Palm Bay Estates

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

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

Palm Bay Estates Condominium at Bonita Beach: 8 Bay-Side Townhomes at 26773 Hickory Blvd

Palm Bay Estates is an eight-home, bay-side condominium of four one-story duplex buildings at 26773 Hickory Blvd inside Bonita Beach in Bonita Springs, Florida, built in 1985 according to Lee County’s property roll. FEMA maps the homes in Zone AE with a base flood elevation of 11 feet.

The full legal name is Palm Bay Estates Condominium Association, Inc., but the county, the state and the people who live there say Palm Bay Estates, so this page does too. It is a different product from the towers around it. Most of the Hickory Blvd strip is mid-rise and high-rise concrete, with 40 to 360 homes under one roof or one gate. Palm Bay Estates is eight homes in two phases, sharing a small common-element parcel on the bay side of the road, and the county’s building layer describes each of its four buildings as a one-story condominium town house with two units.

McGreevy and Comisar list and sell homes here, and this page is the audit we hand to a seller or a buyer before either one decides. We wrote it the way we would brief a client we were representing. Every fact carries a source, every conflict between two public records is printed with both sides, and every figure that comes from the Southwest Florida MLS, which we could not pull on the publication date, is marked as unavailable instead of estimated.

Where Palm Bay Estates is, precisely

Palm Bay Estates sits on the east, or bay, side of Hickory Blvd on Little Hickory Island, the barrier island that carries Bonita Beach. The eight homes share the street address 26773 Hickory Blvd, Bonita Springs, FL 34134, and the association’s common-element parcel is listed at 26771 Hickory Blvd, according to the Lee County Property Appraiser’s roll. The roll’s land-on field says Bay for every parcel, and the county’s land-use description for the eight home parcels reads Bayou Front. On Hickory Blvd the odd street numbers run along the bay side and the even numbers along the Gulf side: in the county roll, 906 of the 909 condominium parcels on Hickory Blvd that carry a land-on entry follow that pattern. It is why the county’s public Gulf beach access at 26786 Hickory Blvd sits almost directly across the road.

The county’s map service places the parcels inside the City of Bonita Springs, with FEMA community number 120680. Measured in a straight line from the county’s beach-access layer to the eight home points, Bonita Beach Access 6 is about 57 to 115 meters away, Access 7 is 317 to 365 meters away and Access 5 is 388 to 437 meters away. Those are our measurements, not walking routes, and the county’s beach lots changed their rules this fall, which we cover under daily logistics. Bay Harbor Club, the two-tower condominium we use as the closest comparison, is about 1,080 to 1,130 meters to the north, and you can read our audit of it on the Bay Harbor Club page.

Palm Bay Estates and the other places that share the name

The bare words Palm Bay belong mostly to somebody else. Search suggestions for them lead to the city of Palm Bay in Brevard County on Florida’s east coast, to its homestead and rental questions, to mobile-home parks and to rental listings, and none of the name-only suggestions we collected pointed to a building on Bonita Beach. Florida’s corporate registry also lists several unrelated entities with Palm Bay Estates in their names. For our purposes the only Palm Bay Estates is the eight-home condominium at 26773 Hickory Blvd, Bonita Springs, Florida 34134, and the only legal entity is the Florida not-for-profit corporation named above, Sunbiz document 761435.

Eight homes or nine parcels? What the records say

The state’s condominium record counts 8 units. The county roll carries 9 parcels under the association’s legal description: eight home parcels, numbered 1 through 8, and one common-element parcel. The ninth parcel is not a home. Four buildings with two homes each also add up to eight. We checked the nine against the county’s own legal wording, and every sale on this page belongs to one of the eight.

Quick reference, Palm Bay Estates

Why McGreevy and Comisar Are the Best Realtor for Palm Bay Estates

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

Recent Palm Bay Estates track record (last 12 months): Information not available at time of publishing (checked 2026-10-01). The Southwest Florida MLS Matrix pull that would give the Palm Bay Estates resale count, our team’s share of those transactions, the highest-priced sale and the sale-to-list ratio was parked on the publication date, and we will not substitute an estimate. What we can state from public records: the newest sale in Lee County’s qualified-sales file for Palm Bay Estates is dated July 22, 2025, so the county record shows no qualified sale in the twelve months before October 1, 2026, and the roll’s latest recorded sale on every home agrees. We tracked every one of the 19 Palm Bay Estates closings in the county record, from February 1986 to July 2025, and the latest recorded sale on each of the 8 homes, for 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 Palm Bay Estates home? Get a free home valuation at mcgreevyandcomisar.com/home-valuation OR call Jesse direct at (239) 898-6072.

Buying a home in Palm Bay Estates? Call Marc at (239) 287-5873 for a personalized buyer consultation, and see how we help buyers on the Gulf coast.

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

Living in Palm Bay Estates as a Homebuyer

A Palm Bay Estates homebuyer gets one of eight bay-side townhomes in four one-story buildings, built in 1985, across Hickory Blvd from a public Gulf beach access. The trade is a thin public record: no association website, no published fee schedule and no posted rules or reserve documents that we could find.

Data updated: October 2026

What the public record says Palm Bay Estates offers

The county roll and the state records describe a small property, not a brochure. Eight homes share one street address, in two phases of four homes each. The homes come in four heated sizes, 1,150, 1,251, 1,415 and 1,444 square feet, so a buyer is choosing a phase, a size and a condition from a very short menu. The county’s sales file lists three bedrooms for every recorded sale. The county’s building layer shows four buildings of two homes each, all one story, which makes the property closer to a row of paired townhouses than to the towers that define most of the strip. We found no association description of amenities, and the amenities section below says what we could and could not establish.

Who Palm Bay Estates suits

Palm Bay Estates suits a buyer who wants a low-rise bay-side home on Little Hickory Island, who values being steps from a county Gulf access without paying for a tower’s amenity package, and who is comfortable reading a small association’s documents before making an offer. It also suits a buyer who likes a quiet footprint: eight homes means few neighbors, a short list of owners to deal with and, in principle, a board that can act quickly. It suits a buyer who is comfortable with the flood map too, because the entire strip is in a mapped flood hazard area and this property’s ground is among the lowest on it.

Who should look harder before buying

Palm Bay Estates does not suit a buyer who needs a published fee schedule, a posted rules document and a visible reserve policy on day one, because we could not find any of them. It does not suit a buyer who needs guaranteed short-term rental rights or a particular pet allowance, because those terms are not public either. And it does not suit anyone who will not look closely at a very small association’s finances: with eight owners, one large repair or one owner who stops paying moves every other owner’s costs, and a lender’s review of the project can turn on that.

The three document requests every Palm Bay Estates buyer should make

Florida gives condominium buyers a statutory right to the association’s governing documents, and the seller pays to produce them. Under Florida Statute 718.503, the seller must give the buyer the declaration, articles, bylaws, rules, the annual financial statement and budget, the milestone inspection summary if one applies, the structural integrity reserve study or a statement that none has been completed, and the frequently asked questions document described in Florida Statute 718.504. For Palm Bay Estates, ask for three things first:

• The current budget and the most recent annual financial statement, so you can see what the assessments fund, what the reserve line holds and how the association’s cash compares with its bills.
• Every special assessment notice since 2022, with the stated purpose and the payment schedule, because Florida Statute 718.116 requires the purpose of a special assessment to be stated in the written notice.
• The association’s insurance summary and the contract statement about milestone inspections and reserve studies. Contracts signed after December 31, 2024 must carry a conspicuous statement saying whether the association is required to have those items and has completed them, or is not required to have them. For a property of one-story buildings, a statement that they are not required is plausible, and the section on milestone inspections explains why.

Buying at Palm Bay Estates? Call Marc at (239) 287-5873, or start with our buyer page and we will request the document set before you make an offer. Choosing an agent for the City of Bonita Springs more broadly? See our guide to the best real estate agents in Bonita Springs.

