every Mill Creek condominium. The estoppel shows your unit’s balance.

Is golf included with a Mill Creek condo, or is it pay as you play?

Pay as you play. The master association’s 2026 packet describes Colonial as a bundled community in which all residents are club members, with the Lakes Village master assessment covering Mill Creek. The club’s rental page says golf is available on a pay-as-you-play basis.

How much does a round of golf cost at Colonial Country Club for a Mill Creek owner?

The packet’s 2026 Lakes Village rate is $125 a round from January to April and October to December, and $60 a round from May to September. Lakes Village 9-hole play is 50% of the 18-hole rate. The Golf Village charges and the golf renovation assessment do not apply to Mill Creek, which is in the Lakes Village.

What does the Colonial Country Club social membership include?

The club’s rental page lists access to 2 community pools, the clubhouse, a restaurant, 8 Har-Tru tennis courts, 8 pickleball courts, bocce and 2.3 miles of walking trails. The packet says the club is managed by Troon, and Troon’s 2023 release describes the club’s 160-acre preserve with a boardwalk.

Is there a food and beverage minimum at Colonial Country Club?

No public club document states one for the Lakes Village. The Mandatory Club Fee field reads $0 on 41 of the 44 Mill Creek MLS rows over three years, consistent with club costs sitting in the master assessment. Ask the club for its current fee schedule before you buy.

What is the capital contribution when you buy at Mill Creek at Colonial?

The master association’s sample Lakes estoppel in its 2026 packet lists a $4,700 Community Capital Contribution due from the buyer, rising to $5,170 on contracts signed on or after November 1, 2026. The MLS “Transfer Fee” of $4,700 shown on 15 of the 23 current Mill Creek rows matches it.

Are there application and transfer fees when buying at Mill Creek?

Listing agents report a $150 application fee on 16 of the 23 current Mill Creek MLS rows, the section association’s approval charge as entered in listings. The master packet’s sample estoppel reads “Consent to transfer required: NO” at the master level. A separate Mill Creek section or recreation transfer fee was not found in any public record.

Can I rent out my Mill Creek condo, and what is the minimum lease?

No public Mill Creek rule document and no MLS field states a minimum lease. Each section’s declaration and rules govern leasing, and you receive them in the resale disclosure package. Under section 718.110(13), a buyer takes title subject to any leasing amendment the section adopted before the purchase.

How many times a year can a Mill Creek condo be leased?

We found no public document that states a limit for any Mill Creek section, and the MLS export carries no lease field. Read your section’s declaration and rules in the disclosure package before you count on rental income, because the five sections can differ.

Do tenants at Mill Creek need association approval and a background check?

Tenant approval terms are set by each section’s declaration and rules, which are not published online. Ask the section’s manager for its current lease application process and read the rules in the resale package. The club’s rental page says the social membership passes to the renter.

Are pets allowed at Mill Creek at Colonial Country Club, and is there a weight limit?

We found no public Mill Creek pet rule document, and the MLS export has no pet field. Each section’s declaration and rules govern pets and can differ among the five sections, so read them in the resale disclosure package before you sign.

What flood zone is Mill Creek at Colonial Country Club in?

The FEMA National Flood Hazard Layer, queried at all 30 buildings and the recreation building, shows Zone AE everywhere, on FIRM panel 12071C0433G, effective December 7, 2018. FEMA’s two Mill Creek letters, in the next answer, change what that means for many buildings.

Do I need flood insurance for a condo at Mill Creek?

It depends on the building, and your lender decides. FEMA’s LOMR-F 09-04-0399A of December 23, 2008 names the Section I and Section III buildings (1 to 4, 29, 30, 8 to 11, 24 and 25) and removed them from the special flood hazard area, using a base flood elevation of 21.4 feet; the recreation building went to shaded Zone X. LOMR-F 09-04-1775A of March 24, 2009 removed a described land portion within Sections II, IV and V, confirmed per address. FEMA revalidated both in November 2022. Per FEMA, a LOMR-F removes the federal mandatory purchase requirement for the named structure, but a lender may still require coverage.

How much is HO-6 condo insurance for a Mill Creek condo in Fort Myers?

