Aerial view of Estuary of Marco on Marco Island, Florida, its low-rise buildings along San Marco Road beside the coastal wetland

Marco Island - Estuary of Marco

The Estuary of Marco is 75 low-rise condominium homes in two phases on San Marco Road, Marco Island, built 1985 to 1990. Eleven sold in the 24 months to October 2026 at a $247,000 median. Sell or buy with McGreevy and Comisar.

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

The Estuary of Marco is a 75-unit condominium community on San Marco Road on the quiet east side of Marco Island, Florida, inside the City of Marco Island in Collier County. It is two recorded condominiums under one name, built from 1985 to 1990 beside mapped coastal wetland about half a kilometer from Barfield Bay, and it is one of the lowest-priced condominium addresses on the island. Jesse McGreevy and Marc Comisar lead the Domain Realty Group team, the #5 real estate team in Florida (RealTrends 2026), and if you are weighing who should sell or buy here, our comparison of the best real estate agents in Marco Island shows how local agents compare on the public record. Our Marco Island area guide covers the rest of the island.

The Estuary of Marco on Marco Island: What These 75 Condominium Homes Are

The Estuary of Marco is a 75-unit, low-rise condominium community at 2067 to 2235 San Marco Road, Marco Island, FL 34145, made up of two recorded condominiums: 48 units in six buildings completed in 1985 and 1986, and 27 units completed from 1988 to 1990. Units run from 914 to 1,291 heated square feet with two or three bedrooms.

No association website for the Estuary of Marco turned up in our research, so everything on this page is built from public records: the Collier County roll data files, the Florida condominium register, the Florida Division of Corporations, the Southwest Florida MLS pulled on 2026-10-07, federal flood, storm and water mapping, and Florida statute text. Where a fact belongs to the association’s own documents and is not public, this page says so and names the document that carries it.

Where the Estuary of Marco sits on Marco Island

The Estuary of Marco runs along San Marco Road on the east end of the island, between the island’s commercial centre on Collier Boulevard and the Goodland bridge. The U.S. Census Bureau geocoder places 2121 San Marco Road at latitude 25.93505, longitude -81.67923, and 2235 San Marco Road at latitude 25.93407, longitude -81.67768 (Census geocoder). Marco Island Academy, the island’s public charter high school, is the next address east at 2255 San Marco Road (Florida Department of Education school directory), and Vintage Bay Drive leaves San Marco Road beside it. A City project notice described the San Marco Road shared use pathway as running “from Vintage Bay Drive near the Marco Island Academy to Goodland Drive” (Coastal Breeze News, December 2021).

Estuary of Marco at a glance

ItemEstuary of MarcoSource
Recorded namesESTUARY OF MARCO, THE A CONDOMINIUM (48 units) and ESTUARY OF MARCO #2 A CONDOMINIUM (27 units)Collier County roll, data files dated 2026-08-29
State registerESTUARY OF MARCO INC A CONDO (48 units) and ESTUARY II OF MARCO (27 units)DBPR projects PR1P011853 and PR1P019426
Units75 (county roll and DBPR agree)County roll; DBPR
Addresses2067 to 2119 San Marco Road (the 27-unit phase) and 2121 to 2235 San Marco Road (the 48-unit phase)County roll; MLS unit addresses
Year built1985 and 1986 (48-unit phase); 1988 and 1990 (27-unit phase)County roll
Heated area914 to 1,291 sq ft, median 991 sq ftCounty roll
BedroomsTwo or threeSouthwest Florida MLS
Building typeLow rise, every MLS record labelled “Low Rise (1-3)”Southwest Florida MLS
Association of recordEstuary of Marco, Inc., Sunbiz document N08671, Active, filed 1985-04-12Florida Division of Corporations
FEMA flood zoneAE, base flood elevation 10 ft NAVD88, at every 48-unit-phase address tested; AE and X across the 27-unit phaseFEMA NFHL, FIRM panel 12021C0841J effective 2024-02-08
Closings, 24 months11, median $247,000, 24 months to 2026-10-07Southwest Florida MLS

Two condominiums under one name

The county roll keeps the Estuary of Marco as two condominiums. The first, recorded as ESTUARY OF MARCO, THE A CONDOMINIUM, holds 48 unit parcels at 2121 to 2235 San Marco Road with year-built dates of 1985 and 1986; its MLS unit numbers run from building 1 to building 6, each with units numbered 101 to 104 and 201 to 204. The second, ESTUARY OF MARCO #2 A CONDOMINIUM, holds 27 unit parcels at 2067 to 2119 San Marco Road, one street number per unit, built in 1988 and 1990. The Florida Department of Business and Professional Regulation (DBPR) registers them as two projects with two managing entities (DBPR Condo_CW extract). On the MLS, listing agents file the first phase under both ESTUARY OF MARCO and ESTUARY I, so this page sorts every sale by street number, not by the name a listing agent typed. In the rest of this page, “Estuary I” means the 48-unit phase and “Estuary II” means the 27-unit phase.

Which “Estuary” this page is about

“Estuary” is a common name in Southwest Florida real estate: Collier County alone has the Estuary at Grey Oaks in Naples and The Estuary at Everglades City, a 40-unit condominium on Copeland Avenue registered with the state in 2007 (DBPR Condo_CW extract). This page covers only the Marco Island condominiums on San Marco Road. A Florida limited liability company named Estuary of Marco Rentals, LLC, document L13000073754, is listed as inactive and is not the association (Florida Division of Corporations).

Why McGreevy and Comisar Are the Best Realtor for the Estuary of Marco

If you’re searching for the best realtor for the Estuary of Marco in Marco Island, Florida, whether you’re ready to sell your Estuary of Marco 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 and the #5 real estate team in Florida (RealTrends 2026), Top 1% Nationally since 2008, with over $2.5 billion sold as a team and $900 million in personal sales between Jesse and Marc.

Recent Estuary of Marco track record (24 months to 2026-10-07, Southwest Florida MLS): 11 Estuary of Marco resales total in the market · highest-priced Estuary of Marco sold: $450,000 · median sale-to-final-list ratio: 88.2 percent. The 12-month window held only four closings, so the 24-month window, the first with ten or more, leads. We tracked every one of the 37 Estuary of Marco closings on the Southwest Florida MLS in the five years to 2026-10-07, unit by unit, and the full lists are on this page.

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 Estuary of Marco home? Get a free home valuation at mcgreevyandcomisar.com/home-valuation or call Jesse direct at (239) 898-6072.

Buying a home in the Estuary of Marco? Call Marc at (239) 287-5873 for a personalized buyer consultation, or start a buyer consultation with our team.

Key Takeaways: the Estuary of Marco on Marco Island

  • The Estuary of Marco is 75 two- and three-bedroom condominium units in two recorded condominiums on San Marco Road, built 1985 to 1990 (Collier County roll).
  • In the 24 months to 2026-10-07, 11 units closed on the Southwest Florida MLS at a median of $247,000, from $170,000 to $450,000, a median of about $256 per square foot.
  • Only four units closed in the last 12 months, at a median of $212,000, and two units were listed for sale on 2026-10-07, both asking about $249,000.
  • The 27-unit Estuary II phase sells well above the 48-unit Estuary I phase: a median of $390,000 against $262,500 over 60 months.
  • Listing agents entered annual condo fees of $11,532 to $11,756 on every Estuary I sale and listing since August 2024, up from $6,504 to $7,572 in 2021 and 2022; Estuary II entries ran $8,388 to $9,228 in 2025.
  • The City of Marco Island’s building records show two-floor Estuary I buildings and one-floor Estuary II buildings, and the City holds no milestone inspection case for either condominium, consistent with buildings below the three-story threshold of Florida’s milestone and reserve study laws.
  • The FEMA flood zone is AE with a base flood elevation of 10 feet NAVD88 at every Estuary I address we tested, and AE or X across Estuary II, on panel 12021C0841J effective 2024-02-08.
  • Rental, pet and approval rules are not published on any public website we found; the recorded Declaration and the association’s rules govern and come with the resale documents.
  • In Collier County the buyer customarily pays for the owner’s title policy and chooses the closing agent; the signed contract controls on every sale.

Table of Contents

Living at the Estuary of Marco as a Homebuyer: What Daily Life Actually Looks Like

The Estuary of Marco suits a buyer who wants a Marco Island address at one of the island’s lowest condominium price points, in a quiet two-level setting away from the beach traffic: units of about 900 to 1,300 square feet, mapped coastal wetland beside the buildings and a charter high school next door. It does not suit a buyer who wants a Gulf view, a beach at the door or a published set of amenities.

Who buys at the Estuary of Marco

The sales record describes the buyer by what the property offers. Every one of the 75 units is a two- or three-bedroom home between 914 and 1,291 heated square feet (Collier County roll), every MLS closing in the last 60 months carries the label “Low Rise (1-3),” and the 24-month median sale was $247,000 (Southwest Florida MLS, to 2026-10-07). In our reading of the sales, that mix tends to draw three kinds of buyer: first-time Marco Island owners who want the island’s schools, boating and beaches for the lowest entry price; second-home owners who want a lock-and-leave unit; and families who value a high school a short walk away. The Census Bureau’s 2020 to 2024 American Community Survey puts the median value of an owner-occupied home in the City of Marco Island at $896,300 (U.S. Census QuickFacts, Marco Island city), so the Estuary of Marco’s 24-month median sale is under a third of the island’s typical home value.

The trade the property asks you to make

What the Estuary of Marco gives you is price, space for the price and quiet. What you give up is water frontage you can confirm, a beach within walking distance and published information: the Gulf beaches are a drive across the island, the condominium has no public website, and its rules, budget and reserve documents reach a buyer only through the resale package. A buyer here has to read documents, not brochures.

A first-hand view of the record

We tracked every Estuary of Marco closing on the Southwest Florida MLS for the five years to 2026-10-07, 37 closings in all, and read them against the 253 qualified recorded sales the Collier County roll data holds for the two condominiums. Three things stood out. First, the two phases are different products: Estuary II units sold at a median of $390,000 over 60 months and Estuary I units at $262,500. Second, prices have come back hard since 2024, and six units sold twice in the window, which shows the swing unit by unit. Third, the condo fee entered by listing agents for Estuary I rose by more than half between 2022 and 2025, which is the number a buyer now asks about first.

What Did Estuary of Marco Condos Sell For? Market Snapshot

The Estuary of Marco recorded 11 closed sales on the Southwest Florida MLS in the 24 months to 2026-10-07, at a median of $247,000 and a range of $170,000 to $450,000. The 12-month window held only four sales, so the 24-month window, the first of the 12, 24, 36 and 60 month windows to hold ten or more closings, leads every figure below.

Data updated: October 2026. All MLS figures are for the 24 months to 2026-10-07, Southwest Florida MLS, unless another window is named.