Palm Bay Estates Market Snapshot: What Have Homes Sold For?

Palm Bay Estates recorded 2 qualified sales in Lee County’s county record in the last 60 months, $640,000 on April 30, 2025 and $525,000 on July 22, 2025. Two is too few for a median, so we list them. These are county records of qualified Department of Revenue sales, not Southwest Florida MLS closings.

Data updated: October 2026

The county recorded-sales record

We widened the window to 12, 24, 36 and 60 months, as our method requires, and none holds the 10 qualified sales that a median needs, so we list every sale of the last 60 months below and state no median as a price signal. The county file holds 19 qualified Palm Bay Estates sales since February 1986, the newest dated July 22, 2025, and its index was built October 1, 2026. A word on what that file is: the county roll keeps each home’s last four sales with exact dates, and the state sale files add every recorded sale from 2009 on. So the record is complete from 2009 and partial before 2009, and the 19 is a count of what the file holds, not a claim that it is every sale since 1986.

The same two sales fill the 24, 36 and 60-month windows. Because the file is partial before 2009, we show the older record only as a history table by period, with counts and the price range inside each period and no median:

Of the 19, 14 are dated before 2009 and 5 are dated 2009 or later. Prices across these periods belong to very different markets, so we do not average them.

The last 60 months: every qualified sale, one by one

The corrected county file names the unit address for each sale, and both sales match the county roll’s latest recorded sale on that unit.

The two prices add to $1,165,000, a mean of $582,500, and the median of these 2 sales is $582,500. The pair is the whole recent record and its most puzzling part. Unit 6, at 1,150 square feet, sold for $640,000 on April 30, 2025, and unit 4, at 1,415 square feet, sold for $525,000 on July 22, 2025, 83 days later. The smaller home sold for $115,000 more, and the price per heated square foot differs by $185.50. The county record cannot say why. Position on the water, condition, renovation and the buyer’s circumstances are the usual candidates, which is why we walk a home before we price it. We do not compute a county median per square foot, because two sales are not a market.

What the qualified file leaves out

Qualified Department of Revenue sales are a county record, not MLS. They exclude transfers the state does not treat as arm’s length, and they can lag a closing by weeks. One of the eight homes shows a latest recorded sale on the roll that is not in the qualified file: unit 1 at $132,588 on December 5, 2016. The other seven latest sales are in the file, including unit 5 at $485,000 on November 3, 2003 and unit 7 at $345,000 on December 11, 2000, which the pre-2009 record carries. We do not know why the county did not classify the 2016 unit 1 transfer as qualified, and we do not use it as a comparable. Unit 1’s only qualified sale in the file is $400,000 on January 24, 2005. The $132,588 price is below every qualified sale of a 1,150 square foot home in the file, including the $150,000 prices of 1986 and 1987, which usually points to a partial interest or a non-market transfer, and we are saying only that the record does not tell us.

What the MLS would add, and why it is missing

Information not available at time of publishing (checked 2026-10-01). That sentence covers every figure that comes from the Southwest Florida MLS: closed-sale count and median from the MLS, days on market, sale-to-list ratio, active listings and months of supply, our team’s share of Palm Bay Estates transactions, and any split by phase or home size. We are not estimating them from the county record, because the two sources measure different things, and with eight homes an estimate would be false precision.

Every home’s latest recorded sale on the roll

The county roll shows the most recent recorded sale on each parcel, whether or not the state classed it as qualified. We list all eight with no median, because the list mixes qualified sales with transfers the county file excludes, and because each parcel shows only its latest sale.

None of the eight shows a sale dated on or after October 1, 2025, so the roll and the qualified file agree that no recorded sale falls in the last twelve months. The newest, unit 4, is 436 days before October 1, 2026.

How much of Palm Bay Estates has changed hands since Hurricane Ian?

Two of Palm Bay Estates’ eight homes, units 4 and 6, show a latest recorded sale dated on or after September 28, 2022, the day Hurricane Ian made landfall, which is 25.0 percent of the property. That is a floor, because a home that sold twice since Ian shows only its last sale, and with eight homes a single sale moves the share by 12.5 points. A July 2025 Gulf Coast News Now report quotes a board officer at the neighboring Seascape saying about 10 percent of its owners sold after the storm, so Palm Bay Estates is turning over at a similar or somewhat higher pace, on a very small base.

Palm Bay Estates against its strip neighbors, on median recorded sale

The yardstick is each association’s first window among 12, 24, 36 and 60 months that holds 10 or more qualified county sales, with the number of sales beside it, plus the FEMA zone and the bare-earth ground elevation at the query points. Where no window up to 60 months holds 10, the table gives no median and the sales are listed instead. Palm Bay Estates and Sea Isles are in that second group, so treat the comparison as directional, not exact.

Palm Bay Estates’ two sales in 60 months, $525,000 and $640,000, bracket Bay Harbor Club’s $555,000 median and sit well above the much larger Beach and Tennis Club’s $280,000 median. Sea Isles’ eight sales since October 2021 run from $395,000 to $833,000, and the median of those 8 sales is $610,000. Palm Bay Estates’ roll year of 1985 is the newest in the table apart from Bonita Beach Club, whose roll runs from 1977 to 2009. Palm Bay Estates is also the only row whose bare ground, at 2.6 to 3.6 feet, is below the 3.7 to 5.3 feet at Bay Harbor Club, the next lowest. Two sales against twelve is too thin to rank, so the first fair comparison is the one we make in the comparison section below.

Where Did Palm Bay Estates Come From? Origins, Declaration and Plat

Palm Bay Estates was incorporated as a Florida not-for-profit association on January 13, 1982, according to the state’s corporate record, the state’s condominium division lists an eight-unit project recorded August 1, 1985, and Lee County’s roll dates all eight homes to 1985. The records disagree by three years on when the association began.

Data updated: October 2026

1982 and 1985: two records, three years apart

The Florida Division of Corporations shows Palm Bay Estates Condominium Association, Inc. as document 761435, filed January 13, 1982, with a reinstatement on June 7, 1990. The Division of Florida Condominiums, Timeshares, and Mobile Homes public records list the project as Palm Bay Estates Condo, 8 units, with a recording date of August 1, 1985. The Lee County Property Appraiser’s roll at leepa.org carries 1985 as the year built on all eight home parcels, and the county’s building layer carries 1985 as both the actual and the effective year built on all four buildings.

A corporation can form years before the condominium it will govern is recorded, so we do not read the three-year gap as an error, and no document we read explains it. We publish the corporate date as the state’s field and use 1985, the construction and recording year, for the age of the buildings and for the inspection analysis below. A recording date and a certificate-of-occupancy date are also different events, and we say so each time we use the year.

Two phases, two recorded instruments

Every Palm Bay Estates parcel’s legal description on the county roll cites a recorded instrument. Phase 1, which covers units 1 through 4 and the common elements, cites Official Records Book 1796, Page 3175. Phase 2, which covers units 5 through 8, cites Official Records Book 2577, Page 3027. In Florida, the legal description of a condominium unit normally points to the recorded declaration, so these two references are the best public pointers to the association’s governing instruments.

Official Records books are numbered in the order they are filled. The county roll’s declaration reference for Ambassador, a building the state dates to 1982, is book 1583, and Bay Harbor Club’s recorded declaration, from 1983, is in book 1696, so book 1796 fits the mid-1980s. Book 2577 is 781 books later, which means the Phase 2 instrument was recorded well after the Phase 1 instrument. We did not pull either instrument, so we do not state a year for the second one.

What a later Phase 2 instrument could mean

All four Phase 2 homes carry the same 1985 year built as Phase 1, yet their legal description points to a much later book. Some Florida condominiums are created in phases, with later phases added by amendment to the declaration, and an amendment recorded years after construction could explain the numbers. It is also possible that Phase 2 restates or amends the original declaration. We cannot tell which from the roll. The statutory document package under Florida Statute 718.503 must include the declaration, and a buyer’s attorney should ask for every recorded amendment and not only the first instrument.