There is no public Mill Creek premium figure. The association insures the building and owners commonly carry unit coverage. For flood, FEMA’s Risk Rating 2.0 prices on property features rather than zone alone, and the City of Fort Myers’ Community Rating System Class 6 gives a 20% discount on NFIP policies, per FEMA’s October 2026 CRS list. Get a quote with the right FEMA letter in hand.

Does a two-story building like Mill Creek need a SIRS or milestone inspection?

Both laws reach buildings of three or more habitable stories: the structural integrity reserve study under section 718.112(2)(g) and the milestone inspection under section 553.899. Mill Creek’s buildings appear to be two-story per county address records, so ask each section association whether either law applies, and request the SIRS statement the resale disclosure requires.

Can I get a conventional loan on a Mill Creek at Colonial condo?

Lenders review the condominium project as well as the buyer: the section’s budget, reserves and insurance. No public record shows any Mill Creek section’s lender review status, so ask your lender to start the project review as soon as you have a contract. DBPR’s payment file shows every section’s annual state fee paid for 2022 through 2026.

How many days do I have to cancel a Mill Creek resale contract?

Under section 718.503(2), a resale contract is voidable by the buyer by written notice “WITHIN 7 DAYS, EXCLUDING SATURDAYS, SUNDAYS, AND LEGAL HOLIDAYS” after signing and receiving the required documents, unless you received them more than 7 such days before signing. “BUYER’S RIGHT TO VOID THIS AGREEMENT SHALL TERMINATE AT CLOSING.”

Do Mill Creek associations have to post their documents online?

Under section 718.111(12)(g), an association managing a condominium with 25 or more units must post specified official records on its website or in a mobile app. Each Mill Creek section has 48 units, so all five are above that threshold. Ask the section’s manager how to reach its posted documents.

Is Colonial Country Club gated?

Yes. The master association’s 2026 packet lists two gated and monitored entrances and exits with 24-hour staffed access control, and a traffic jurisdiction agreement with the Fort Myers Police Department. Mill Creek Way sits inside the gates.

Is Colonial Country Club a 55+ community?

We found no age restriction in any public Mill Creek or master association document, and each section’s recorded declaration governs.

What hurricane evacuation zone is Mill Creek in?

Lee County Zone D at all 30 buildings and the recreation building, per the county’s evacuation layer. The county orders zones by storm through Know Your Zone. The design wind speed on the county’s code map at every Mill Creek building is 160 mph, in the wind-borne debris region.

Which public schools serve Mill Creek at Colonial Country Club?

The School District of Lee County’s 2026/27 zone layers place Mill Creek in elementary zone J, middle zone EE and high school choice zone East 2. Treeline Elementary is the nearest zone J school, about 1.9 miles away; Dunbar Middle is in zone EE; and Gateway High earned an A for 2025-26, per the district. Lee uses a choice system, so confirm with the district.

How close is Mill Creek to FGCU and Southwest Florida International Airport?

Free-flow drive estimates from Building 25 at 11018 Mill Creek Way, routed on OSRM: Southwest Florida International Airport 7.8 miles, 17 minutes; Florida Gulf Coast University 11.5 miles, 24 minutes; I-75 at Colonial Boulevard 4.9 miles, 12 minutes; Gulf Coast Medical Center, Gulf Coast Town Center, downtown Fort Myers and Bell Tower 19 minutes; Fort Myers Beach 36 minutes. Season adds time.

Who provides water, sewer and trash at Mill Creek?

The City of Fort Myers provides water and wastewater and solid waste collection. New service carries a $36 service charge and a $175 deposit, per the city’s new service page. Fort Myers Fire Station 15 is first due, and permits run through the city’s EnerGov portal.

How does Mill Creek compare with the other Colonial condominium neighborhoods?

Mill Creek’s $275,000 12-month median matches Mill Run and sits above Garden Lakes at Colonial Country Club at $222,450 and The Preserve at Colonial Country Club at $232,000, and below Jasmine Pointe at Colonial Country Club at $300,000. Its 54-day median time on market is the shortest of the five.

How do I start a Mill Creek search?

Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida. We compare the active Mill Creek listings by plan, section fee and FEMA letter, against the 15 closings of the last 12 months, before you tour.