Estuary of Marco, 24 months to 2026-10-07 (Southwest Florida MLS)

MeasureFigureCount behind it
Closed sales1111
Median sale price$247,00011 sales
Lowest and highest sale$170,000 to $450,00011 sales
Dollar volume$3,011,00011 sales
Median price per square footabout $25611 sales
Median days on market3111 sales
Median sale to final list price88.2 percent11 sales
Sales entered after closing (Sold Data Entry)011 sales

Medians are the middle value of the sorted sales; with 11 sales, the median is the 6th, which is $247,000. Price per square foot is each sale’s price divided by its MLS square footage, then the median of those 11 ratios.

Every Estuary of Marco closing, 24 months to 2026-10-07

ClosedUnitPhaseSq ftBedsSoldFinal list$/sq ftDays on market
2026-09-082185 San Marco Rd, unit 3-103Estuary I9142$234,000$234,000$2562
2026-05-122153 San Marco Rd, unit 2-203Estuary I1,2893$170,000$199,000$1323
2026-03-092225 San Marco Rd, unit 5-103Estuary I9142$190,000$219,000$20862
2025-10-072221 San Marco Rd, unit 5-101Estuary I9482$248,000$289,000$262164
2025-08-142171 San Marco Rd, unit 1-202Estuary I1,2893$240,000$299,000$186165
2025-08-062223 San Marco Rd, unit 5-102Estuary I9482$215,000$229,000$227152
2025-05-162115 San Marco RdEstuary II1,4103$400,000$459,000$28431
2025-02-282093 San Marco RdEstuary II1,2733$450,000$489,500$3539
2025-02-142169 San Marco Rd, unit 1-201Estuary I9482$247,000$280,000$26118
2024-12-122187 San Marco Rd, unit 3-104Estuary I9482$287,000$298,000$30324
2024-11-062173 San Marco Rd, unit 1-203Estuary I1,2893$330,000$350,000$256109

Source: Southwest Florida MLS, closed sales matched to the condominium names ESTUARY OF MARCO and ESTUARY I, pulled 2026-10-07. Square footage and bedrooms are as entered in the MLS; phase is assigned by street number.

The last 12 months on their own

Four units closed in the 12 months to 2026-10-07: $248,000, $190,000, $170,000 and $234,000, all in Estuary I. The median of these four sales is $212,000, the volume $842,000, and the median sale to final list 86.3 percent (Southwest Florida MLS). Four sales are too few to stand as a price signal on their own, which is why the 24-month window leads, but the direction is plain: every one of the four sold below $250,000.

The county record corroborates the MLS

The Collier County roll data dated 2026-08-29 (recorded sales through 2026-08-24) holds 10 qualified, arm’s-length recorded sales of Estuary of Marco units in the 24 months to 2026-08-24, at a median of $247,500 and a range of $170,000 to $450,000. A qualified recorded sale is a deed the county has graded as a fair market, arm’s-length transfer; it is a county record, not an MLS record, and its dates are deed dates. The county window ends about six weeks before the MLS pull, so it does not yet hold the $234,000 sale of unit 3-103 that closed on 2026-09-08. Where a deed and the MLS describe the same sale, they agree on price in this record: the $170,000 sale at 2153 San Marco Road carries a deed date of 2026-05-07 and an MLS closing date of 2026-05-12, and the $450,000 sale at 2093 San Marco Road a deed date of 2025-02-27 and an MLS closing date of 2025-02-28.

How to read the 88.2 percent sale-to-list figure

Sale to list here means the sale price divided by the final list price, after any price reductions. A median of 88.2 percent means the typical Estuary of Marco seller in the last 24 months accepted about 11.8 percent less than the last asking price. Only one of the 11 sellers, at unit 3-103 in September 2026, sold at the final asking price, $234,000 after two days. Five of the eleven sold below 88 percent of their final ask. Pricing right at the start matters here more than almost anywhere on the island.

The two phases price as different products

Over the 24 months, the nine Estuary I sales had a median of $240,000 and ranged from $170,000 to $330,000, while the two Estuary II sales closed at $400,000 and $450,000 (the median of these two sales is $425,000). Over 60 months the gap holds: 28 Estuary I sales at a median of $262,500 and nine Estuary II sales at a median of $390,000. The Estuary II units are larger on average and each has its own street number, and on this record they trade in a different price band; a valuation for one phase built from the other’s sales would be wrong by six figures.

Thinking of buying or selling at the Estuary of Marco? Talk to us first

The Estuary of Marco is a 75-unit San Marco Road condominium community inside the City of Marco Island, with a 24-month median sale of $247,000 (Southwest Florida MLS, to 2026-10-07) and a price gap of more than $100,000 between its two phases. McGreevy and Comisar have been Top 1% Real Estate Agents Nationally Since 2008. Sellers: get a free valuation at mcgreevyandcomisar.com/home-valuation or call Jesse direct at (239) 898-6072. Buyers: call Marc at (239) 287-5873 or book a buyer consultation.

How Have Estuary of Marco Prices Moved Since 2021? Sales by Year

Estuary of Marco prices rose from 2021 to a 2024 peak and have since fallen: the median MLS sale was $275,000 in 2022, $320,000 in 2023 and $330,000 in 2024, then $247,500 in 2025 and $190,000 so far in 2026, on three to eleven closings a year (Southwest Florida MLS, pulled 2026-10-07).

Data updated: October 2026.

Estuary of Marco closings by calendar year (Southwest Florida MLS)

YearClosingsMedian saleNote
20211$215,000Partial year: 2021-10-07 to 2021-12-31 only
20229$275,000Full year
202311$320,000Full year
20247$330,000Full year
20256$247,500Full year
20263$190,000Partial year: to 2026-10-07

Every year but 2023 holds fewer than ten sales, so each of those medians is the median of that year’s sales only. The 60-month window behind this table holds 37 closings, two of them entered after closing (Sold Data Entry), which counts in closing counts and medians and is excluded from days on market and sale to list. The year medians also move with the mix of phases: the two 2025 Estuary II sales at $400,000 and $450,000 lift that year’s figures.

Six units that sold twice: the swing unit by unit

Unit (Estuary I)First saleSecond saleChange
2149 San Marco Rd, unit 2-201$265,000 (2022-09-06)$285,000 (2023-02-27)+$20,000
2131 San Marco Rd, unit 6-202$315,000 (2022-10-06)$356,500 (2023-03-03)+$41,500
2181 San Marco Rd, unit 3-101$255,000 (2022-12-20)$320,000 (2023-08-18)+$65,000
2187 San Marco Rd, unit 3-104$275,000 (2022-05-04)$287,000 (2024-12-12)+$12,000
2223 San Marco Rd, unit 5-102$259,000 (2022-04-22)$215,000 (2025-08-06)-$44,000
2221 San Marco Rd, unit 5-101$255,000 (2022-08-31)$248,000 (2025-10-07)-$7,000

Source: Southwest Florida MLS, closings in the 60 months to 2026-10-07. Unit 5-101 also sold for $215,000 on 2021-12-23. Repeat sales of the same unit strip out size and floor plan, so they are the cleanest read of the market’s direction here: pairs whose second sale closed in 2023 or 2024 gained, and pairs whose second sale closed in 2025 lost ground on 2022 prices. Unit 2-201 is on the market again in October 2026 at $249,000, below both of its earlier sale prices.

A longer view from the county record

The Collier County roll data holds 253 qualified recorded sales across the two condominiums. The table below gives the count and median of the qualified sales the county file holds for each year since 2009; years with fewer than ten sales show the median of those sales only, and the file’s 2026 figures end on 2026-08-24.

YearCounty qualified salesMedian of those sales
20093$115,500
20103$105,000
20112$73,000
20122$92,500
20133$112,500
20144$94,500
20159$154,000
20166$179,500
20176$185,000
20185$195,000
20194$184,000
20208$158,750
202115$190,000
202210$270,000
202310$317,500
20247$330,000
20256$247,500
2026 (to 2026-08-24)2$180,000

Source: Collier County roll and qualified recorded sales data files dated 2026-08-29. This is a history table, not a price signal: the 24-month MLS window above is the current read.

What the curve says for Estuary of Marco buyers and sellers

The county history shows how far these units have travelled: from medians under $120,000 in the years after the 2008 crash to $330,000 in 2024. In our reading, the drop since 2024 is consistent with buyers pricing in higher condo fees, insurance and storm costs on older Florida condominiums after Hurricane Ian and the 2022 to 2025 condominium law changes; the MLS and county figures show the price movement, not its cause. The 36-month window (17 closings, median $260,000) and the 60-month window (37 closings, median $285,000) sit above the 24-month median of $247,000. Those wider windows are context; the 24-month figure is the current price signal.

What Is for Sale at the Estuary of Marco Right Now, and How Does the Ask Compare?

The Estuary of Marco had two units listed for sale and none pending on 2026-10-07, both 948 square foot two-bedroom units in Estuary I asking $249,000 and $249,985. Both asks sit within about $3,000 of the 24-month median sale of $247,000, and both have been on the market for more than 100 days.

Data updated: October 2026. Active listings as of 2026-10-07, Southwest Florida MLS.

Every active Estuary of Marco listing on 2026-10-07

UnitSq ftBedsList priceList $/sq ftDays on marketAnnual condo fee as entered
2149 San Marco Rd, unit 201 (building 2)9482$249,000$263302$11,532
2155 San Marco Rd, unit 2-2049482$249,985$264113$11,756

Source: Southwest Florida MLS, active and pending listings on 2026-10-07. The fee column is as entered by the listing agent.

Months of supply at the Estuary of Marco

Two active listings against 11 sales in 24 months (0.46 sales a month) is about 4.4 months of supply; measured against the four sales of the last 12 months (0.33 a month) it is about 6.0 months. On either measure, a seller here competes with the other listing on the same road, and a buyer has time.

The ask versus achieved gap at the Estuary of Marco

The two asking prices sit close to what 948 square foot Estuary I units have actually sold for: $248,000 (unit 5-101, October 2025), $247,000 (unit 1-201, February 2025) and $287,000 (unit 3-104, December 2024). The newest sale of a smaller 914 square foot unit closed at $234,000 in September 2026. An asking price is not a sale; the closed sales above are the evidence a lender’s appraiser will use.

Estuary of Marco Floor Plans: 914 to 1,291 Square Feet, Two and Three Bedrooms

The Estuary of Marco has two families of floor plans. Estuary I units are 914, 948 or 1,289 heated square feet on the Collier County roll, the two smaller sizes as two-bedroom units and the 1,289 square foot plan as three bedrooms; Estuary II units run from 991 to 1,273 square feet, with the 1,273 square foot plan the most common among units that have sold.

Unit sizes by phase (Collier County roll)

PhaseHeated sq ft on the rollUnits with that size among those with a recorded saleYear built
Estuary I914101985 to 1986
Estuary I948221985 to 1986
Estuary I1,289111985 to 1986
Estuary II99181988
Estuary II1,018, 1,072 or 1,08451988 to 1990
Estuary II1,273101988 to 1990

Counts are the distinct unit addresses that appear in the county’s qualified sales file: 43 of the 48 Estuary I units and 23 of the 27 Estuary II units. The roll’s overall range is 914 to 1,291 square feet with a median of 991 for all 75 units.