Why the plat and the common-element parcel matter

The county’s parcel layer shows a separate common-element parcel for Palm Bay Estates, folio 10461653, at 26771 Hickory Blvd, covering about 0.80 acre. The eight home parcels are small, each between 0.04371 and 0.06579 acre in the same layer, which is a county allocation of land among homes and not a measurement of anything an owner can stand on. We did not pull the recorded plat or survey exhibit, which is the document that shows where each home, each limited common element and any shoreline or water area sits. When we queried the county’s map point for the common-element parcel in the USGS elevation service, it read below sea level, which suggests that the parcel includes water or shoreline. That is our inference, and the plat settles it.

What was here before

We found no public account of what stood on the site before 1985. The county’s qualified-sales file for Palm Bay Estates begins in February 1986, and its first six sales, dated February 1986 to March 1987, are priced at $150,000 or $151,000, one each for units 3, 5, 7, 2, 6 and 8. The file does not label them as first sales of new homes, so we do not claim that they are. We do not know the developer’s name from the public record and do not guess it.

Ready to Sell at Palm Bay Estates on Bonita Beach? Eight Homes and Two Recorded Sales in 60 Months: Start With a Free Valuation

The county record gives you a range, but it cannot tell you which phase, which size and which condition your own home belongs to. We can. Request a free home valuation or call Jesse direct at (239) 898-6072, text or call.

Palm Bay Estates Association Filings: Sunbiz, the State Condominium Record and Who Manages It

The association is active at the Florida Division of Corporations, its latest annual report was filed April 27, 2026, and the state’s condominium division lists the project as approved and recorded, with its annual fee paid for each billing year from 2022 to 2026. Both records name the same management company.

Data updated: October 2026

What the Sunbiz record says

The corporate record for document 761435 shows a Florida not-for-profit corporation, filed January 13, 1982, with the status active. Its last event is the reinstatement on June 7, 1990, which usually means the corporation lapsed at some point before then and was restored. The principal and mailing address is 26711 Dublin Woods Circle, Suite 202, Bonita Springs, FL 34135, and the registered agent is Gulf Coast Realty & Property Management at the same address, both changed March 25, 2022. Annual reports were filed March 25, 2022, April 27, 2023, March 5, 2024, April 9, 2025 and April 27, 2026. The April 27, 2026 annual report lists eight officer and director positions, and the April 9, 2025 report shows the same registered agent. We do not name individuals on this page, and the reports do not say who owns which home.

The state condominium record, and the two records that agree on management

The state’s condominium public records list the project under number PR1P005907, file 51668, with 8 units, recorded August 1, 1985, a status of approved and a secondary status of recorded. The managing entity is Palm Bay Estates Condo Assn Inc, in care of Gulf Coast Realty & Property Mgmt at 26711 Dublin Woods Circle, Suite 202, Bonita Springs. That is the same firm and the same address as the registered agent on the Sunbiz record, so the two public records agree. A registered-agent address is not proof of who manages the building day to day, and the state’s contact data can be out of date. The estoppel certificate names the manager that issues it, so the current answer appears on the first document a buyer will see.

The address conflict

The state’s condominium extract gives the project’s street field as a rural-route box number with ZIP code 33923, in the style of an older mailing record. Lee County says 26773 Hickory Blvd for the eight homes and 26771 Hickory Blvd for the common-element parcel, with ZIP code 34134, and the county’s map shows the parcels there. We treat 26773 as the homes’ address and read the state’s field as a legacy or mailing entry. If a document, an estoppel or an insurance quote shows the rural-route address, a buyer should ask the association to confirm it refers to the same property.

The state’s annual fee record: paid every year

Under Florida Statute 718.501, an association pays the state’s condominium division $4 per unit each year, which for eight units is $32. The state’s payment history for the association shows $32 billed in each billing year from 2022 through 2026 and nothing due. It shows $32 paid in 2022, 2024, 2025 and 2026 and $35.20 paid in 2023. The extra $3.20 is exactly 10 percent of $32, which is the late penalty the statute adds when the fee is not paid by March 1, so our reading is that the 2023 fee was paid late and the penalty was included. That is our reading of an administrative record and not a finding. The practical point for a buyer is that the state’s record does not carry the delinquent flag that appears on some neighboring associations.

Is there an association website?

We found none, in a web search and a sweep of plausible domain names. Florida requires a condominium association that manages 25 or more units to post its key documents on a website or in a mobile application, according to Florida Statute 718.111. Palm Bay Estates has 8 units, so it is not required to, and the absence of a site says nothing about compliance. The documents are with the manager and the seller, and a buyer’s agent can ask where they are kept.

The size of the association is itself a fact

An eight-home association is among the smallest on the Hickory Blvd strip. Its annual state fee is $32, against $240 for a 60-home building. Its budget is likely to be small too, though we cannot see it, and the statute that sets financial-report levels turns on total annual revenue: an association with revenue under $150,000 prepares a report of cash receipts and expenditures, and larger ones prepare compiled, reviewed or audited statements. A buyer should ask which level the association uses and read the report, because with eight owners every line is visible.

What Are the Palm Bay Estates Buildings Like? Four Duplexes, One Story, Eight Homes

Palm Bay Estates has eight homes at 26773 Hickory Blvd in four one-story buildings of two homes each, built in 1985, with heated areas from 1,150 to 1,444 square feet, according to Lee County’s roll and building layer. The one-story reading is the county’s, not a published story count.

Data updated: October 2026

Four buildings, two homes each

On October 1, 2026 we queried the Lee County building footprint layer, which names the condominium Palm Bay Estates Ph I and II. It returned four footprints. Each is classed as a condominium town house with two residential units, one story and a 1985 year built, and its data source is the county’s own condominium buildings file. Their effective areas are 3,228, 3,620, 3,228 and 3,676 square feet, which add to 13,752. We paired the homes to the buildings by nearest centroid: units 1 and 2, units 3 and 4, units 5 and 6, and units 7 and 8. The pairing is our inference, because the roll does not label buildings.

The size mix

The eight homes fall into four sizes. Four are 1,150 square feet (units 1, 2, 5 and 6), two are 1,415 (units 3 and 4), one is 1,251 (unit 7) and one is 1,444 (unit 8). The counts add to eight: 4 plus 2 plus 1 plus 1. Heated area totals 10,125 square feet, which is a mean of 1,265.6 per home and a median of 1,200.5, the average of the 4th and 5th homes in size order, 1,150 and 1,251. The mean sits above the median because the larger homes pull it up. The spread from smallest to largest is 294 square feet.

The county’s effective area is a valuation measure that can weight unheated space, so we draw no conclusion about garages, porches or storage from the difference between the two columns.

Phase 1 and Phase 2 are not mirror images

Phase 1’s four homes total 5,130 heated square feet: 1,150, 1,150, 1,415 and 1,415. Phase 2’s four total 4,995: 1,150, 1,150, 1,251 and 1,444. Phase 2 has the one 1,251-square-foot home and the one 1,444-square-foot home, the two sizes that appear nowhere in Phase 1, so a buyer cannot assume that one phase’s plan carries over to the other.

Lots, the common parcel and the water

The county’s parcel layer allocates land unevenly. Units 1 and 2 are about 0.06579 acre each, units 5 and 6 about 0.06348 acre each, and units 3, 4, 7 and 8 about 0.04371 acre each. The eight lots add to 0.43338 acre, and with the 0.80367-acre common-element parcel the property is about 1.24 acres in the county’s layer. The county tags every home parcel Bayou Front in its land-use description, but we cannot tell from the roll which homes face the water and which face the road, or whether any home has a dock, a lift or a seawall. Ask for the plat.