Frequently Asked Questions: Mill Creek Seller Edition

These seller questions about Mill Creek at Colonial Country Club are answered from the 15 Mill Creek closings in the Southwest Florida MLS to October 29, 2026, Lee County’s 16 qualified recorded sales, the master association’s 2026 packet, Florida’s condominium statutes and FEMA’s two LOMR-F letters, for owners selling one of the 240 condominiums in this Fort Myers neighborhood.

What is my condo at Mill Creek at Colonial Country Club worth?

It starts from the Mill Creek record: 15 closings in the 12 months to October 29, 2026 at a $275,000 median, from $160,000 to $325,000. Your plan, section, building and condition set where your unit falls. Get a free Mill Creek home valuation or Call Jesse direct at (239) 898-6072.

What have Mill Creek condos sold for in the last 12 months?

The newest closing in the MLS export was $305,000 on October 13, 2026, a 1,749 square foot plan at 11033 Mill Creek Way that sold at 96.8% of list. Before that, a 1,385 plan at 11003 Mill Creek Way closed at $210,000 on August 12, 2026. The highest of the 12 months was $325,000 for a 1,656 plan at 11025 Mill Creek Way on February 27, 2026.

How many Mill Creek condos sell in a year?

We tracked 15 MLS closings in the 12 months to October 29, 2026, after 9 in the year to October 2025 and 12 in the year to October 2024. Lee County recorded 16 qualified sales in its latest 12 months, three of them outside the MLS. The 15 MLS closings are about 6.2% of the 240 units changing hands in a year.

How long does it take to sell a condo at Mill Creek?

The median was 54 days on market across the 15 closings, with a mean of 72.7 days. Three closed with 0 days on market and the slowest after 432. The year before, the median was 72 days on 9 closings, so Mill Creek sold faster in the latest 12 months.

Are price reductions common on Colonial Country Club condos right now?

At Mill Creek, mostly modest ones. The median sale closed at 95.9% of its final list price, and a 1,656 square foot unit at 11014 Mill Creek Way sold at its full $315,000 list. The outliers pull the average to 93.5%: the $160,000 sale at 64% of list, recorded as a non-qualified deed, and a 1,385 plan that closed at 85.7% of list.

What sale-to-list ratio do Mill Creek at Colonial condos get?

The mean of the 15 per-sale ratios was 93.5%, and the median ratio was 95.9%. The mean was 94.1% in the year to October 2025 on 9 closings and 96.6% in the year to October 2024 on 12, so Mill Creek buyers have negotiated a little harder each year.

How does Mill Creek compare on price with The Preserve, Garden Lakes and Mill Run?

On the same method, the 12-month medians were $222,450 at Garden Lakes at Colonial Country Club (18 closings), $232,000 at The Preserve at Colonial Country Club (13), and $275,000 at both Mill Creek (15) and Mill Run at Colonial Country Club (5). Mill Creek’s median of $172.20 per square foot sat above The Preserve’s $154.04 and Mill Run’s $164.56.

How do I price my Mill Creek condo when there are few sales in my building?

Price by plan, not building. Every Mill Creek building repeats the same four plans in the same positions, so a 1,749 square foot unit in building 2 compares directly with one in building 28. The 12-month plan medians were $305,000 for the 1,749 plan (5 sales), $320,000 for the 1,656 (2), $275,000 for the 1,379 (3) and $222,000 for the 1,385 (5).

Is it a good time to sell my condo at Mill Creek?

The record shows prices settling after a reset: a $340,500 median in the year to October 2024, $265,000 in the year to October 2025 and $275,000 in the 12 months to October 29, 2026, with only 3 active listings and about 2.4 months of supply. Whether to sell now depends on your plans and carrying costs; we lay out the numbers for your unit.

What is the best month to list a Mill Creek at Colonial condo?

In the 12 months to October 29, 2026, 8 of the 15 Mill Creek closings fell from March through June 2026, with May the busiest month at 3. None closed in December or September. Closings trail contracts by weeks, so a listing ready for winter showings feeds those spring closings.

How many Mill Creek condos are on the market now, and how many months of supply is that?