Price by floor plan, 60 months to 2026-10-07

In Estuary I, the 22 sales of 914 to 1,020 square foot two-bedroom units (MLS sizes) had a median of $259,500, and the six sales of 1,289 square foot three-bedroom units a median of $322,500. Across both phases, the 25 two-bedroom sales had a median of $265,000 and the 12 three-bedroom sales $363,250 (Southwest Florida MLS). The three-bedroom premium inside Estuary I is about $63,000 for roughly 340 more square feet.

MLS square footage versus the county roll

Listing agents sometimes enter a size the county roll does not carry. The 2025 sale at 2115 San Marco Road was entered at 1,410 square feet against 1,273 on the roll, 2071 San Marco Road at 1,100 against 1,072, and 2089 San Marco Road at 1,000 against 991. Unit 5-102 at 2223 San Marco Road was entered at 914 square feet in 2022 and 948 in 2025; the roll says 914. For price per square foot, compare like with like, and use the roll’s figure for a valuation.

Two bedrooms or three at the Estuary of Marco?

The three-bedroom question matters more here than at most island condominiums, because three-bedroom units are scarce in this price band. The record shows the 1,289 square foot Estuary I plan selling from $170,000 to $356,500 in the 60 months to 2026-10-07, the widest swing of any plan: the $170,000 sale in May 2026 sold three days after listing at 85.4 percent of its final ask, which in our reading points to condition, not to the plan. Condition carries a large share of the price at every Estuary of Marco size.

Who Created the Estuary of Marco, and How Is the Condominium Recorded?

The Estuary of Marco association was incorporated in Florida in April 1985, its first 48-unit condominium carries a state register date of August 1985 and its 27-unit second phase a date of March 1989, and its buildings were completed between 1985 and 1990. Three public records identify it, and they agree on the unit count: 48 plus 27, or 75.

The Collier County roll

The Collier County roll data dated 2026-08-29 records 75 improved condominium parcels: 48 under ESTUARY OF MARCO, THE A CONDOMINIUM and 27 under ESTUARY OF MARCO #2 A CONDOMINIUM, all on San Marco Road, with year-built dates from 1985 to 1990 (median 1986) and heated area from 914 to 1,291 square feet. Collier County roll data was read from the files already pulled for this build; the Property Appraiser’s website was not queried.

The state condominium register (DBPR)

The DBPR public condominium extract lists ESTUARY OF MARCO INC A CONDO, project PR1P011853, file 52407, 48 units, recorded date 1985-08-22, managing entity Estuary of Marco Inc in care of Sandcastle Community Management in Naples; and ESTUARY II OF MARCO, project PR1P019426, file 52814, 27 units at 2067 to 2097 San Marco Road, recorded date 1989-03-02, managing entity Estuary II of Marco Inc A Condo Assoc with a Marco Island post office box (DBPR Condo_CW extract). Both projects show primary status Approved and secondary status Recorded. Buyers can look up any registered Florida condominium the same way through the division’s public records page (DBPR public records).

The corporate record (Sunbiz)

The Florida Division of Corporations lists Estuary of Marco, Inc. as document N08671, status Active, filed 1985-04-12, with its principal address at 2121 San Marco Road, Marco Island, and Resort Management Group as registered agent (Florida Division of Corporations). A search of the same register for the second phase’s managing entity name, Estuary II of Marco, returned no matching corporation on 2026-10-21, so whether the second phase is governed by its own corporation under another name or by Estuary of Marco, Inc. is a question for the resale documents. Officers and directors are listed on the state record; this page does not name individuals.

The Declarations of Condominium

Each phase has its own recorded Declaration of Condominium in the Collier County Official Records, searchable through the Clerk of the Circuit Court (Collier County Clerk records search). We did not retrieve either recorded instrument for this page, and no copy is published on a public website we could find. The Declarations, their amendments, the bylaws and the rules are the documents that set leasing, pet, approval and alteration rules for each phase, and Florida law requires a resale seller to provide them (see the rules section below).

Management and the association office

The state records name two management contacts for the 48-unit phase: the DBPR register lists Sandcastle Community Management as the managing entity’s care-of address, while the Sunbiz record names Resort Management Group as registered agent. The two records were updated at different times, and either may be current. A buyer asks the seller or listing agent which company issues estoppel certificates and resale documents today, because that company is the one that will set the timeline for closing.

What Amenities Does the Estuary of Marco Have?

The Estuary of Marco does not publish an amenity list on any public website we found, and the public records describe only units, not common facilities. Pools, docks, parking assignments and storage are set by each phase’s Declaration and site plan, so a buyer confirms what the common elements include, and what they cost to maintain, from the resale documents.

What the public record does and does not show

The county roll counts 75 residential unit parcels and no separate amenity parcel in the files pulled for this build, and the DBPR register describes units, not facilities. Neither record says whether the property has a pool, boat docks, covered parking or storage, and we do not state what the common elements include on the strength of a listing description. The City of Marco Island’s building layer does map a pool structure among the Estuary I footprints (City of Marco Island GIS); who may use it, and its rules, come from the Declaration. Under the card rule this page follows, building amenity specifics need a primary source: a recorded Declaration section, the association’s own public document, or dated MLS listing remarks.

Public amenities within a short drive

The island’s public recreation is close by. The City of Marco Island lists Mackle Park at 1361 Andalusia Terrace, with a playground, sports fields, a walking path, a teen center and a water spray park, and its Racquet Center at 1275 San Marco Road, with tennis, pickleball and racquetball, on the same road as the Estuary of Marco (City of Marco Island parks index; Marco Island Racquet Center). Mackle Park is about 3 miles by road (an estimated 7.5 minutes at free-flow speed on the public OSRM router), and the San Marco Road shared use pathway runs along the road toward Goodland (Coastal Breeze News, December 2021).

What to ask for in the resale package

Ask for the site plan and the Declaration exhibits that show the common elements, any limited common elements assigned to the unit (a parking space, a storage closet), the rules for any pool or common area, and the association’s insurance schedule, which lists every insured common structure. Florida law entitles a resale buyer to the declaration, articles, bylaws, rules, budget and financial statement before the sale is binding (Fla. Stat. 718.503).

The Setting: Coastal Wetland, Barfield Bay and the East End of San Marco Road

The Estuary of Marco sits on the east end of Marco Island, where the U.S. Geological Survey’s National Hydrography Dataset maps swamp and marsh wetland, the federal map’s class for coastal wetland such as mangrove, within about 50 meters of the buildings and Barfield Bay, a 3-square-kilometer estuarine bay, within about half a kilometer. That setting is the source of the name, and it is also why the site sits in a coastal flood zone.

What the federal water maps show

We queried the USGS National Hydrography Dataset at three points along the property on 2026-10-21: the large-scale waterbody layer returns swamp and marsh features within 50 meters of the points at 2121 and 2235 San Marco Road, small ponds within 150 to 300 meters, and the named Barfield Bay estuary area within 500 meters of all three points (USGS National Map hydrography service). The neighbouring Vintage Bay association describes its own buildings as “on Picturesque Barfield Bay” (Vintage Bay Condominium Association), which places the bay a short distance south and east of the Estuary of Marco.

Water access and boating

No public record we read says that the Estuary of Marco has boat docks, slips or direct navigable access, and we do not claim it does. A buyer who wants a boat slip asks for the Declaration exhibits and the site plan, and checks any dock against the City of Marco Island’s dock and seawall rules. Island marinas and public ramps are the alternative for owners here.

The east end of the island

The east end of San Marco Road is the island’s quieter side: Marco Island Academy is the next address east, the Vintage Bay condominium sits at the end of Vintage Bay Drive, Stevens Landing is about half a mile east by road, and the Stan Gober Memorial Bridge to Goodland is about 1.7 miles east (estimates on the public OSRM router). The island’s main supermarkets and its urgent care center are about 2.5 to 4.4 miles west by road. The daily logistics section below gives the figures.

What Are the HOA Fees at the Estuary of Marco, and What Do They Cover?

Estuary of Marco condo fees, as entered by listing agents on the Southwest Florida MLS, run $11,532 to $11,756 a year on both Estuary I units listed on 2026-10-07 and on every Estuary I closing since August 2024, paid quarterly at $2,883 to $2,939 or monthly at $961. Estuary II entries were lower: $8,388 and $9,228 a year on its two 2025 sales.

Data updated: October 2026. Listing-entered fees, Southwest Florida MLS, pulled 2026-10-07.

Listing-entered Estuary of Marco fees (Southwest Florida MLS)

Listing setCountAnnual condo fee as enteredFrequency entered
Estuary I active listings, 2026-10-072$11,532 and $11,756Quarterly ($2,883 and $2,939)
Estuary I closings, August 2024 to September 202610$11,532 to $11,756Quarterly ($2,649.26 to $2,939) or monthly ($961)
Estuary II closings, 20252$8,388 and $9,228Monthly ($699) or quarterly ($2,307)

These are figures as entered by listing agents, not the association’s budget. Application fees entered were $150 on Estuary I listings and $175 on two Estuary II listings, and one active Estuary I listing shows a $150 transfer fee as entered.

How the Estuary I fee has moved since 2021

Closing periodAnnual condo fee as entered (Estuary I)
December 2021 to January 2023$6,504 to $7,572 on nine closings
February and March 2023$15,084 on three closings
August 2023 to May 2024$9,084 on four closings, and $27,716 on one in August 2023
July 2024$27,732 on one closing
August 2024 to September 2026$11,532 to $11,756 on ten closings

The regular fee entered for Estuary I rose from $6,504 to $7,572 a year in 2021 and 2022 to $11,532 a year from August 2024, an increase of between 52 and 77 percent depending on the starting figure. The $15,084, $27,716 and $27,732 entries sit far above the entries before and after them; they may include a special assessment or be entry errors, and the listing record does not say which. Ask the association whether any special assessment was levied in 2023 or 2024 and whether any is outstanding.

What the Estuary of Marco fee covers

The associations’ budgets, reserve schedules and fee inclusions are not published on any public website we found. Under Florida law a buyer is entitled, at the seller’s expense, to the annual budget and annual financial statement as part of the resale documents (Fla. Stat. 718.503), and the estoppel certificate states the regular assessment and anything owed (Fla. Stat. 718.116). Read those before you rely on any fee figure, including ours. Sellers can get a free valuation that accounts for the fee, and buyers can book a buyer consultation to read the documents with us.

The fee as a share of price

At $11,532 a year, the Estuary I fee is about 4.7 percent of the 24-month median sale of $247,000 ($11,532 divided by $247,000 is 4.67 percent), and about 4.6 percent of a $249,000 asking price. That is a high ratio for a Marco Island condominium, and it is the main reason the fee, not the price, is the first number buyers here ask about. On the 2025 Estuary II sales, the ratios were 1.9 percent ($8,388 on $450,000) and 2.3 percent ($9,228 on $400,000).