Garages, parking and storage

No garage, carport or parking assignment appears in the county legal descriptions, the state record or the filings we read. Whether a home has a garage, whether spaces are assigned and whether guest parking exists are declaration and rules questions. A buyer who needs covered parking, or who owns a boat trailer, should settle it before the offer.

Selling at Palm Bay Estates? Get a free valuation or call Jesse at (239) 898-6072. Buying? Call Marc at (239) 287-5873 or see our buyer page.

What Amenities Does Palm Bay Estates Have?

Palm Bay Estates’ amenities are not published: we found no association website, brochure or rules document that lists a pool, dock, clubhouse or gate. The county shows a 0.80-acre common-element parcel, so the homes share grounds, but what stands on them is a question for the association manager.

Data updated: October 2026

What the record shows and does not show

The county’s common-element parcel carries a land-use description of common elements, not a specific amenity. Nothing in the roll, the state’s records or the corporate filings lists a pool, tennis court, clubhouse, fitness room, dock or gate. We do not infer them from the neighborhood. Several nearby associations publish long amenity lists, and Palm Bay Estates does not, so the absence of a list is a fact about the public record and not a statement that nothing exists. For a property of eight homes, the realistic range runs from a landscaped common area to a shared dock, and the declaration and the plat are the documents that say which.

Beach access across the road

The nearest public Gulf access is very close. The county’s beach-access page lists Bonita Beach Access 6 at 26786 Hickory Blvd, and the county’s access-point layer places it about 57 to 115 meters in a straight line from the eight home points. Access 7 is 317 to 365 meters away and Access 5 is 388 to 437 meters away. The county page says Accesses 2 through 9 are free to park, that no pets are allowed and that no fires or grilling are permitted. Whether Palm Bay Estates owners have any private path of their own is a question for the declaration. The logistics section covers parking, the dated closures and what the county says about the condition of the beach.

Water access, docks and the bayou side

The county tags every Palm Bay Estates home parcel Bayou Front and every parcel as bay side. We did not find a document that says whether the association has a dock, a boat lift, a seawall or a launch, who owns it or who pays to maintain it. If a home is marketed with a dock or a slip, ask for the instrument that conveys it. In some Florida condominiums a dock is a limited common element assigned to one unit, in others it is a shared asset, and in others it belongs to a separate entity. Our audit of Bay Harbor Club found 50 deeded docks among its 103 units, which shows how much the answer can vary within a single association and why a listing’s wording is not enough.

What Does the Palm Bay Estates Fee Bundle Cover?

Palm Bay Estates’ current assessment, and the list of what it covers, are not published. We found no budget, no fee schedule and no listing-free source that states them, so we give no dollar figure. The route to the number is the seller’s document package, which must include the budget under Florida Statute 718.503.

Data updated: October 2026

What is documented, and how far it goes

The only dollar figure the public record gives for the association is its annual state fee of $32, which is $4 for each of eight units. Nothing we read states Palm Bay Estates’ monthly or annual assessment, the unit shares or the items the assessment covers. We saw commercial listing sites that appear to carry an association fee and a list of included services for homes here, and we did not use them, because they are marketing text keyed in for a listing and not association documents. Their content is a lead for the MLS pull that was parked on the publication date, and we list it among the figures to verify.

What the budget should tell you

The primary document is the budget. Under Florida Statute 718.503 the seller must furnish the current annual budget, and under Florida Statute 718.111 the association must keep its financial records open to owners. For a low-rise, bay-side property, read the budget for these lines:

• Property and flood insurance, which has been the main driver of fee growth along the Gulf coast, and the windstorm deductible.
• Reserve contributions for the items the association owns, such as roofs, paving, drainage and any seawall or dock, and whether reserves are funded or waived.
• Utilities that the association pays, such as water, sewer, trash and any bulk cable or internet.
• Landscaping, pest control, lighting and common-area electric.
• Management fees and professional fees.
• Any loan repayment or special assessment installment.

How condominium shares work, and what it would mean at Palm Bay Estates

Assessments are normally apportioned by each home’s share of the common expenses in the declaration. At Palm Bay Estates the eight homes are not the same size, so the formula matters. If every home paid an equal share, each would carry 12.5 percent. If shares followed heated area, a 1,150 square foot home would carry 1,150 divided by 10,125, or 11.36 percent, a 1,251 square foot home 12.36 percent, a 1,415 square foot home 13.98 percent and a 1,444 square foot home 14.26 percent. These are illustrations of the two common methods and not Palm Bay Estates’ shares, which only the declaration states. A buyer should find out which method applies, because it changes what the larger and smaller homes pay for the same project.

The management company

Two public records name the same firm, as the association filings section explains: Gulf Coast Realty & Property Management. The estoppel certificate is the reliable current answer, and we ask for it in writing.

What Are the Layered Costs of Owning at Palm Bay Estates?

Owning at Palm Bay Estates layers several costs on top of the price: the association assessment, any special assessment, property tax, your own condominium insurance, an estoppel certificate fee at sale and a deed tax at closing. At $525,000, the price of the newest county-recorded sale, Florida’s deed stamp tax alone is $3,675. Each layer has a different payer and a different document.

Data updated: October 2026

The estoppel certificate

An estoppel certificate is the association’s written statement of what a unit owes. Florida Statute 718.116 requires an association to issue it within 10 business days of a written or electronic request. The statute caps the fee at $250 when nothing is owed, adds $100 if the certificate is expedited and delivered within 3 business days, and allows up to $150 more if the unit is delinquent. It also provides that the fees are adjusted every five years for inflation, so confirm the current amount on the state’s published schedule. A certificate is effective for 30 days if delivered by hand or e-mail and 35 days if mailed.

The certificate is where a Palm Bay Estates buyer will see any capital contribution or transfer fee, any right of first refusal or board approval requirement, the status of every assessment and the insurance contacts. Because the declaration and rules are not public, the estoppel is the first place those terms will show.

The deed tax and the title policy

Florida taxes deeds at 70 cents per $100 of consideration under Florida Statute 201.02. At $525,000, the price of the newest county-recorded sale, that is 5,250 hundreds times $0.70, or $3,675. At $640,000, the other sale in the last 60 months, it is 6,400 hundreds times $0.70, or $4,480. In Lee County the seller customarily pays that tax and also the owner’s title insurance policy, and the contract controls both.

Property tax

Property tax on a Palm Bay Estates home is billed by the Lee County Tax Collector from the Property Appraiser’s assessment. The roll at leepa.org shows each home’s assessed value, exemptions and the taxing authorities, which include the City of Bonita Springs. A buyer should not carry the seller’s tax bill forward, because a change of ownership resets a capped assessment to market value. Ask us for a tax estimate at your purchase price when you are ready.

Your own policy

An association’s master policy does not cover everything inside a home, an owner’s personal property or loss assessment charged to the owner. Owners typically carry an HO-6 policy and consider flood coverage for contents and improvements, which we discuss in the insurance section. How the master policy is split between the association and each owner depends on the declaration, which matters more in a property of separate townhouse-style buildings than in a tower.

Special Assessments and Loans at Palm Bay Estates: What Is Public

No Palm Bay Estates special assessment notice, loan disclosure or board letter was public when we checked on October 1, 2026, so we cannot say whether the association has levied one. The route to the answer is the estoppel certificate, the budget and the minutes, and the statute says what a notice must contain.

Data updated: October 2026

What we looked for

We looked for an association website, owner letters, assessment notices and press coverage naming Palm Bay Estates. We found the corporate and state records described above and no association documents. Neighboring Seascape published a series of Hurricane Ian assessment letters, and a local news report put the per-owner cost there near $50,000, but nothing similar is public for Palm Bay Estates. We use the Seascape reporting only as context for what Gulf-side buildings on this strip have faced, and not as a statement about this property.