On October 29, 2026 there were 3 active Mill Creek listings, 1 pending, and 4 listings had expired in the prior 12 months. At 15 closings a year, 3 actives equal about 2.4 months of supply, the same as Mill Run and against about 4.6 months at The Preserve and about 11.3 at Garden Lakes.

Why did some Mill Creek listings expire?

The 4 Mill Creek listings that expired in the 12 months to October 29, 2026 asked $292,000 to $309,000, at a $298,950 median list. One, at 11019 Mill Creek Way, expired at $309,000 and later sold at $260,250; another, at 11031 Mill Creek Way, expired at $298,000 and is active again at $315,000. We start every price from the closings, not an old list price.

Why does my Mill Creek listing show up under The Preserve or Garden Lakes on some websites?

Because the MLS row was coded with the wrong neighborhood name, and portals copy it. In the last 12 months, Mill Creek Way closings were coded THE PRESERVE, GARDEN LAKES and the generic COLONIAL COUNTRY CLUB name. We code your listing as Mill Creek and lead with the Mill Creek Way street number so buyers searching for Mill Creek find it.

What documents do I need to sell my Mill Creek condo?

Your section’s declaration, articles, bylaws and rules, its annual financial statement and budget, the SIRS or the statement that none was completed, any milestone summary if applicable, and the Frequently Asked Questions and Answers document, under section 718.503(2). Add the master and section estoppels and the FEMA letter that covers your building.

What condo documents must I give a buyer under Florida law?

Under section 718.503(2)(a), at your expense: the declaration of condominium, articles of incorporation, bylaws and rules, the annual financial statement and budget, any inspector-prepared milestone summary if applicable, the most recent structural integrity reserve study or a statement that none was completed, any required turnover inspection report, and the Frequently Asked Questions and Answers document. Your section association supplies them.

How many days does a buyer have to cancel after receiving condo documents?

Seven days, excluding Saturdays, Sundays and legal holidays, after the buyer signs and receives the documents, unless the buyer received them more than 7 such days before signing, under section 718.503(2). The right ends at closing, so we request the package before listing.

Does my Mill Creek building need a SIRS or milestone report before I sell?

Florida requires them only for buildings of three or more habitable stories, and Lee County address records place four units on each of two floors at Mill Creek. Ask your section association to confirm in writing whether either law applies, and give the buyer the SIRS or the statement the resale disclosure requires. Section 718.503(2)(e) addresses contracts where a required inspection report applies.

What do I tell buyers if Mill Creek is exempt from SIRS because it is under three stories?

Tell them what your section association confirms in writing, and nothing more. If the association states its buildings are below the three-habitable-story threshold in section 718.112(2)(g) and section 553.899, the resale package still includes the statement that no SIRS was completed.

Can a buyer’s loan fail because of the association’s finances rather than my unit?

Yes. Lenders review the condominium project, including the section’s budget, reserves and insurance, not only the unit. Asking your section’s manager for the current budget and insurance certificate before listing lets a buyer’s lender start that review on day one.

Does the association have to approve my buyer, and how long does it add?

Not at the master level: the packet’s sample Lakes estoppel reads “Consent to transfer required: NO”. Your section association’s approval terms are in its declaration, and listings report a $150 application fee on most current Mill Creek rows. We read your section’s documents and ask its manager for the current timeline before listing.

Can the association use a right of first refusal on my Mill Creek sale?

Only if your section’s declaration grants one, and the Mill Creek declarations are recorded but not published online. We read the declaration recorded for your section (Section I OR 3965 PG 4528, Section II OR 4203 PG 1970, Section III OR 4419 PG 4815, Section IV OR 4645 PG 2524, Section V Instrument 2005-12520) before listing, through the Lee County Clerk.

Can I sell my Mill Creek condo with a seasonal tenant in place?

Yes, if the lease complies with your section’s rules. The buyer takes the unit subject to the lease unless the contract and lease say otherwise, and your section’s declaration governs leasing terms, so we read both before listing.

Who pays a special assessment when I sell my Mill Creek condo?

The contract decides. The master packet says the buyer may continue the $107 quarterly Vision 2020 installments or pay off the remaining installments at closing, and its $2,100 Master Plan special assessment applies per community member unit. Both estoppels show what is due on your unit, and the contract assigns who pays it.

Do I have to disclose a special assessment the board has only discussed?