The Layered Costs of Owning at the Estuary of Marco

Owning at the Estuary of Marco costs more than the condo fee: property tax at the 2025 Marco Island millage, an HO-6 unit-owner insurance policy, flood insurance where a lender requires it, application fees, an estoppel fee at sale and closing costs. Each layer below is sourced, and the worked example shows the arithmetic.

Property tax at the Estuary of Marco

A standard Marco Island parcel carried 8.9535 mills of confirmed ad valorem levies for tax year 2025: Collier County 3.2449 (general fund, water pollution control and Conservation Collier), Collier County Public Schools 4.2490, South Florida Water Management District with the Big Cypress Basin 0.1926, and the City of Marco Island 1.2670 (Florida Department of Revenue, Table 1, Collier 2025-26; City of Marco Island FY2026 adopted budget). The Collier Mosquito Control District levy is extra and its 2025 rate was not confirmed. At 8.9535 mills, every $100,000 of taxable value carries $895.35 a year. A buyer’s taxable value resets to just value the year after purchase, and a homestead owner can claim the exemptions in Fla. Stat. 196.031 and the Save Our Homes cap in Fla. Stat. 193.155; a non-homestead unit is capped at 10 percent a year for non-school levies under Fla. Stat. 193.1554.

Application and transfer fees

Listing agents entered a $150 application fee on most Estuary I listings and $175 on two Estuary II listings, and $100 or $150 transfer fees on a few. Florida law lets a condominium association charge a transfer or lease approval fee only when it must approve the transfer and its documents provide for the fee, caps that fee at $150 per applicant (spouses, or a parent and dependent children, count as one applicant), adjusts the cap every five years for inflation, and bars a fee on a lease renewal with the same tenant (Fla. Stat. 718.112). Where the documents allow it, the association may also hold a lease security deposit of up to one month’s rent in escrow.

The estoppel certificate at sale

An estoppel certificate is the association’s statement of what a unit owes. Florida law requires the association to issue it within 10 business days of a request, makes it effective for 30 days when delivered by hand or electronically, and caps the fee at $250 when nothing is delinquent, plus $100 for delivery within three business days and up to $150 more when an account is delinquent (Fla. Stat. 718.116). The same statute makes a buyer jointly and severally liable with the previous owner for unpaid assessments, which is why the estoppel is read before closing, not after.

Closing costs and the Collier County title custom

Florida charges documentary stamp tax on a deed at 70 cents per $100 of consideration (Fla. Stat. 201.02), so a $247,000 Estuary of Marco sale carries $1,729 of deed stamps, customarily paid by the seller. A financed buyer pays 35 cents per $100 on the note (Fla. Stat. 201.08) and the 2-mill nonrecurring intangible tax on the mortgage (Fla. Stat. 199.133); on a $197,600 loan (80 percent of $247,000) that is $691.60 and $395.20. In Collier County the buyer customarily pays for the owner’s title insurance policy and selects the title agent, the reverse of neighbouring Lee County, per a Naples real estate law firm (Goodwin Law) and a Florida title and law firm’s county table (Barnes Walker). The signed contract controls on every sale: the standard Florida contract has a box that decides who pays and who chooses.

A worked monthly carrying cost for an Estuary I unit

For a non-homestead Estuary I unit with a $247,000 taxable value and the common $11,532 condo fee: the fee is $961.00 a month ($11,532 divided by 12); property tax at 8.9535 mills is $2,211.51 a year, or $184.29 a month; together that is $1,145.29 a month before HO-6 insurance, any flood policy, electricity, mosquito control and any non-ad valorem charge on the tax bill. Insurance premiums vary by carrier, coverage and unit and are not estimated here. A homestead owner’s tax would be lower after the exemptions.

Estuary of Marco Rules: Declarations, Bylaws, Approvals and Renovations

The Estuary of Marco’s rules live in each phase’s recorded Declaration of Condominium, its bylaws and any rules the board has adopted, and none of those documents is published on a public website we found. A buyer reads them in the resale package before the contract becomes binding, and a seller should have them in hand before listing.

What Florida law says the seller must hand over

For a resale, Florida law requires the seller to give the buyer the declaration, articles of incorporation, bylaws and rules, the most recent annual financial statement and annual budget, the frequently asked questions and answers document, the milestone inspection summary where one applies, and the most recent structural integrity reserve study or a statement that none has been completed. If the buyer does not receive them before signing, the contract is voidable by the buyer until 7 days, excluding Saturdays, Sundays and legal holidays, after receipt, or until closing (Fla. Stat. 718.503).

Approvals for buyers and tenants

Whether either association must approve a purchaser or a tenant is set by its Declaration, which we did not retrieve. Listing agents entered a $150 application fee on most Estuary I listings and $175 on two Estuary II listings, which suggests an application step for at least some transfers, but the entry does not say whether it applies to buyers, tenants or both. Florida law allows an approval fee only when the association is required to approve the transfer and its documents provide for the fee (Fla. Stat. 718.112). Ask the management company for its application packet and timeline at the start of the contract period.

Alterations to a unit that touch the common elements, such as windows, doors, plumbing risers or structural walls, normally need the association’s written consent under the Declaration, and most construction work on Marco Island needs a permit from the City of Marco Island. The City’s code also limits construction noise to 7:00 a.m. to 7:00 p.m. and bars it on Sundays and holidays (Marco Island Code of Ordinances, Municode). Read the Declaration’s alteration section before you price a renovation.

Official records any owner can inspect

Once you own a unit, Florida law gives you the right to inspect and copy the association’s official records, including minutes, budgets, insurance policies and contracts, and the association must make them available within 10 working days of a written request (Fla. Stat. 718.111). Before you own, the seller’s resale package and the estoppel certificate are your window into the same records.

Can You Rent Your Estuary of Marco Condo? Short-Term and Annual Lease Rules

Rental rules at the Estuary of Marco are set by each phase’s Declaration and rules, and neither is published on a public website we found, so the minimum lease term, the number of leases allowed a year and any approval step are not confirmed on this page. Florida law limits what the City can regulate, but it does not limit what a condominium’s own documents can restrict.

What the City of Marco Island and Florida law add

The City of Marco Island has no enforceable vacation rental registration program: Resolution 23-54, adopted 2023-10-02, declared the 2022 rental registration ordinance null and void after the 2023 state law change (SB 250), and nothing has replaced it (City of Marco Island Resolution 23-54). Florida law bars local governments from prohibiting vacation rentals or regulating their duration or frequency under ordinances adopted after June 1, 2011 (Fla. Stat. 509.032). That preemption limits the City, not the association: condominium documents can restrict rentals on their own, which is why the Declaration is the document that decides.

Taxes on short-term rentals

Rentals of six months or less owe Florida sales tax and the Collier County tourist development tax, collected by the Collier County Tax Collector (Collier County Tax Collector, tourist development tax).

What a rental investor should ask for

Ask for the Declaration’s leasing article and any amendments, the board’s current lease application and fee, the minimum term, any limit on the number of leases a year, whether the owner gives up common-area use while the unit is rented, and whether a lease must be approved before move-in. If an amendment restricting rentals was adopted after a seller bought, Florida law generally applies it only to owners who consent and to later buyers (Fla. Stat. 718.110), so the date of any rental amendment matters to an investor.

Are Pets Allowed at the Estuary of Marco?

The Estuary of Marco’s pet rules are not published on any public website we found, and we do not state them from a listing description. Each phase’s Declaration and rules set whether pets are allowed, how many and how large, and a buyer with a pet confirms the rule in the resale package before signing.

A request to keep an assistance animal as a reasonable accommodation for a disability is handled under the federal Fair Housing Act and Florida law, not under a pet rule, and the U.S. Department of Housing and Urban Development publishes the federal guidance on how housing providers assess those requests (HUD, assistance animals). Any such request goes to the association in writing.

Is the Estuary of Marco a 55+ community?

No age restriction appears in any public record we read for the Estuary of Marco. A community that operates as housing for older persons under the federal Housing for Older Persons Act has to publish and follow policies showing that intent, and the Declaration and rules in the resale package would show it if it applied.

What Flood Zone Is the Estuary of Marco In? Storm Posture and Hurricane History

The Estuary of Marco sits in FEMA flood zone AE with a base flood elevation of 10 feet NAVD88 at every Estuary I address we tested, and across a mix of zone AE (base flood elevation 9 or 10 feet) and zone X (0.2 percent annual chance) in Estuary II, all on FIRM panel 12021C0841J effective 2024-02-08. The ground at the points tested is about 6.9 to 8.8 feet NAVD88.

FEMA flood zone at ten Estuary of Marco addresses

Address testedPhaseFEMA zoneBase flood elevationGround elevation (USGS 3DEP)
2121 San Marco RdEstuary IAE (coastal floodplain)10 ft NAVD888.6 ft NAVD88
2165 San Marco RdEstuary IAE (coastal floodplain)10 ft NAVD887.6 ft NAVD88
2185 San Marco RdEstuary IAE (coastal floodplain)10 ft NAVD887.5 ft NAVD88
2213 San Marco RdEstuary IAE (coastal floodplain)10 ft NAVD887.5 ft NAVD88
2235 San Marco RdEstuary IAE (coastal floodplain)10 ft NAVD886.9 ft NAVD88
2115 San Marco RdEstuary IIAE (coastal floodplain)10 ft NAVD888.8 ft NAVD88
2093 San Marco RdEstuary IIX (0.2 percent annual chance, coastal)none8.8 ft NAVD88
2071 San Marco RdEstuary IIX (0.2 percent annual chance, coastal)none8.1 ft NAVD88
2069 San Marco RdEstuary IIX (0.2 percent annual chance, coastal)none8.0 ft NAVD88
2067 San Marco RdEstuary IIAE (coastal floodplain)9 ft NAVD888.2 ft NAVD88

Method: each address was geocoded with the U.S. Census Bureau geocoder and tested against the FEMA National Flood Hazard Layer, with ground elevation read from the USGS 3D Elevation Program (2018 survey), on 2026-10-07 (2067 to 2071) and 2026-10-21 (the other seven); every point fell on FIRM panel 12021C0841J, effective 2024-02-08, and outside the Coastal Barrier Resources System (FEMA National Flood Hazard Layer service; FEMA Flood Map Service Center; USGS 3D Elevation Program; USFWS CBRS mapper). A geocoded point can fall on the street rather than the building, so this is a map indication, not a flood determination; the building’s Elevation Certificate and the FEMA address search give the structure’s own zone.

Ground versus base flood elevation

At the five Estuary I points the ground sits 1.4 to 3.1 feet below the 10-foot base flood elevation (10.0 minus 8.6 is 1.4; 10.0 minus 6.9 is 3.1). The Estuary of Marco’s ground is higher than much of the island’s bayside: at the three Stevens Landing addresses half a mile east, the ground is 4.7 to 5.1 feet NAVD88 under the same 10-foot base flood elevation. The buildings date from 1985 to 1990, before the current map took effect, so the elevation of each building’s lowest floor comes from its Elevation Certificate, which the association or the City floodplain office can supply. The City’s flood code requires new or substantially improved construction to put the lowest floor at or above base flood elevation plus freeboard, and treats work at 50 percent of a structure’s market value, counted cumulatively over 12 months, as a substantial improvement (City of Marco Island floodplain documents).