What a special assessment notice must say

Florida Statute 718.116 requires the written notice of a special assessment to state its purpose. Under Florida Statute 718.112, a board meeting at which a special assessment will be considered requires 14 days’ mailed or delivered notice and a posted agenda. A buyer who sees a notice should check that both are in order.

Why a special assessment weighs more in an eight-home association

Fewer owners means each one carries a bigger slice of every project. As an illustration, not a Palm Bay Estates figure, a $100,000 project divided equally among eight homes is $12,500 each. Divided by heated area, it is $11,358 for a 1,150 square foot home and $14,262 for a 1,444 square foot home, a difference of $2,904. The same $100,000 across a 60-home building is $1,667 per home. The arithmetic is why a small association’s reserve policy, roof age and drainage and seawall condition deserve more attention than they would in a large one.

How we would price one in

If a Palm Bay Estates buyer finds a recent or pending special assessment, we ask four questions. What is the stated purpose, and is it maintenance, a reserve catch-up or storm repair? How much has been paid and how much remains per home? Is the work finished and permitted? And what does it say about the reserve funding? A buyer can then negotiate with facts, and a seller can show the same facts to a buyer.

Declaration, Bylaws, Rules and Approvals at Palm Bay Estates

Palm Bay Estates’ declaration, articles, bylaws and rules are not posted publicly that we could find. A buyer can read the statutory document package the seller must provide, the two Official Records references on the county roll and the corporate filings. Approval, transfer and leasing terms are therefore unknown until the documents arrive.

Data updated: October 2026

What a buyer can read before contract

Three public sources carry real governance content for Palm Bay Estates. The county roll’s legal descriptions cite Official Records Book 1796, Page 3175 for Phase 1 and Book 2577, Page 3027 for Phase 2, which point to the recorded instruments. The Division of Corporations record and the state’s condominium public records identify the entity and the project. And Florida Statute 718.503 gives the buyer a right to the declaration, bylaws, articles, rules and financial documents, with a seven-day window, excluding Saturdays, Sundays and legal holidays, to cancel after receiving them if they were not delivered before signing.

Meetings, notice and owner votes in a very small association

The statute sets the baseline even when a property has not published its own rules. Board meetings require 48 hours’ posted notice, and meetings on a special assessment or a rule that changes unit use require 14 days’ notice, under Florida Statute 718.112. That statute also lets an association of 10 or fewer units, by a majority vote of the total voting interests, provide for different voting and election procedures in its bylaws. Palm Bay Estates has eight units, so its bylaws may do so, and a buyer should read how directors are chosen and how owners vote.

Who is responsible for what inside and outside a home

The line between association and unit-owner responsibility, for items such as roofs, exterior walls, windows, doors, air handlers, plumbing and electrical, is set by the declaration and by Florida Statute 718.113 as to maintenance, and a declaration can place some items on the owner and others on the association. In four separate duplex buildings, roofs and exterior walls are the big-ticket items, and the declaration decides whether the association or the two owners in each building bear them. Palm Bay Estates’ declaration is not public, so we do not say where its line falls.

How a declaration is amended and how rules are enforced

A declaration is amended by the method it provides, and if it provides none, Florida Statute 718.110 allows amendment by owners of at least two-thirds of the units on most matters. That is why we ask for every recorded amendment and not just the original instruments, and with two phases it is a live question here. Under Florida Statute 718.303, each owner, tenant and invitee must comply with the chapter, the declaration and the rules, and a fine may not exceed $100 per violation or $1,000 in the aggregate, after notice and an opportunity for a hearing.

Approvals, transfer and applications

Palm Bay Estates’ sale approval requirement, application process, right of first refusal, transfer fee or capital contribution are not published. The estoppel certificate is where they would appear, because Florida Statute 718.116 requires it to state any capital contribution or transfer fee, any right of first refusal or board approval requirement, and the insurance contacts. Request it early in the contract period. Disputes with an association over how a request was handled can go through the dispute-resolution process in Florida Statute 718.1255.

Your right to inspect the records

Beyond the seller’s package, Florida Statute 718.111 gives unit owners a right to inspect and copy the association’s official records, including the budget, financial reports, meeting minutes and insurance policies. A buyer who becomes an owner can use that right after closing, and a buyer’s agent can ask the manager what is available before.

Can You Rent Out a Palm Bay Estates Home?

Palm Bay Estates’ rental rules are not published: we found no minimum lease term, rental cap or approval process. Separately, Florida, Lee County and the City of Bonita Springs each regulate short rentals through licensing, tourist taxes and permits, and each applies whatever the declaration allows.

Data updated: October 2026

What the association has published

Nothing we read states a Palm Bay Estates minimum lease length. The first question for the manager is the declaration’s leasing article, any amendments, and the board’s rental application and fee. The three strip associations whose rules we could read all set a floor of 30 days, and Palm Bay Estates’ own rule can only come from its own documents.

The state license trigger

Florida Statute 509.242 defines a vacation rental to include a condominium unit rented to guests more than three times in a calendar year for periods of less than 30 days or one calendar month, or advertised as available for rent in that manner. Such a unit needs a license from the state’s hotels and restaurants division. The statute applies on top of any association restriction, so a license does not create a right to rent that the declaration denies.

Tourist tax

Lee County levies a tourist development tax on rentals of six months or less, at 5 percent, administered by the Clerk’s Inspector General office, according to the Lee County Clerk’s tourist tax page and the Department of Revenue’s tourist development tax rate sheet. Owners who rent short-term must register and remit, and the Clerk’s page says an owner stays responsible for remittance if a dealer fails to collect. Whether a platform collects some taxes for you is a question for your tax adviser.

The City rental permit, and a six-unit question

The City of Bonita Springs runs a rental permit program. As we read the City’s page, the permit applies to non-owner-occupied single-family, duplex or multi-family property of up to six units, and it exempts condominiums of more than six units governed by Chapter 718. Palm Bay Estates’ declaration covers eight units, which is more than six, but each of its buildings holds two, and the page does not say whether the City counts units per condominium or per building. That is a real ambiguity for an owner who wants to rent. Confirm the current rule with the City before you rely on either reading.

Are Pets Allowed at Palm Bay Estates?

Palm Bay Estates’ pet rules are not published, so we cannot state a weight limit, a count limit or a breed restriction. Federal and Florida law protect assistance animals separately, and every other pet rule lives in the declaration or the rules, which a buyer confirms through the estoppel and the association manager.

Data updated: October 2026

What to ask

Ask the manager for the pet section of the rules and any pet registration form. Ask whether the limit is by weight, count or breed, whether it applies to guests and tenants, and where pets may be walked on the grounds. Ask whether the rules were adopted by the board or written into the declaration, because that changes how hard they are to amend.

Assistance animals

An assistance animal is not a pet under federal fair housing law. The U.S. Department of Housing and Urban Development explains the rules on its assistance animals page. A buyer who relies on an assistance animal should raise it with the association through the process in the rules, not through the pet registration.

Beach rules for dogs

Dog rules on the public beaches near Palm Bay Estates are set by Lee County Parks and the City, not by the association. As of October 1, 2026, the county’s page for Bonita Beach Accesses 2 through 9 said no pets are allowed, and the page for Bonita Beach Park said the same. Rules differ by beach, so check the Lee County beaches pages for the access you plan to use.

What Did Hurricane Ian Do Near Palm Bay Estates?

Hurricane Ian’s surge reached the Palm Bay Estates block: the U.S. Geological Survey surveyed five high-water marks within 634 meters, at 11.0 to 12.4 feet above the datum. Against Palm Bay Estates’ bare ground that implies roughly 7.4 to 9.8 feet of water, by our arithmetic. No Palm Bay Estates document describes its own damage.

Data updated: October 2026

What we did not find

No owner letter, board update, loan notice or press story about the Palm Bay Estates buildings’ own Ian experience was public when we checked on October 1, 2026. We do not assert that any home took water or that it did not. The county roll’s latest-sale dates show two Palm Bay Estates homes, units 4 and 6, trading since the storm, which is consistent with an ordinary resale market and says nothing about damage.