Tell us about any proposed assessment you know of before listing, so the contract can assign it. The estoppels report what has been levied, and the master packet’s own sample estoppel leaves its “Any Special Assessments” line open, to be completed for each unit, which is why we read each estoppel line by line and never describe board records we have not seen.

Who pays the Colonial Country Club capital contribution when I sell?

The buyer. The master association’s 2026 packet lists the Community Capital Contribution as due from the buyer: $4,700, rising to $5,170 on contracts signed on or after November 1, 2026. It does not reduce your proceeds, but it is part of what the buyer budgets.

What is the estoppel fee, and who pays it when I sell at Mill Creek?

The master packet lists its estoppel fee at $200, or $300 for a rush, due from the seller. Your section association issues its own estoppel under section 718.116(8), which caps the base fee at $250 when nothing is delinquent, plus $100 for delivery within 3 business days; DBPR publishes current estoppel fee figures.

How long is a condo estoppel certificate valid?

Section 718.116(8) governs the certificate, including how long it remains effective, and requires the association to issue it within 10 business days of a request. A Mill Creek sale involves at least two estoppels, master and section, so we time both to the closing date.

What are seller closing costs on a Mill Creek at Colonial condo?

In Lee County the seller customarily pays the owner’s title policy and the documentary stamp tax on the deed, plus the master estoppel fee ($200, or $300 rush), the section estoppel, prorated master assessment, cable and internet and condominium fees, prorated taxes, and the listing commission agreed with the brokerage. The contract controls every split.

Who pays the owner’s title policy on a Lee County condo sale?

In Lee County the seller customarily pays for the owner’s title policy, and the purchase contract controls. We confirm the title agent and the split when the contract is written.

How do I explain condo fee plus master fee to buyers comparing other Fort Myers condos?

Show the two layers together: your section’s quarterly condominium fee from its budget, and the $5,897 Lakes Village master assessment for 2026, which carries the social club membership. A buyer comparing a non-club condo sees a higher total, and the bundled membership, gate and per-round golf are what that total buys.

Do insurance or reserve increases at Mill Creek affect my price?

They affect the fee, and the fee affects the price. Listing-reported Section II fees rose from $1,054 a quarter on closings in the year to October 2024 to $1,226 in the latest 12 months, and Section V from $980 and $1,055.03 to $1,120 over the same years. Buyers read the section budget in the disclosure package, so we price with your section’s current fee in view.

Do I owe capital gains tax selling a second-home condo at Mill Creek?

Federal tax law, not your association, decides it, and a gain on a second home is reported on your return. We coordinate the closing timeline and figures with your CPA.

Can I keep my Save Our Homes savings if I sell and buy another Florida home?

If your Mill Creek condo is your homestead, Florida’s portability rules may let you carry part of your Save Our Homes benefit to a new Florida homestead. The Lee County Property Appraiser handles the application with your new homestead exemption.

How much FIRPTA withholding applies if I am a foreign seller at Mill Creek?

The closing agent handles any FIRPTA withholding under federal tax law at closing, and the amount depends on your situation. Bring your tax adviser in early; we coordinate the timeline with the closing agent.

How do flood insurance quotes affect buyers at Mill Creek?

They shape the buyer’s carrying cost. FEMA’s LOMR-F 09-04-0399A removed the Section I and III buildings from the special flood hazard area, which lifts the federal purchase requirement for those structures, and the city’s CRS Class 6 gives a 20% NFIP discount. We hand buyers the letter that covers your building so their insurer and lender quote from it.

Is there an elevation certificate or LOMA for my Mill Creek building I can share?

There is a FEMA letter. If you own in Section I or III, LOMR-F 09-04-0399A lists your building by street number. If you own in Section II, IV or V, LOMR-F 09-04-1775A removed a described land portion, and whether your building sits inside it is confirmed per address. FEMA revalidated both in November 2022; the city’s floodplain office handles elevation certificate questions.

What must I disclose about hurricane history when selling at Mill Creek?

Disclose what you know about your unit’s condition and any repairs. We found no public record of storm damage at Mill Creek, and we never characterize storm history beyond public records. Both FEMA letters name Six Mile Cypress Slough as the flooding source, and the buildings sit in Lee County evacuation Zone D.