Evacuation zone

The Florida Division of Emergency Management’s statewide evacuation zone layer places the island’s bayside condominium addresses, the Estuary of Marco included, in Collier County storm surge evacuation zone A. That layer is a hosted state copy; confirm the zone on Collier County Emergency Management’s own Know Your Zone lookup (Collier County Emergency Management).

Hurricane Irma, 10 September 2017

Irma made its final U.S. landfall near Marco Island at 3:30 p.m. EDT as a category 3 hurricane; a spotter on the island measured a 936.9 millibar pressure and 97-knot sustained wind, and the Marco Island Police Department recorded a 113-knot gust. The USGS sensor at Tigertail Beach recorded a storm tide of 5.20 feet NAVD88, and the National Hurricane Center put inundation from Marco Island north to Fort Myers at 3 to 5 feet above ground (NHC Tropical Cyclone Report, Irma).

Hurricane Ian, 28 September 2022

Ian made landfall at Cayo Costa, far north of Marco, but the National Hurricane Center put maximum inundation at 4 to 6 feet above ground from Marco Island through Everglades City, with a surveyed high water mark of 4.71 feet above ground (6.99 feet NAVD88) on Marco Island and a storm tide of 7.38 feet NAVD88 at the Marco Island USGS sensor (NHC Tropical Cyclone Report, Ian). Those water levels are close to or above the 6.9 to 8.8 foot ground readings at the Estuary of Marco points. The National Weather Service Miami summary lists Marco Island damage at $256 million in its Collier County table (NWS Miami, Hurricane Ian summary). We found no public record of Ian damage specific to the Estuary of Marco; ask the associations for their post-Ian repair, insurance and assessment history.

Helene and Milton, 2024

Hurricane Helene in September 2024 brought 2 to 4 feet of inundation above ground to areas including Marco Island, and Hurricane Milton in October 2024 brought 3 to 5 feet from Bonita Beach through Marco Island, per the National Hurricane Center (NHC report, Helene; NHC report, Milton). The City’s manager told NBC2 the island saw about 2 feet of surge in Milton under a mandatory evacuation notice (NBC2, 2024-10-11). Sellers pricing a unit with a storm history can start with a free valuation; buyers who want the flood records read with them can book a buyer consultation.

Insuring an Estuary of Marco Condo: Master Policy, HO-6 and Flood

An Estuary of Marco owner carries an HO-6 unit-owner policy for the inside of the unit and personal liability, while the association insures the buildings under its master policy and passes that cost through the condo fee. Flood is a separate peril from wind and homeowners coverage, and with most of the property in zone AE, a lender will usually require it.

Citizens and the flood insurance requirement

Florida’s insurer of last resort, Citizens Property Insurance, must require flood insurance on most personal residential policies, phased in by replacement cost, but the statute exempts “Policies that provide coverage under a condominium unit owners form,” so a Citizens HO-6 on an Estuary of Marco unit does not trigger the requirement; a Citizens policy on a condominium association’s building does (Fla. Stat. 627.351). A federally backed lender requires flood coverage on a building in zone AE.

National Flood Insurance Program basics and the City’s CRS class

FEMA’s FloodSmart site says premiums for most policyholders cannot rise more than 18 to 25 percent a year, adds a Reserve Fund Assessment, an HFIAA surcharge ($25 for a primary residence, $250 otherwise) and a federal policy fee, and says a buyer may be able to assume the seller’s NFIP policy (FEMA FloodSmart, premium costs; FEMA FloodSmart, flood zones). FEMA’s list of Community Rating System eligible communities effective October 1, 2026 shows the City of Marco Island, community number 120426, at Class 5, a 25 percent premium discount in the special flood hazard area, effective since 2023-10-01 (FEMA CRS eligible communities, October 2026).

Wind mitigation credits

Florida requires insurers to offer actuarially reasonable discounts for wind-resistant features such as roof strength, roof-to-wall connections and opening protection (Fla. Stat. 627.0629), documented on the state’s uniform mitigation verification form (Fla. Stat. 627.711; Rule 69O-170.0155). In a low-rise condominium most of those features belong to the building, so the credits show up on the association’s master policy; impact windows and doors inside a unit’s own walls can also matter to the HO-6.

The seller’s flood disclosure

Since October 1, 2024, a Florida seller of residential property must give the buyer a flood disclosure at or before contract, covering whether the seller knows of flood damage during ownership, has filed a flood claim, or has received federal flood assistance (Fla. Stat. 689.302). An Estuary of Marco seller completes it for the unit.

Milestone Inspection and SIRS at the Estuary of Marco: Do Low-Rise 1985 Buildings Owe Them?

Florida’s milestone structural inspection and structural integrity reserve study (SIRS) laws apply to condominium buildings three habitable stories or more in height. The City of Marco Island’s building records put the Estuary I buildings at two floors and the Estuary II buildings at one, and the City’s permit system holds no milestone case for either condominium, so on the public record neither law applies; a buyer still asks the associations for their written position.

What the record says about building height

The City of Marco Island’s building layer gives the Estuary I footprints two floors and 20 feet and the Estuary II footprints one floor and 10 feet, and a search of the City’s permit system on both condominium header parcels returned no Phase 1 or Phase 2 milestone case on 2026-10-22 (City of Marco Island GIS; City of Marco Island permit portal). The MLS agrees: 36 of the 37 closings in the last 60 months, and both active listings, label the buildings “Low Rise (1-3),” and the 37th was entered as a townhouse. In the six Estuary I buildings, every MLS unit number begins with a building number and then 1 or 2 (units 101 to 104 and 201 to 204), the pattern of two floors of four units. Estuary II units each carry their own street number. The statutes measure stories as the Florida Building Code determines them, so the associations’ engineers, not a map layer, give the final answer.

The milestone inspection rule

Florida Statute 553.899 requires a milestone inspection of every condominium building three habitable stories or more in height, by December 31 of the year it turns 30 and every 10 years after; buildings that reached 30 before July 1, 2022 had until December 31, 2024. A phase one visual inspection comes first; phase two testing follows only if substantial structural deterioration is found (Fla. Stat. 553.899). If any Estuary of Marco building is three habitable stories, the 1985 and 1986 buildings would have turned 30 in 2015 and 2016 and owed their first inspection before December 31, 2024.

The structural integrity reserve study

A residential condominium association must have a SIRS at least every 10 years for each building three habitable stories or higher, covering the roof, structure, fireproofing, plumbing, electrical, waterproofing and painting, windows and exterior doors, and other items over $25,000; existing associations owed the first study by December 31, 2025 (Fla. Stat. 718.112). The Division publishes SIRS submissions (DBPR SIRS reporting).

Reserves still apply to every Florida condominium

Even where SIRS does not apply, Florida law requires every condominium budget to include reserve accounts for roof replacement, building painting and pavement resurfacing, plus any other item with a deferred maintenance or replacement cost over $25,000, computed from remaining useful life and replacement cost; outside SIRS items, owners may vote to waive or reduce those reserves as the statute allows (Fla. Stat. 718.112). Whether the Estuary of Marco associations fully fund their reserves, or have voted to waive them, is in the budget and the minutes. The jump in the Estuary I fee entered by listing agents from 2022 to 2024 is consistent with an association moving toward fuller reserve funding and higher insurance costs, but the budget, not the listing entry, is the document that shows why.

What to ask the association before you buy at the Estuary of Marco

Ask for the current budget and reserve schedule, any vote to waive or reduce reserves, any SIRS or milestone report or the association’s written position that none is required because the buildings are under three habitable stories, any special assessment adopted or proposed, the master insurance policy and its deductibles, and the last two years of board minutes. Florida law gives a resale buyer the right to the budget, financial statement and reserve study status before the sale is binding (Fla. Stat. 718.503).

Which Schools Serve the Estuary of Marco?

The Estuary of Marco is served by Collier County Public Schools. Marco Island Academy, the island’s public charter high school, is the next address east on San Marco Road; Tommie Barfield Elementary is the island’s district elementary; Marco Island Charter Middle is the island’s middle school option; and the district’s attendance maps place the island in the Manatee Middle and Lely High zones.

Schools on Marco Island

SchoolAddressTypeFlorida grade, 2025-26Distance by road
Marco Island Academy2255 San Marco Rd, Marco IslandCharter highAabout 0.1 mile
Tommie Barfield Elementary101 Kirkwood St, Marco IslandDistrictAabout 2.4 miles
Marco Island Charter Middle1401 Trinidad Ave, Marco IslandCharterAabout 2.5 miles

Addresses are from the Florida Department of Education school directory (FLDOE Collier directory); grades are from the Collier County Public Schools 2026 accountability brief (CCPS 2025-26 grades); distances are estimates from 2121 San Marco Road on the public OSRM router.

Zoned schools for an Estuary of Marco address

The district’s 2026-27 attendance boundary maps place Marco Island in the Manatee Middle School and Lely High School zones (CCPS attendance boundaries). That is a map reading at county scale; confirm the zone for a specific Estuary of Marco address with the district’s interactive zoning tool (CCPS zoning tool). The two charter schools enroll by application, not by zone, so living next door to Marco Island Academy does not by itself secure a seat.

Permits, Zoning and City Rules That Touch the Estuary of Marco

The Estuary of Marco is inside the City of Marco Island, so building permits, flood rules, noise limits and code enforcement come from the City, not from Collier County. The City adopted its current flood damage prevention rules alongside the FEMA map effective 2024-02-08.

Building permits and the 50 percent rule

A renovation that needs a permit goes through City of Marco Island Building Services. Under the City’s flood code a project costing 50 percent or more of the building’s market value within 12 months is a substantial improvement that must meet current flood elevation rules, which for a 1980s ground-floor unit in zone AE can change what is buildable (Marco Island Code of Ordinances). In a condominium the test is applied to the building, so one owner’s project is read with the building’s other work.

Wetlands, wildlife and the water

Where the wetland mapped next to the Estuary of Marco is mangrove, state law protects it: a person may not alter or trim mangroves in the landward extent of wetlands without a permit or a qualifying exemption under Florida’s Mangrove Trimming and Preservation Act (Fla. Stat. 403.9328). The waters of the Marco Island area carry state manatee speed zones (Florida Administrative Code 68C-22.023, Collier County zones).

Fertilizer, noise and burrowing owls

The City bans fertilizer from June 1 to September 30 and within 10 feet of water, limits construction to 7:00 a.m. to 7:00 p.m. outside Sundays and holidays, and protects burrowing owl burrows with a 33-foot no-parking buffer during nesting season from February 15 to July 10 (City of Marco Island, burrowing owl notice).