The closest surveyed marks

The U.S. Geological Survey’s high-water mark database for Ian holds these marks nearest the eight Palm Bay Estates map points. Distances are straight-line from the nearest home point, and elevations are feet above the NAVD88 datum.

Ground at the four home points we sampled is 2.61 to 3.59 feet above the same datum, according to the USGS elevation service. Subtracting gives 11.0 minus 3.59, or 7.41 feet, to 12.4 minus 2.61, or 9.79 feet, of water above Palm Bay Estates’ bare ground. That is our arithmetic from neighbors’ marks, not a measurement taken at the buildings, and a floor raised above the ground would have met less water.

How high was the water? Numbers that disagree

Published surge numbers differ. The National Hurricane Center’s Hurricane Ian report says maximum inundation of 8 to 12 feet above ground occurred in Estero, Bonita Beach, Bonita Springs and North Naples. Other agency documents we read describe higher figures for the same coast. We quote the Hurricane Center’s range because it is a published, sourced range, and we treat the surveyed marks above as the closest evidence for this block.

What to ask the seller

Ask whether the home took water, whether an insurance claim was filed and paid, whether the association levied a special assessment for storm work and whether every permit is closed. Florida requires a seller to disclose flood history under Florida Statute 689.302, and a buyer who gets the answers in writing has what a lender and an insurer will ask for.

Palm Bay Estates Flood Zone, Storm Posture and Insurance

FEMA’s flood map places the Palm Bay Estates buildings in Zone AE with a base flood elevation of 11 feet on panel 12071C0651G, effective November 17, 2022, and Lee County’s evacuation map puts them in Zone A. Whether any one home sits above or below that line depends on floor heights, which are not published.

Data updated: October 2026

What we queried and when

On October 1, 2026 we queried FEMA’s National Flood Hazard Layer at four home points, units 1, 4, 6 and 8, and each returned Zone AE, a base flood elevation of 11.0 feet on the NAVD88 datum and the same panel. A fifth point at the common-element parcel fell on water and is excluded. Lee County’s evacuation zone map returned Zone A and surge zone 1 at the same four points, and the county’s layers place the homes inside the City of Bonita Springs.

Base flood elevation against the ground

Ground at the four points is 3.28, 2.61, 3.59 and 3.11 feet. The base flood elevation minus ground is therefore 7.41 to 8.39 feet. That does not mean the living floors are that far under the line, because a home can stand on a raised slab, stem wall or fill, and we did not find an elevation certificate for any Palm Bay Estates building. The elevation certificate, which a licensed surveyor prepares, records the lowest floor against the base flood elevation, and it is the single most useful flood document to ask for.

The City’s rules after damage

The City of Bonita Springs treats the design flood elevation as the base flood elevation plus one foot, according to its substantial damage and substantial improvement notice. For Palm Bay Estates that points to 12 feet NAVD88. A building that sustains damage costing 50 percent or more of its pre-damage market value must be brought to that elevation, and the City’s ordinance amending Chapter 10, Building Codes and Standards, adopted in 2022 carries the definitions of substantial damage and substantial improvement. The ordinance also records that Lee County joined the National Flood Insurance Program on September 19, 1984 and the City on August 16, 2002. The county roll dates the Palm Bay Estates buildings to 1985, after the county’s entry, but we did not read the permits and we do not state which flood map governed their construction. Whether the City made a substantial damage determination for any home is not published, and the EnerGov portal lets anyone search permits by address.

The City’s flood rating and your flood insurance

The City’s FEMA and CRS page says FEMA maintained the City’s Community Rating System rating of Class 5, and the 25 percent discount on National Flood Insurance Program premiums that comes with it, in a notice dated November 21, 2024. FEMA’s CRS guide explains how class ratings translate to discounts.

Condominium buildings can buy a residential condominium building policy under the National Flood Insurance Program. FEMA’s summary of coverage puts the building limit at the lesser of replacement cost or $250,000 times the number of units, with a coinsurance penalty when coverage is below the required share. Whether a two-unit building like those at Palm Bay Estates is written on that form, or rated another way, is a question for the insurer, and we did not verify it. Palm Bay Estates’ flood policy, limit and carrier are not published. Ask the manager for the declarations page, and ask each seller whether the unit owner carries a separate contents and loss-assessment policy.

Wind, the master policy and what insurance costs

Palm Bay Estates’ wind and flood carriers, deductibles and premiums are not published. The context is a market that moved sharply. Florida’s Office of Insurance Regulation data shows the statewide average premium per commercial residential condominium-association policy was $72,570 at the end of June 2022, $147,381 at the end of June 2024 and $135,100 at the end of June 2026, which are our readings of the OIR quarterly data. Citizens’ 2026 rate filing took effect for policies on or after July 1, 2026 with average increases of 7.7 percent for commercial residential multiperil and 14.1 percent for wind-only. Statewide averages say nothing about one association, and one association can hold several policies.

The Florida Chief Financial Officer’s My Safe Florida Condo program offers eligible associations wind-mitigation inspections and grants. We did not find whether Palm Bay Estates applied.

Storm posture for owners

Lee County Emergency Management orders evacuation by zone, and Zone A is the first of five surge zones, A through E, on the county’s evacuation page. Before any storm, owners should know the shutter or impact-glass status, the vehicle rules for the parking area and the contact path for the manager. The association’s own storm plan is not published. After a declared emergency, Florida Statute 718.1265 lets a board hold meetings by video and levy special assessments without an owner vote, unless the documents say otherwise, so a buyer should ask whether the declaration restricts those powers.

Helene and Milton in 2024

In 2024 the National Hurricane Center reported surge up to 3 to 5 feet above ground from south of Englewood to Bonita Beach in Hurricane Helene, and 4 to 6 feet from south of Boca Grande through Bonita Beach in Hurricane Milton. Those are regional ranges. They are lower than the Ian figures above, and we found no Palm Bay Estates document describing damage from either storm.

Milestone Inspections and Reserve Studies at Palm Bay Estates

Palm Bay Estates’ four buildings are one story and hold two homes each, so Florida’s milestone inspection law, which applies to buildings of three or more habitable stories, does not appear to reach them. Roofs, reserves and insurance still matter, and we cite the statutes and name what to request.

Data updated: October 2026

What the county’s building record shows

The county’s building layer lists each of the four Palm Bay Estates footprints as a two-unit condominium town house, one story, built in 1985. That is a county tax record, not a determination under the Florida Building Code, and the statute turns on the code’s count of habitable stories. We say what the county shows and no more.

The statutes

Florida Statute 553.899 applies its milestone inspection to buildings three habitable stories or more in height, as the Florida Building Code determines the count, and it excludes one-, two-, three- and four-family dwellings with three or fewer habitable stories. Florida Statute 718.112 excludes buildings under three stories and one- to four-family dwellings from the structural integrity reserve study requirement, and requires the study by December 31, 2025 for buildings three stories or higher. A 2025 law, House Bill 913, moved that deadline from December 31, 2024.

Why this does not end the conversation

A building outside the milestone and reserve study rules can still have a failing roof, rotted fascia, a termite problem or an underfunded reserve. For a small association the roof is often the single largest shared cost. Ask the manager for the roof’s age and any replacement quote, the reserve balance, and whether the budget funds reserves at all. Florida law lets the owners of a small association vote to change how reserves are handled, and we describe what the declaration and budget say in the layered costs section above.

What the contract says

Contracts for condominium units signed after December 31, 2024 must carry a conspicuous statement under Florida Statute 718.503 about whether the association is required to have a milestone inspection or reserve study and whether it has completed one. The statute provides two forms, one for an association that is required and has not completed it and one for an association that is not required. Read which form your contract uses and ask the seller why. The state’s condominium resources explain the inspection rules.