Should I sell my Mill Creek condo furnished or turnkey?

It can help with seasonal and second-home buyers, who weigh move-in convenience. Furniture is negotiated in the contract or a separate bill of sale; the recorded deed price covers the real estate only, which is why Mill Creek deeds and MLS prices line up.

Will the county’s recorded price match my MLS price?

At Mill Creek it nearly always has. Every one of the 14 recorded deeds for the latest 12 months matched its MLS price, as did 9 of 9 the year before and 11 of 12 the year before that; the one gap was a $359,900 MLS price against a $355,000 deed. We publish the deed figure if the two ever differ.

Which updates are worth doing before listing a Mill Creek condo built 2003 to 2005?

Fix what buyers compare against the other listings: flooring, kitchen and bath finishes, paint, and air conditioning age, with permit history for work the city permits. Ask us which updates pay before you start; with only 3 competing listings, condition separates you quickly.

What permits will buyers ask about?

The City of Fort Myers requires permits for roofs, windows, exterior doors, shutters, air conditioner replacement and interior remodels, per its Do I Need Permits table, and Mill Creek is inside the city. We pull your unit’s permit history through the city’s EnerGov portal; exterior items also need association approval.

How do I answer buyer questions about golf access at Colonial Country Club?

With the packet’s numbers. Mill Creek owners are club members through the Lakes Village master assessment and play golf per round: $125 from January to April and October to December, $60 from May to September, per the master association’s 2026 packet. Lakes Village 9-hole play is 50% of the 18-hole rate.

Does the renovated Colonial course and clubhouse help my sale price?

It helps the story, and the cost stayed with the golf members. Troon reported the course reopened after a $9 million renovation, and the packet assigns the 2025 golf course renovation assessment to the 711 Golf Village units, not to Mill Creek. No public data isolates its effect on Mill Creek prices, so we price from the closings.

How do I keep buyers from confusing Mill Creek at Colonial with Mill Run or other Florida Mill Creeks?

Use the full name, Mill Creek at Colonial Country Club, with Fort Myers and the Mill Creek Way street number and unit number. Mill Run is on Hemingway Lane, and the other Florida Mill Creeks are in Lakewood Ranch near Bradenton, Jacksonville and St. Johns County, so we never list a unit by building number or the bare name alone.

Who manages my section, and who issues my documents?

Resort Management for Section III and the recreation association, D&D Association Services for Section II, MyTown Communities for Section IV and Sandcastle Community Management for Section I, per Sunbiz and DBPR; Section V’s manager is listed with its Sunbiz filing. We request your estoppel and resale package from that manager.

Who should list my Mill Creek condo?

A team that prices from Mill Creek’s own closings and prepares the section documents, estoppels and FEMA letter before the first showing. McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, lead Domain Realty Group; Call Jesse direct at (239) 898-6072.

What is the first step to sell my Mill Creek condo?

Ask McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, for a valuation built from the 15 Mill Creek closings and your plan, section and condition. Get a free home valuation or text or call Jesse at (239) 898-6072.

Sources and Authoritative References

Every fact in this guide to Mill Creek at Colonial Country Club traces to a primary record below: Florida’s Division of Corporations and Division of Condominiums, Florida statutes, the Lee County Property Appraiser, Lee County GIS, the City of Fort Myers, FEMA, the School District of Lee County and the master association’s own packet.

Sale prices, days on market, sale-to-list ratios and active inventory come from the Southwest Florida MLS export pulled October 29, 2026, with each Mill Creek address checked against the Lee County Property Appraiser 2026 tax roll; recorded sales come from the Lee County Property Appraiser sale file through October 21, 2026. No listing portal or valuation aggregator was used.