Association work on the City permit record since 2018

The City’s permit system shows the associations’ recent capital work, with the job values declared on each permit, not contract prices (City of Marco Island permit portal):

  • A window, door and concrete program: six permits applied in November and December 2022, one per Estuary I building (one listing an Estuary II owner contact), to remove and reinstall all sliding glass doors, windows, entry doors and frames with concrete repairs, each declared at $205,820 and all finaled between 2025-01-27 and 2025-04-11. If each value is separate, the program totals about $1.23 million declared. The applications came seven to twelve weeks after Hurricane Ian; no permit names the storm.
  • Shingle reroofs of the Estuary I buildings under 2018 permits finaled in 2019, of Estuary II under 2018 permits finaled from 2018 to 2023, and a reroof at 2121 San Marco Road finaled 2025-10-23 at $29,746.
  • No permit at either condominium names Hurricane Ian, Hurricane Milton or storm damage.

Ask the association how the window and door program was paid for, and whether a special assessment funded it.

The 2026 bridge and paving bond

Marco Island voters approved a $23 million general obligation bond on 2026-08-18 by 2,259 votes to 2,258, certified on 2026-08-26, to replace the Caxambas and Goldenrod bridges, repair three others and repave streets, with repayment over up to 20 years (WGCU, 2026-08-26). Any debt-service millage will appear on future tax bills; the rate was not set as of 2026-10-07.

Daily Logistics at the Estuary of Marco: Beaches, Groceries, Healthcare and Travel

Daily life at the Estuary of Marco runs west along San Marco Road to Collier Boulevard: the island’s supermarkets are about 4 miles away, its urgent care about 2.5 miles, and its Gulf beaches about 4.5 to 5 miles. There is no hospital emergency department on Marco Island. All distances below are estimates from 2121 San Marco Road on the public OSRM router at free-flow speed.

Beaches near the Estuary of Marco

The Estuary of Marco is on the island’s east side, so beach days start with a drive. South Marco Beach, off South Collier Boulevard, is about 4.5 miles (about 12 minutes), and Tigertail Beach, a Collier County park with restrooms and rentals, about 5.0 miles (about 12 minutes); the City lists a $10 daily parking fee at Tigertail for non-permit holders, and the County lists $8 (City of Marco Island beach access; Collier County Marco Island beaches). Collier County residents can get a free county beach parking sticker. The private Residents’ Beach run by the Marco Island Civic Association admits owners of improved island property and renters of a year or more, not short-term renters (Marco Island Civic Association).

Groceries, shopping and dining

The nearest supermarkets are on North Collier Boulevard: Publix at Marco Town Center, 1089 North Collier Boulevard, about 4.0 miles (8 minutes) and open 7:00 a.m. to 9:00 p.m. (Publix store 622), and Winn-Dixie at 625 North Collier Boulevard, about 4.4 miles (10 minutes) and open 7:00 a.m. to 11:00 p.m. (Winn-Dixie Marco Island). East along San Marco Road, the Stan Gober Memorial Bridge leads to Goodland, a fishing village outside the city limits, about 1.7 miles away.

Healthcare and emergency care

NCH runs an urgent care center at 40 South Heathwood Drive on the island, about 2.5 miles away and open 8:00 a.m. to 7:30 p.m. daily, with CT and X-ray (NCH Marco Island urgent care), and its directory lists no emergency department on Marco Island (NCH locations, Marco Island). The nearest hospital emergency department is Physicians Regional Medical Center on Collier Boulevard in Naples (Physicians Regional hospitals), an estimated 10.6 miles and 18 minutes from the Marco Island end of the Jolley Bridge at free-flow speed.

Airports and drive times

The Judge S.S. Jolley Bridge on Collier Boulevard, the island’s main link to the mainland, is on the far side of the island from the Estuary of Marco, roughly 4.5 to 5 miles by road. From the Marco Island end of the Jolley Bridge, estimated free-flow drive times on the public OSRM router are: Southwest Florida International Airport (RSW) about 47 miles and 63 minutes; Fifth Avenue South in Naples about 16 miles and 27 minutes; and Marco Island Executive Airport, a 5,000-foot general aviation field just north of the island with no scheduled airline service, about 4.5 miles (Collier County, Marco Island Executive Airport). Peak-season times run longer. Collier Area Transit runs a Marco Island circulator (Collier Area Transit routes).

Estuary of Marco vs Stevens Landing: Which East-Side 1980s Condo Fits You?

The Estuary of Marco and Stevens Landing are the two 1980s condominiums of about 75 units on the island’s east end, half a mile apart by road, and they price very differently: over the 36 months to 2026-10-07 the Estuary of Marco’s median MLS sale was $260,000 against Stevens Landing’s $372,500. The Estuary of Marco is the lower-priced, low-rise choice; Stevens Landing is a mid-rise of three buildings that sells for more per square foot.

Data updated: October 2026. Both condominiums, 36 months to 2026-10-07 (the first window holding ten or more sales for both), Southwest Florida MLS; county roll data dated 2026-08-29.

Benchmark: Estuary of Marco and Stevens Landing side by side

YardstickEstuary of MarcoStevens Landing
Units (county roll)75 in two condominiums (48 and 27)72 in two condominiums (24 and 48)
Year built (county roll)1985 to 19901986 to 1988
Heated sq ft (county roll)914 to 1,291, median 991950 to 1,100, median 950
Building type on the MLSLow Rise (1-3), two-floor unit numberingMid Rise (4-7), unit numbers to the fourth floor
Building addressesOne street number per unit, 2067 to 2235 San Marco RoadThree buildings at 100, 200 and 300 Stevens Landing Drive
Closed sales, 36 months1714
Median sale, 36 months$260,000$372,500
Median $/sq ft, 36 monthsabout $261about $354
Median days on market, 36 months62114
Median sale to final list, 36 months91.9 percent94.9 percent
Closed sales and median, 24 months11, $247,0008, $327,500
Listings on 2026-10-072 active ($249,000 and $249,985)2 active ($419,000 and $490,000) and 1 pending with contingency (listed at $279,000)
Annual condo fee as entered on current listings$11,532 and $11,756$11,100 on all three
FEMA zone and ground at tested pointsAE 10 (Estuary I), AE or X (Estuary II); ground 6.9 to 8.8 ftAE 10; ground 4.7 to 5.1 ft
County qualified sales, 36 months to 2026-08-2416, median $272,50014, median $390,000

Fees are as entered by listing agents, not association budgets. Stevens Landing’s figures come from the same MLS pull and county files as the Estuary of Marco’s; its association of record is Stevens’ Landing Condominium Association, Inc., Sunbiz document N16601, Active, filed 1986-09-02 (Florida Division of Corporations). See our forthcoming Stevens Landing guide for its full record.

Decision table: Estuary of Marco or Stevens Landing?

If you wantLean towardWhy, from the record
The lowest entry price on the east endEstuary of Marco36-month median $260,000 versus $372,500
A three-bedroom unitEstuary of Marco1,289 sq ft three-bedroom plans in Estuary I and 1,273 sq ft plans in Estuary II; Stevens Landing tops out at 1,100 sq ft on the roll
Higher ground at the buildingEstuary of MarcoGround 6.9 to 8.8 ft NAVD88 at the points tested versus 4.7 to 5.1 ft, under the same 10-ft base flood elevation
A building outside the three-story milestone and SIRS lawsEstuary of MarcoOne- and two-floor buildings in the City’s records and no City milestone case; the City accepted Phase 1 milestone reports for all three Stevens Landing buildings on 2025-11-06
Elevator-served mid-rise livingStevens LandingMid Rise (4-7) on the MLS
Prices that have held up betterStevens Landing36-month median $354 per sq ft versus $261
Lower condo feeAbout even$11,100 versus $11,532 to $11,756 as entered

The San Marco Road neighbours: Vintage Bay and San Marco Villas

Two more condominiums give a buyer on this side of the island a wider choice. Vintage Bay, the gated 132-unit condominium of four mid-rise buildings on Barfield Bay at the end of Vintage Bay Drive, is about a quarter mile east by road and a different product: units of 1,637 to 2,738 heated square feet built from 1997 to 2006 (county roll). San Marco Villas, 148 townhouse-style units built in 1985 off San Marco Road closer to the island’s centre, is the nearest large villa community (county roll and DBPR). The table below compares the four on one yardstick: the median sale and median price per square foot in each condominium’s first window with ten or more MLS closings to 2026-10-07.

CondominiumWindowClosingsMedian saleMedian $/sq ftHeated sq ft (roll)Year built (roll)
Estuary of Marco24 months11$247,000about $256914 to 1,2911985 to 1990
San Marco Villas12 months13$320,000about $3021,006 to 1,1121985
Stevens Landing36 months14$372,500about $354950 to 1,1001986 to 1988
Vintage Bay12 months10$583,750about $3151,637 to 2,7381997 to 2006

Source: Southwest Florida MLS, pulled 2026-10-07; Collier County roll data dated 2026-08-29. On this yardstick the Estuary of Marco is the lowest-priced of the four in total and per square foot. A buyer who wants the most space leans to Vintage Bay, one who wants a townhouse-style villa leans to San Marco Villas, and one who wants the lowest entry price on the island’s east side leans to the Estuary of Marco. The whole island is mapped in our Marco Island guide, the rest of the county in our Collier County guide, and our Naples versus Marco Island comparison covers the mainland alternative.

Selling at the Estuary of Marco? Work with Top 1% Real Estate Agents Nationally Since 2008 and get a free valuation at mcgreevyandcomisar.com/home-valuation or call Jesse direct at (239) 898-6072. Buying on San Marco Road? Call Marc at (239) 287-5873 or book a buyer consultation.

Honest Pros and Cons of the Estuary of Marco

The Estuary of Marco’s strengths are price, three-bedroom plans at an entry price, higher ground than much of the island’s bayside, low-rise buildings and a quiet east-end setting; its weaknesses are a falling price trend, a condo fee that has risen sharply, unpublished rules and amenities, and a flood zone AE site a drive from the beaches.

What the record supports in favour of the Estuary of Marco

  • One of the lowest condominium price points on Marco Island: a $247,000 median in the 24 months to 2026-10-07.
  • Three-bedroom units of 1,273 to 1,289 heated square feet, scarce at this price on the island.
  • Ground at 6.9 to 8.8 feet NAVD88 at the points tested, higher than the 4.7 to 5.1 feet at Stevens Landing half a mile east.
  • One- and two-floor buildings in the City’s records, outside Florida’s milestone inspection and SIRS laws, with no City milestone case on either condominium.
  • A charter high school next door, the City’s Racquet Center on the same road and the San Marco Road shared use path at the door.