The Citizens question

The committee analysis of House Bill 913 described a provision prohibiting Citizens from insuring buildings without a completed milestone inspection and reserve study, and the House’s final summary says the enrolled bill does not include it. Read the committee analysis and the final-version summary together, and do not assume coverage will be refused or guaranteed on that basis.

Which Schools Serve Palm Bay Estates? Check by Address

Lee County’s school proximity layer, queried on October 1, 2026 for the Palm Bay Estates home points, returned elementary zone Q. The School District of Lee County’s address locator controls the answer for any specific home, and the district revises its plan every year.

Data updated: October 2026

How to check your address

Open the district’s school zones page, which links to the school site locator, and enter 26773 Hickory Blvd. Run it for the current school year and again if the district approves a new enrollment plan. The district’s published enrollment plan explains how choice and proximity zones work and which schools are open to requests from any zone. The district page says the 2026 to 2027 plan was approved on December 1, 2025, and we did not read that version.

What zone Q lists in the plan we read

In the 2024 to 2025 enrollment plan we read, elementary zone Q lists Bonita Springs Elementary, Pinewoods Elementary, San Carlos Park Elementary, Spring Creek Elementary and Three Oaks Elementary. Middle and high school assignment comes from the locator for the address, and the district’s sites for Bonita Springs Middle, Three Oaks Middle and Bonita Springs High School show what each offers. A zone letter in 2026 may map to a different set of schools than the same letter in 2024, so treat this as a map to the question and not as the answer.

What we do not claim

We do not publish school grades or test scores here, because a grade attaches to a school and not to a building, and the assigned school can change. The locator result and a conversation with the district are the answer. Ask us and we will run the address with you.

City Permits, Zoning and Coastal Rules at Palm Bay Estates

Palm Bay Estates sits inside the City of Bonita Springs, so building permits and zoning come from the City, while the state’s coastal construction control line and Lee County’s coastal layers add rules. We did not confirm the City’s zoning district for the parcels, and we say where to confirm it.

Data updated: October 2026

City permits and the EnerGov portal

Alterations to a building, a home’s electrical or plumbing, and restoration after storm damage require City permits. The City’s self-service portal, EnerGov, lets anyone search permits by address, and the City’s Hurricane Ian permitting page and post-storm permitting guide describe the post-storm process. For any home you plan to buy, search 26773 Hickory Blvd and ask the seller to close out any open permit. Open permits can complicate a closing and a lender’s review.

Zoning: not confirmed here

Lee County’s parcel layer tags the Palm Bay Estates parcels with the City of Bonita Springs as the zoning authority and leaves the zoning district blank. Lee County’s future land use layer covers unincorporated areas, so a blank there is what we would expect inside a city. We did not confirm the City’s district. The City’s Land Development Code on Municode and the Community Development Department are the places to confirm it, and a buyer who needs a specific use, an addition or a dock should confirm it in writing.

The coastal construction control line

The Florida Department of Environmental Protection regulates construction seaward of the coastal construction control line, and its program page explains the rules. Our comparison of the home points with the state’s 1991 line found it 12 to 32 meters away, but the line ends near the property and we could not tell which side of it the buildings fall on, so we do not say. Lee County’s 1978 line is 92 to 140 meters away, with the homes landward of it. Whether any Palm Bay Estates structure holds a state coastal permit is not published, and the association manager is the one to ask.

Lee County’s coastal layers

Lee County’s geographic data layers returned “High hazard” for the Coastal High Hazard Area and “Coastal Building Zone (ORD 94-22)” for the Coastal Building Zone layer at the home points. These are county layers, and the City of Bonita Springs has its own code. Whether and how the City applies them is a question for the City’s Community Development Department. We report the results as queried and no more.

Palm Bay Estates Daily Logistics: Beach Access, Parking, Trash, Mail, Utilities and Getting Around

Living at Palm Bay Estates means a county beach access within about 57 to 115 meters of the homes, a Hickory Blvd address on the bay side, and City and county services for trash, water and roads. Several public lots changed their rules in September 2026, and we date every closure statement.

Data updated: October 2026

Beach access and public lots, checked October 1, 2026

Lee County Parks pages, which we re-read on October 1, 2026, said the following. The pages change, so check them again before you go.

• Bonita Beach Park, 27954 Hickory Blvd: the lot and amenities were closed from Tuesday, September 8, 2026 for Hurricane Ian repair construction, and pedestrian access was through Access 1.
• Bonita Beach Access 1, 27890 Hickory Blvd: the page said the lot closes November 1, 2026.
• Little Hickory Island Park, 26082 Hickory Blvd: the lot was closed from September 8, 2026, pedestrian access continued and the annual pass is valid.
• Other Bonita Beach accesses: the county page lists free parking at accesses 2 through 9, says no pets and no fires or grilling are allowed, and warns that the beaches have not been restored to their condition before Ian.

A WGCU report from September 9, 2026 covers the parking closures. The county’s annual beach parking pass is $60 under the unified payment system that started May 1, 2025, per the county’s payment-system notice. One conflict to note: the Bonita Beach Park page says the annual pass is not accepted there, while the county’s general payment notice describes the pass as valid at paid beach lots. Palm Bay Estates’ street number, 26773, sits near Access 6 at 26786 Hickory Blvd, a free-parking access according to the county page.

How far is the sand?

By our straight-line measurement from the county’s access-point layer to the eight home points, Access 6 is about 57 to 115 meters away, Access 7 is about 317 to 365 meters away and Access 5 is about 388 to 437 meters away. The county’s access-point layer carries an old status field from the storm that we ignored. Whether an owner can walk through the association’s grounds to the sand, or must cross Hickory Blvd, is a declaration and site question we could not settle from public records.

Roads and bridges

The Lee County Department of Transportation closed the Big Hickory Pass Bridge on September 29, 2022 after Ian, in an update on its site. We could not find a current status statement for it, so we do not claim a through route to Fort Myers Beach. On May 20, 2026 the City of Bonita Springs council approved a contract for a Hickory Boulevard roundabout site improvement project, and the item we read does not say where on Hickory Blvd it is, so do not assume it affects Palm Bay Estates.

Trash, recycling and mail

Lee County Solid Waste’s contracted haulers serve the City of Bonita Springs, according to a WGCU report on the county’s seasonal schedule and the county’s solid waste page. Whether Palm Bay Estates uses county collection or a private contract is not published. The county roll lists the homes under ZIP 34134, and the arrangement for mail delivery is not described in anything we read.

Water, sewer, power and internet

Bonita Springs Utilities lists the City of Bonita Springs in its water and wastewater service area, and Florida Power and Light is the electric utility. Who provides cable or internet to Palm Bay Estates, and whether it is bulk-billed through the association, is not published.

Getting around

Map routing from two points on the Hickory Blvd strip, one mid-strip and one at the south end, with no traffic, gives these ranges. Palm Bay Estates sits within the strip, and the routing services we used are public estimates and not official figures.

The LeeTran bus system and its on-demand service operate in the area.

Beach Nourishment, Erosion and Sea Turtle Season Near Palm Bay Estates

The beach across from Palm Bay Estates is shaped by a state and county nourishment program, by storm erosion and by sea turtle nesting from May 1 through October 31. The City reported 187 nests on Little Hickory and Big Hickory Island in 2025, and lighting rules apply to beach-adjacent property.

Data updated: October 2026

Beach nourishment and erosion

The Florida Department of Environmental Protection’s beach funding request lists the Bonita Beach nourishment project, 0.78 mile between state monuments R226 and R230 plus 400 feet, with its last nourishment in September 2014 and a new one planned for 2024. The state’s critically eroded beaches report covers Little Hickory Island. Lee County awarded a roughly $39.2 million contract on September 17, 2024 for Lovers Key and the north end of Bonita Beach, according to WINK News. We did not confirm completion or whether the project reaches the beach in front of Palm Bay Estates. WGCU reported erosion in Bonita Springs after Milton.