1. Florida Division of Corporations, name search for Mill Creek at Colonial, six active corporations (read November 10, 2026)
2. Florida Division of Corporations, search by document number, for N03000005144, N02000008406, N02000008412, N03000009989, N05000003168 and N05000008748 (read November 10, 2026)
3. Florida Division of Corporations, name search for Mill Run at Colonial, the Hemingway Lane sibling (read November 10, 2026)
4. Florida Division of Corporations, name search for Colonial Country Club, master association (read November 10, 2026)
5. Florida DBPR, condominiums, timeshares and mobile homes public records (read November 10, 2026)
6. Florida DBPR, condominium file for Central Florida West counties, Mill Creek Sections I to V, projects PR1P026756, PR69216, PR69519, PR70358 and PR70952 (downloaded November 10, 2026)
7. Florida DBPR, condominium annual fee payment history, projects J to O (downloaded November 10, 2026)
8. Florida DBPR, condominium developer file, Pulte Home Corporation (downloaded November 10, 2026)
9. Florida DBPR, condominium key financial indicators file (downloaded November 10, 2026)
10. Florida DBPR, notice of intended conversion file (downloaded November 10, 2026)
11. Florida DBPR, condominium and cooperative SIRS reporting (listed November 10, 2026)
12. Florida DBPR, estoppel certificate fee schedule (read November 10, 2026)
13. Florida Statutes 2026, section 718.503, resale disclosure and the 7-day cancellation right (read November 10, 2026)
14. Florida Statutes 2026, section 718.111, official records and website posting (read November 10, 2026)
15. Florida Statutes 2026, section 718.112, budgets, reserves and SIRS (read November 10, 2026)
16. Florida Statutes 2026, section 718.116, assessments and estoppel certificates (read November 10, 2026)
17. Florida Statutes 2026, section 553.899, milestone inspections (read November 10, 2026)
18. Florida Statutes 2026, section 718.110, amendments including leasing amendments (read November 10, 2026)
19. Florida Statutes 2026, section 760.29, housing exemptions (read November 10, 2026)
20. Florida Senate, section 718.111 as published for 2025 (read November 10, 2026)
21. Florida Senate, section 553.899 as published for 2025 (read November 10, 2026)
22. Electronic Code of Federal Regulations, 24 CFR part 100 subpart E, housing for older persons (read November 10, 2026)
23. Colonial Country Club master association, 2026 Informational Packet, revised September 2026 (vault copy read November 10, 2026)
24. Colonial Country Club, home page (read November 10, 2026)
25. Colonial Country Club, rental properties page, Mill Creek Way listing and social membership terms (read November 10, 2026)
26. Colonial Country Club, real estate page, neighborhood categories (read November 10, 2026)
27. Florida Auditor General, Colonial Country Club Community Development District FY2022 audit (read November 10, 2026)
28. Troon, Colonial Country Club named one of America’s healthiest clubs (read November 10, 2026)
29. Troon, Colonial Country Club reopens following $9 million course renovation (read November 10, 2026)
30. Lee County Property Appraiser, home (listed November 10, 2026)
31. Lee County Property Appraiser, property search (read November 10, 2026)
32. Lee County Clerk of Court (route to the Mill Creek declarations, listed November 10, 2026)
33. Lee County Property Appraiser GIS, street number layer (probed November 10, 2026)
34. Lee County Property Appraiser GIS, hazards and flood zone layers (queried November 10, 2026)
35. Lee County Property Appraiser GIS, flood zone layer cross-check (queried November 10, 2026)
36. Lee County Property Appraiser GIS, design wind speed layer, Risk Category II (queried November 10, 2026)
37. Lee County Property Appraiser GIS, evacuation zone layer (queried November 10, 2026)
38. Lee County Property Appraiser GIS, zoning and future land use layers, PUD Ordinance 3280 (queried November 10, 2026)
39. Lee County Property Appraiser GIS, district layers (queried November 10, 2026)
40. Lee County GIS, NG911 address points, 30 Mill Creek Way buildings and unit floors (queried November 10, 2026)
41. Lee County GIS, City of Fort Myers limits and NFIP community 125106 (queried November 10, 2026)
42. Lee County GIS, emergency operations evacuation zone layer (queried November 10, 2026)
43. Lee County GIS, emergency operations storm surge layer (queried November 10, 2026)