What the record supports against the Estuary of Marco, stated plainly

  • A falling price trend: from a $330,000 median in 2024 to $190,000 on three sales so far in 2026, and a 24-month median sale to final list of 88.2 percent.
  • An Estuary I condo fee entered at $11,532 to $11,756 a year, about 4.7 percent of the 24-month median sale and up by more than half since 2022.
  • No public website, so rules, pets, rentals, amenities and the budget are known only from the resale documents.
  • FEMA flood zone AE with a 10-foot base flood elevation across Estuary I, with the ground 1.4 to 3.1 feet below it at the points tested.
  • Gulf beaches about 4.5 to 5 miles away and supermarkets about 4 miles away by road.
  • Two condominiums, two sets of documents and conflicting state records on who manages the first phase.

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

If you’re searching for an Estuary of Marco listing agent, or thinking, ‘I need someone to sell my Estuary of Marco home…’, McGreevy and Comisar are the team to call. The Estuary of Marco recorded 11 closings in the 24 months to 2026-10-07 at a median of $247,000, and the median one closed at 88.2 percent of its final asking price, which makes the opening price the most important decision a seller here makes.

Listing-agent credentials

  • 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

Estuary of Marco sold-listing stats, 24 months to 2026-10-07

In the last 24 months we tracked 11 Estuary of Marco resales on the Southwest Florida MLS: $3,011,000 in total volume, a median sale of $247,000, a median of 31 days on market, and a median sale-to-final-list ratio of 88.2 percent. None of the 11 was entered after closing. In the last 12 months we tracked four Estuary of Marco closings, at a median of $212,000.

What makes selling at the Estuary of Marco different

Selling here is a documents exercise as much as a pricing one. Because neither association publishes its rules or budget, every buyer’s first questions are about the fee, the reserves, any special assessment, rentals and pets, so the seller who orders the resale package and the estoppel early, and can answer those questions at the first showing, takes away the buyer’s main reason to discount. Three Estuary of Marco specifics shape a sale: the two phases price in different bands, so a valuation has to come from the right phase; the Estuary I fee is a high share of price, so the listing has to explain what it buys; and the low-rise question matters, because a buyer who learns the building is outside the milestone and SIRS laws has one less risk to price in.

What Is Your Estuary of Marco Home Worth? Get a Free Valuation in 60 Seconds.

Start with our free online valuation at mcgreevyandcomisar.com/home-valuation, and we will build your number from the Estuary of Marco sales of your phase and floor plan, not the community median. Or talk to Jesse direct: (239) 898-6072, text or call. Buyers can reach Marc at (239) 287-5873 or book a buyer consultation.

How long does it take to sell an Estuary of Marco condo?

The median Estuary of Marco sale in the 24 months to 2026-10-07 took 31 days on the market, with a range from 2 days to 165 days (Southwest Florida MLS). The three slowest, at 152 to 165 days, were Estuary I units that sold at 80 to 94 percent of their final ask.

Do Estuary of Marco sellers get their asking price?

Rarely. The median Estuary of Marco sale closed at 88.2 percent of its final list price in the 24 months to 2026-10-07, and only one of 11 sold at its final ask (Southwest Florida MLS).

Who pays for the owner’s title policy when I sell my Estuary of Marco condo?

In Collier County the buyer customarily pays for the owner’s title insurance policy and chooses the closing agent, and the seller customarily pays the documentary stamp tax on the deed; the signed contract controls on every sale.

What documents will an Estuary of Marco buyer ask me for?

Florida law requires the seller to provide the declaration, articles, bylaws and rules, the annual budget and financial statement, the frequently asked questions document, the milestone inspection summary if applicable, and the latest structural integrity reserve study or a statement that none exists (Fla. Stat. 718.503).

Should I renovate my Estuary of Marco unit before selling?

Only selectively. In the last 24 months, 1,289 square foot units sold from $170,000 to $330,000, which shows buyers pay for condition, but alterations touching the common elements need the association’s consent and most need a City permit.

Does my phase change what my unit is worth?

Yes. Over 60 months, Estuary II units sold at a median of $390,000 and Estuary I units at $262,500 (Southwest Florida MLS), so a price built from the other phase’s sales would miss by a wide margin.

What Our Clients Say About McGreevy and Comisar

Jesse McGreevy and Marc Comisar are top-reviewed Marco Island realtors. Every quote below is a genuine five-star Google review, quoted exactly as clients wrote it on our Google Business Profile. Read the five-star reviews on Google.

★★★★★ “Working with Jesse and his team was truly an amazing experience. From the very beginning, they were professional, attentive, and incredibly knowledgeable. They guided us through every step of the process with patience and clarity, always making sure we felt comfortable and informed with every decision.” Verified Google review

★★★★★ “He met us within 20 minutes to see it and we loved it. We worked with him on the offer and the transaction was seamless!” Verified Google review

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

Your Local Real Estate Experts for the Estuary of Marco

Jesse McGreevy and Marc Comisar are McGreevy and Comisar, and they lead Domain Realty Group, the #1 real estate team in Southwest Florida since 2012 and the #5 real estate team in Florida (RealTrends 2026). They have been Top 1% Real Estate Agents Nationally Since 2008 and have sold over $900 million in personal production between them. Jesse and Marc bring over 45 years of combined direct real estate experience to every Estuary of Marco sale.

Honors and recognition, McGreevy and Comisar

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

McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more about our team at DomainRealtyGroup.com, and more about how we work on the McGreevy and Comisar about page. Follow us on Facebook, Instagram and YouTube.

Contact McGreevy and Comisar about the Estuary of Marco

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

Selling an Estuary of Marco condo? Free valuation at mcgreevyandcomisar.com/home-valuation, or call Jesse at (239) 898-6072. Buying at the Estuary of Marco? Call Marc at (239) 287-5873 or start a buyer consultation with our team.

Frequently Asked Questions, Buyer Edition: the Estuary of Marco on Marco Island

These answers draw on the sections above, where each figure carries its window and source.

What is the Estuary of Marco on Marco Island?

The Estuary of Marco is 75 low-rise condominium homes on San Marco Road on the east side of Marco Island, in two recorded condominiums: 48 units in six Estuary I buildings completed in 1985 and 1986, and 27 Estuary II units completed from 1988 to 1990.

How much do Estuary of Marco condos cost?

In the 24 months to 2026-10-07, 11 units closed on the Southwest Florida MLS at a median of $247,000, from $170,000 to $450,000. Only four closed in the last 12 months, at a median of $212,000, all of them in Estuary I.

Why do Estuary II units sell for more than Estuary I?

They are larger on average and each has its own street number. Over the 60 months to 2026-10-07, nine Estuary II sales had a median of $390,000 and 28 Estuary I sales $262,500 (Southwest Florida MLS), so price a unit from sales in its own phase.

What are the HOA fees at the Estuary of Marco?

Listing agents entered annual condo fees of $11,532 to $11,756 on both Estuary I listings on 2026-10-07 and on every Estuary I closing since August 2024; Estuary II entries were $8,388 and $9,228 on its two 2025 sales. These are figures as entered by listing agents, not the associations’ budgets.

How big are Estuary of Marco units?

From 914 to 1,291 heated square feet on the Collier County roll, with a median of 991. Estuary I units are 914, 948 or 1,289 square feet; Estuary II units run from 991 to 1,273 square feet.

Are there three-bedroom units at the Estuary of Marco?

Yes. The 1,289 square foot Estuary I plan and the 1,273 square foot Estuary II plan are three-bedroom homes on the MLS, scarce at this price on the island.

How many Estuary of Marco condos are for sale?

Two on 2026-10-07, both 948 square foot two-bedroom Estuary I units, asking $249,000 and $249,985, with none pending (Southwest Florida MLS).

Is the Estuary of Marco on the water?

No public record we read shows docks, slips or direct navigable access. The federal water maps show mapped swamp and marsh wetland within about 50 meters of the buildings and Barfield Bay within about half a kilometer.

Can you rent an Estuary of Marco condo?

The rental rules are set by each phase’s Declaration and rules, which are not published on any public website we found, so confirm the minimum term and any approval step in the resale documents. The City of Marco Island runs no rental registration program: it nullified its program in October 2023 after the SB 250 state law change, and nothing has replaced it.

Are pets allowed at the Estuary of Marco?

Not confirmed. Each phase’s Declaration and rules set the pet policy, and neither is public, so a buyer with a pet confirms the rule before signing.

What flood zone is the Estuary of Marco in?

FEMA zone AE with a base flood elevation of 10 feet NAVD88 at every Estuary I address tested, and a mix of zone AE and zone X across Estuary II, on FIRM panel 12021C0841J effective 2024-02-08. The ground at the tested points is about 6.9 to 8.8 feet NAVD88.

Does Marco Island get a flood insurance discount?

Yes. FEMA’s list of Community Rating System communities effective October 1, 2026 shows the City of Marco Island at Class 5, a 25 percent premium discount for NFIP policies in the Special Flood Hazard Area.

Do the milestone inspection and SIRS laws apply to the Estuary of Marco?

On the public record, no. Both laws apply to buildings three habitable stories or higher; the City’s building records show two-floor Estuary I and one-floor Estuary II buildings, and the City holds no milestone case for either condominium. Every Florida condominium budget must still carry reserves for roofs, painting and paving unless owners vote to waive or reduce them.

Who manages the Estuary of Marco?

The state records disagree: the DBPR register lists Sandcastle Community Management as the care-of address for the Estuary I managing entity, while the Sunbiz record names Resort Management Group as registered agent, and Estuary II lists a Marco Island post office box. Ask the listing agent which company issues estoppel certificates today.

Who pays for the owner’s title policy when I buy at the Estuary of Marco?

In Collier County the buyer customarily pays for the owner’s title insurance policy and chooses the closing agent. The signed contract controls on every sale.

What documents do I get before my Estuary of Marco purchase is binding?

The declaration, articles, bylaws and rules, the annual budget and financial statement, the frequently asked questions document, the milestone summary if applicable, and the latest structural integrity reserve study or a statement that none exists, at the seller’s expense. The buyer can cancel within 7 days, excluding weekends and legal holidays, after receiving them.

Which schools serve the Estuary of Marco?

Marco Island Academy, the island’s charter high school rated A for 2025-26, is the next address east. Tommie Barfield Elementary is about 2.4 miles by road, and the district’s attendance maps place the island in the Manatee Middle and Lely High zones; the charter schools enroll by application.

How far is the Estuary of Marco from the beach and groceries?

South Marco Beach is about 4.5 miles and Tigertail Beach about 5.0 miles by road; Publix at Marco Town Center is about 4.0 miles and Winn-Dixie about 4.4 miles; NCH urgent care is about 2.5 miles. The island has no hospital emergency department.

Is the Estuary of Marco or Stevens Landing the better buy?

For price and space, the record favours the Estuary of Marco: its 36-month median was $260,000 against $372,500 at Stevens Landing, with three-bedroom plans Stevens Landing does not have. Stevens Landing offers mid-rise buildings and has held its price per square foot better.

Has the Estuary of Marco had hurricane damage?

No permit at either condominium names a storm. The closest signal is a window, door and concrete program across the Estuary I buildings, applied for seven to twelve weeks after Hurricane Ian and finaled in 2025; ask the association what prompted it and how it was paid for.