44. Lee County GIS, public safety layers, Fort Myers Fire Station 15 response zone (queried November 10, 2026)
45. Lee County GIS, utilities layers, City of Fort Myers water and sewer (queried November 10, 2026)
46. Lee County Emergency Management, Evacuation Zone D sheet (listed November 10, 2026)
47. Lee County Emergency Management, Know Your Zone (listed November 10, 2026)
48. Lee County Board of County Commissioners, Ordinance 02-07, wind-borne debris region (listed November 10, 2026)
49. FEMA National Flood Hazard Layer, flood zones, FIRM panels and BFE lines (queried at all 30 Mill Creek buildings and the recreation building, November 10, 2026)
50. FEMA National Flood Hazard Layer, LOMC points, the two Mill Creek cases (queried November 10, 2026)
51. FEMA Flood Map Service Center, LOMR-F determination 09-04-0399A, Mill Creek at Colonial Sections I and III and the recreation building, December 23, 2008 (downloaded November 10, 2026)
52. FEMA Flood Map Service Center, LOMR-F determination 09-04-1775A, a portion of Mill Creek Sections II, IV and V, March 24, 2009 (downloaded November 10, 2026)
53. FEMA, Technical Bulletin 10-01, cited in the LOMR-F fill recommendation (listed November 10, 2026)
54. FEMA, Letter of Map Amendment and LOMR-F (read November 10, 2026)
55. FEMA, flood zone glossary (listed November 10, 2026)
56. FEMA, Risk Rating 2.0 (listed November 10, 2026)
57. FEMA, CRS eligible communities, October 1, 2026 effective date (vault copy read November 10, 2026)
58. FEMA, online LOMC requests (listed November 10, 2026)
59. School District of Lee County enrollment zones, 2026/27 (queried November 10, 2026)
60. School District of Lee County, 2025-2026 school grades report (read November 10, 2026)
61. School District of Lee County, home and Student Enrollment contact (read November 10, 2026)
62. Florida Department of Education, school grades (listed November 10, 2026)
63. City of Fort Myers, electronic permits (read November 10, 2026)
64. City of Fort Myers, EnerGov self-service permit portal (read November 10, 2026)
65. City of Fort Myers, Do I Need Permits (read November 10, 2026)
66. City of Fort Myers, FEMA Community Rating System (read November 10, 2026)
67. City of Fort Myers, solid waste (read November 10, 2026)
68. City of Fort Myers, water and wastewater (read November 10, 2026)
69. City of Fort Myers, establishing new water and solid waste service (read November 10, 2026)
70. City of Fort Myers, Ward 6 (read November 10, 2026)
71. Citizens Property Insurance, uniform mitigation verification inspection form changes, March 19, 2026 (read November 10, 2026)
72. OSRM routing on OpenStreetMap roads, free-flow drive times from Building 25, 11018 Mill Creek Way (computed November 10, 2026)
73. US Census Bureau geocoder, destination geocodes (read November 10, 2026)
74. OpenStreetMap Nominatim, destination geocodes (read November 10, 2026)
75. Lee County Property Appraiser, 2026 tax roll (parcel data file of November 2, 2026): the Mill Creek at Colonial condominium parcels, sections, buildings, year built, bedrooms, baths and heated area, and the recording reference in each unit’s legal description.
76. Lee County Property Appraiser, recorded sales file, qualified sales October 22, 2025 to October 21, 2026, matched to the Mill Creek at Colonial parcels and analyzed November 10, 2026.
77. Southwest Florida MLS, Matrix export for ZIP 33913, pulled October 29, 2026: Mill Creek closings in three 12-month windows, active, pending and expired listings, and listing-reported fee fields, membership checked against the county roll.

Downloadable Documents

Buyers and sellers at Mill Creek at Colonial Country Club can open five key public documents behind this Fort Myers guide directly from their issuers: both FEMA LOMR-F letters for the Mill Creek buildings, the master association’s 2026 packet, DBPR’s estoppel fee schedule and the Colonial CDD’s audit.

The five Mill Creek declarations of condominium are recorded with the Lee County Clerk under the references named in this guide (Section I OR 3965 PG 4528, Section II OR 4203 PG 1970, Section III OR 4419 PG 4815, Section IV OR 4645 PG 2524, Section V Instrument 2005-12520) and are read through the Clerk’s official records. Each section association’s budgets and rules come in the resale disclosure package.

Market data from Southwest Florida MLS, pulled October 2026. McGreevy and Comisar, Best Realtor for Mill Creek at Colonial Country Club. Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.