Frequently Asked Questions, Seller Edition: Selling an Estuary of Marco Condo

How do I find the best realtor to sell my Estuary of Marco condo?

Look for an agent who prices from your own phase and floor plan, orders the resale documents early because neither association publishes them, and can show a record. McGreevy and Comisar have been Top 1% Real Estate Agents Nationally Since 2008, and the comparison of Marco Island agents linked at the top of this guide sets out how local agents compare.

What is my Estuary of Marco condo worth?

Start from the newest sales in your phase and plan. The four sales of the last 12 months had a median of $212,000, and the two current asking prices are $249,000 and $249,985. A free valuation places your unit against those sales.

How many Estuary of Marco condos sold in the last year?

Four closed on the Southwest Florida MLS in the 12 months to 2026-10-07, at $248,000, $190,000, $170,000 and $234,000.

How many sold in the last two years?

Eleven, for $3,011,000 in total volume, at a median of $247,000 (24 months to 2026-10-07). None was entered after closing.

What was the highest Estuary of Marco sale in five years?

$450,000, for the Estuary II home at 2093 San Marco Road in February 2025, nine days after listing (Southwest Florida MLS, 60 months to 2026-10-07).

How much do Estuary of Marco sellers get compared with the asking price?

The median sale in the 24 months to 2026-10-07 closed at 88.2 percent of its final list price, and only one of 11 sold at its final ask. The opening price matters more here than almost anywhere on the island.

How long does it take to sell an Estuary of Marco unit?

The median in the 24 months to 2026-10-07 was 31 days on the market, from 2 to 165 days. The slowest sales were the ones priced furthest above the newest comparable sales.

Have Estuary of Marco prices fallen?

Yes. The MLS median was $330,000 in 2024, $247,500 in 2025 and $190,000 on three sales so far in 2026, and the repeat sales show it unit by unit: pairs that resold in 2025 lost ground on their 2022 prices.

Should I price my unit off the Estuary of Marco median?

No. The median mixes two phases and three plans. A 948 square foot Estuary I unit, a 1,289 square foot three-bedroom and an Estuary II home trade in different bands, so price from your own phase and plan.

Do three-bedroom units sell for more?

Yes. Over 60 months, the six 1,289 square foot three-bedroom Estuary I sales had a median of $322,500 against $259,500 for the 22 two-bedroom Estuary I sales, about $63,000 more (Southwest Florida MLS).

What is the price per square foot at the Estuary of Marco?

About $256 per square foot on the median of the 11 sales in the 24 months to 2026-10-07, the lowest of the San Marco Road condominiums we compare.

How much competition will my listing face?

Two other units were for sale on 2026-10-07, against 11 sales in 24 months, about 4.4 months of supply; against the last 12 months’ four sales it is about 6.0 months.

Will the condo fee hurt my sale?

It is the first number buyers ask about. At $11,532 a year the Estuary I fee is about 4.7 percent of the 24-month median sale, a high ratio for the island, so state the current fee in the listing and have the budget ready to show what it covers.

Do I need the association’s approval to sell?

That depends on the Declaration. Listing agents entered a $150 application fee on most Estuary I listings and $175 on two Estuary II listings, which points to an application step; ask the manager for the packet and its timeline when you list.

Who pays the Estuary of Marco application fee?

Usually the applicant. Florida law allows the fee only when the association must approve the transfer and its documents provide for it, and caps it at $150 per applicant, adjusted for inflation.

How much are seller closing costs at the Estuary of Marco?

The seller customarily pays the documentary stamp tax on the deed at 70 cents per $100, so a $247,000 sale carries $1,729 in deed stamps, plus the commission, the estoppel fee and prorated assessments. The contract sets who pays what.

Do I pay for the owner’s title policy as the seller?

Not by Collier County custom: the buyer customarily pays for the owner’s title insurance policy and chooses the closing agent. The signed contract controls.

How much is the estoppel certificate?

Florida caps the estoppel fee at $250 when nothing is delinquent, plus $100 for delivery within three business days and up to $150 more when an account is delinquent. The association has 10 business days to issue it.

What documents must I give an Estuary of Marco buyer?

The declaration, articles, bylaws and rules, the annual budget and financial statement, the frequently asked questions document, the milestone summary if applicable, and the latest structural integrity reserve study or a statement that none exists. Because neither association publishes them, order them when you list.

Do I need a flood disclosure to sell?

Yes. Since October 1, 2024 a Florida seller of residential property must give the buyer a flood disclosure at or before contract, including known flood damage, flood claims and federal flood assistance during ownership.

Does the flood zone affect my sale?

Buyers will ask. Estuary I sits in zone AE with a 10-foot base flood elevation and ground 1.4 to 3.1 feet below it at the points tested, so the building’s Elevation Certificate drives a buyer’s flood quote. Estuary II homes in zone X can be a selling point; confirm your own address on the FEMA map.

Will the milestone inspection law affect my sale?

Less than at the island’s towers. The City’s records show one- and two-floor buildings and no milestone case, so a lender’s review centres on the budget, reserves, insurance and any special assessment.

Is there a special assessment I must disclose?

Disclose any assessment adopted or proposed. The listing record shows annual fee entries of $15,084, $27,716 and $27,732 in 2023 and 2024 far above the entries around them, which may reflect an assessment or entry errors; the association’s records and the estoppel answer it.

Should I renovate before selling?

Only selectively. In the last 24 months, 1,289 square foot units sold from $170,000 to $330,000, so buyers pay for condition, but alterations touching the common elements need the association’s consent and most need a City permit.

Can I sell my Estuary of Marco condo with a tenant in place?

Yes, subject to the lease and the leasing rules in the Declaration. Provide the lease, rent and end date early so a buyer can plan.

Can I sell my Estuary of Marco condo furnished?

Yes. Furniture is personal property, so list what conveys in the contract or a bill of sale; an appraiser values the real estate only.

What should I prepare before listing?

The resale document package, the estoppel request, the current fee and budget, any Elevation Certificate for your building, and a list of the repairs you have made, so the first showing answers the questions buyers here always ask.

Who buys at the Estuary of Marco?

In our reading of the sales, first-time Marco Island owners who want the island for the lowest entry price, second-home owners who want a lock-and-leave unit, and families who value a high school next door.

Does it matter which phase my unit is in?

Yes. Estuary II sold at a median of $390,000 over 60 months and Estuary I at $262,500, and the two phases carry different fees and documents, so the phase sets both the price and the paperwork.

How do I get started selling my Estuary of Marco condo?

Get a free valuation or call Jesse direct at (239) 898-6072. Buyers can call Marc at (239) 287-5873 or book a buyer consultation.

What We Could Not Verify About the Estuary of Marco

Some Estuary of Marco facts sit only in association records or in documents we did not retrieve for this guide. We list them so you know what to ask for.

Held by the associations

  • Current budgets, reserve schedules and any vote to waive or reduce reserves, for each phase.
  • Any special assessment adopted or proposed, including whether one funded the 2022 to 2025 window and door program.
  • Leasing, pet, guest, parking and renovation rules for each phase.
  • The master insurance policies, deductibles and premiums.
  • Which management company issues estoppel certificates and resale documents today.

In the public record but not read for this guide

  • The recorded Declarations of Condominium for both phases in the Collier County Official Records.
  • The corporate entity governing Estuary II, which a name search on the state register did not find.
  • Each building’s Elevation Certificate.

Not resolved

  • Whether the $15,084, $27,716 and $27,732 annual fee entries of 2023 and 2024 include a special assessment or are entry errors.

Downloadable Documents

These primary documents can be read or downloaded directly from their publishers.

Sources and Authoritative References

Every source below was cited in this guide and was read between 2026-10-07 and 2026-10-28. Market figures come from the Southwest Florida MLS, pulled 2026-10-07, re-derived for this guide by street address, and from the Collier County roll and qualified recorded sales data files dated 2026-08-29. Listing-entered fees are as entered by listing agents, not association budgets.

Federal agencies

  1. Census geocoder
  2. U.S. Census QuickFacts, Marco Island city
  3. USGS National Map hydrography service
  4. HUD, assistance animals
  5. FEMA National Flood Hazard Layer service
  6. FEMA Flood Map Service Center
  7. USGS 3D Elevation Program
  8. USFWS CBRS mapper
  9. NHC Tropical Cyclone Report, Irma
  10. NHC Tropical Cyclone Report, Ian
  11. NWS Miami, Hurricane Ian summary
  12. NHC report, Helene
  13. NHC report, Milton
  14. FEMA FloodSmart, premium costs
  15. FEMA FloodSmart, flood zones
  16. FEMA CRS eligible communities, October 2026

State of Florida

  1. Florida Department of Education school directory
  2. DBPR Condo_CW extract
  3. Florida Division of Corporations
  4. DBPR public records
  5. Fla. Stat. 718.503
  6. Fla. Stat. 718.116
  7. Florida Department of Revenue, Table 1, Collier 2025-26
  8. Fla. Stat. 196.031
  9. Fla. Stat. 193.155
  10. Fla. Stat. 193.1554
  11. Fla. Stat. 718.112
  12. Fla. Stat. 201.02
  13. Fla. Stat. 201.08
  14. Fla. Stat. 199.133
  15. Fla. Stat. 718.111
  16. Fla. Stat. 509.032
  17. Fla. Stat. 718.110
  18. Collier County Emergency Management
  19. Fla. Stat. 627.351
  20. Fla. Stat. 627.0629
  21. Fla. Stat. 627.711
  22. Rule 69O-170.0155
  23. Fla. Stat. 689.302
  24. Fla. Stat. 553.899
  25. DBPR SIRS reporting
  26. Fla. Stat. 403.9328
  27. Collier County Marco Island beaches

Collier County, the City of Marco Island and local public bodies

  1. Collier County Clerk records search
  2. City of Marco Island GIS
  3. City of Marco Island parks index
  4. Marco Island Racquet Center
  5. City of Marco Island FY2026 adopted budget
  6. Marco Island Code of Ordinances, Municode
  7. City of Marco Island Resolution 23-54
  8. Collier County Tax Collector, tourist development tax
  9. City of Marco Island floodplain documents
  10. City of Marco Island permit portal
  11. CCPS 2025-26 grades
  12. CCPS attendance boundaries
  13. CCPS zoning tool
  14. City of Marco Island, burrowing owl notice
  15. City of Marco Island beach access
  16. Collier County, Marco Island Executive Airport
  17. Collier Area Transit routes

Associations, utilities, health care, retail and other organizations

  1. Vintage Bay Condominium Association
  2. Marco Island Civic Association
  3. Winn-Dixie Marco Island
  4. NCH Marco Island urgent care
  5. NCH locations, Marco Island
  6. Physicians Regional hospitals

Law and title references

  1. Goodwin Law
  2. Barnes Walker
  3. Florida Administrative Code 68C-22.023, Collier County zones

Press

  1. Coastal Breeze News, December 2021
  2. NBC2, 2024-10-11
  3. WGCU, 2026-08-26

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


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