Sea turtle nesting

The City’s sea turtle awareness page says nesting season runs from May 1 through October 31, with the City’s guidelines applying from 9 PM to 7 AM, and that lights visible from the beach should be shut off or shielded. A February 2026 City item, Turtle Time presented marine turtle nesting data for the 2025 season, reports 187 nests on Little Hickory Island and Big Hickory Island, 381 non-nesting emergences, five nests relocated after tides exposed the eggs and 17 nests disoriented primarily because of non-compliant lighting.

Why this matters to an owner

The City says it mails an annual letter to beach-adjacent property owners about nesting rules, and it enforces a sea turtle conservation code. Whether a Palm Bay Estates home counts as beach-adjacent for that mailing is not something we confirmed. An owner should ask the association about exterior lighting rules, and a buyer who wants to add or change lighting should check them first.

How We Researched Palm Bay Estates, and What We Tracked First-Hand

We built this page from primary records, not a listing feed. We tracked all nine Palm Bay Estates parcels in the Lee County roll, the 19 qualified sales in the county’s sales file since 1986 and every state filing we could open, and we queried FEMA, Lee County and the U.S. Geological Survey ourselves.

Data updated: October 2026

What we did, step by step

A team with the Top 1% Real Estate Agents Nationally Since 2008 recognition still has to show its work, so each step below is one a reader can repeat. We pulled the parcel records for the eight homes and the common-element parcel and read each home’s heated area from the roll. We tracked the four building footprints in the county’s building layer and matched each home to a footprint by nearest centroid, which is our inference. We read the county’s recorded-sales index, built October 1, 2026, and kept its window and qualification rules intact. We opened the Florida corporate record and its annual reports, and we read the state’s condominium extract and its payment history for the association. We queried FEMA’s National Flood Hazard Layer at four home points, Lee County’s evacuation, parcel, coastal and school layers and the U.S. Geological Survey’s elevation and high-water-mark services on October 1, 2026. We re-read the Lee County Parks beach pages on the same day.

What we found that surprised us

Three things stood out. In 2025 a 1,150 square foot home sold for $640,000 on April 30 and a 1,415 square foot home sold for $525,000 on July 22, 83 days later, so the smaller home brought $115,000 more and a spread of $185.50 per square foot. The state counts eight units and the county returns nine parcels, and the difference is a common-element parcel of about 0.8 acre. And the two phases’ recorded books are 781 apart, which suggests Phase 2 was recorded much later than Phase 1, an inference from the legal descriptions and not a document we read.

What we could not get

We could not pull Southwest Florida MLS data for Palm Bay Estates, so every MLS-derived figure on this page is marked unavailable and not estimated. We could not read the declaration, bylaws, rules, budget, reserve documents or any insurance document, because we found no public copy. We list these gaps again, in one place, at the end of the page.

Comparable Associations on the Strip: Palm Bay Estates vs Bay Harbor Club

Bay Harbor Club is the closest comparable to Palm Bay Estates on position and price: both sit on the bay side of Hickory Blvd, both are in FEMA Zone AE at 11 feet, and Palm Bay Estates’ two sales in the last 60 months, $525,000 and $640,000, bracket Bay Harbor Club’s 24-month median of $555,000. They differ in size, structure, age and how docks work.

Data updated: October 2026

Palm Bay Estates versus Bay Harbor Club, side by side

Bay Harbor Club is a two-tower condominium of 104 units by the state record and 103 on the county roll, with 13 levels over parking, built in 1983, and our page on it audits its record.

The two windows are not the same length, so we compare directionally and never as a ranking. Palm Bay Estates’ two sales in 60 months both fall in 2025, and Bay Harbor Club’s twelve sales span two years.

When Palm Bay Estates is the better fit

Choose Palm Bay Estates if a one-story home with a tiny association, a bay-side address and a beach access within about 115 meters is the point, and if you are comfortable doing the document work this page describes. With only eight owners, one decision can move the budget, and one sale moves the share of recent trades by 12.5 points.

When Bay Harbor Club is the better fit

Choose Bay Harbor Club if you want a larger shared structure and a deeper recent sales record, or a deeded dock. A 13-level tower also falls inside the three-story test on its face, so its milestone and reserve study questions are different from Palm Bay Estates’. Read our Bay Harbor Club page for its own audit.

Decision table: which one for which buyer

The other strip neighbors

County windows differ by neighbor, so the medians below describe each record and not a ranking.

Seascape is a 136-unit Gulf-side condominium whose public letters document a multi-year storm recovery and special assessments. Bonita Beach Club is a gated 198-unit community with published dues. Bonita Beach and Tennis Club is a 360-unit community by the state record, with five projects of 72. The Casa Bonita towers include buildings mapped in a higher-hazard zone. Sea Isles has fewer than 10 sales in 60 months, so we state no median for it, and the median of its 8 sales since October 2021 is $610,000.

Selling at Palm Bay Estates? Get a free valuation or call Jesse at (239) 898-6072. Buying? Call Marc at (239) 287-5873 or see our buyer page.

Pros and Cons of Owning at Palm Bay Estates

Palm Bay Estates offers eight one-story, bay-side homes in four buildings, a beach access within about 115 meters and a small association, and its costs are an unpublished fee schedule, a thin sales record, a 1985 building and the flood and insurance pressure of Zone AE. Both columns are documented below.

Data updated: October 2026

What we like

• Scale. Eight homes at one address, small enough that every owner has a voice and every decision is personal.
• Bay side. The county roll lists all eight home parcels on the bay side of Hickory Blvd, with a Bayou Front land-use description.
• Beach access on foot. The nearest county access is about 57 to 115 meters away, per our measurements.
• One story. The county’s building layer shows one story for all four buildings.
• Variety. Four heated sizes, from 1,150 to 1,444 square feet, so a buyer can choose a size.
• Clean state record. The state shows the association Approved and Recorded, with every annual fee billed for 2022 through 2026 shown as paid.

What gives us pause

• A thin public record. No association website, fee schedule, rules, budget or reserve document was found, and the county’s recorded-sales file holds 2 qualified sales in the last 60 months.
• Hard-to-price homes. The 2025 pair, with the smaller home selling for $115,000 more, shows that size alone does not set a price here.
• Flood and surge. FEMA Zone AE at 11 feet, evacuation Zone A, and Ian marks of 11.0 to 12.4 feet within 634 meters.
• Age. The buildings date to 1985, so roofs, windows and shared systems deserve a documented review.
• Insurance cost. Statewide condominium premiums have moved sharply, and this association’s own are not published.
• Small-association risk. Eight owners share every cost, so one large repair can mean a large share per home.

How to weigh it

For most buyers the question is not whether these points exist but whether the documents resolve them. A buyer who reads the budget, the reserve balance, the special-assessment ledger and the estoppel certificate can price a Palm Bay Estates home on facts. A buyer who cannot get those documents should treat that as information too.

Selling at Palm Bay Estates? Get a free valuation or call Jesse at (239) 898-6072. Buying? Call Marc at (239) 287-5873 or see our buyer page.

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

If you’re searching for a Palm Bay Estates listing agent, or thinking, “I need someone to sell my Palm Bay Estates home…”, McGreevy and Comisar is the team to call. Jesse McGreevy and Marc Comisar lead Domain Realty Group, and we prepare every Palm Bay Estates listing the way a buyer’s attorney will read it: documents first, assessments disclosed, and price tied to the county record.

Selling credentials

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

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

Recent Palm Bay Estates sold-listing stats

Information not available at time of publishing (checked 2026-10-01). The Southwest Florida MLS pull that would give the 12-month Palm Bay Estates closed-sale count, dollar volume, average days on market and sale-to-list ratio was parked on the publication date, so we show the public record instead. Lee County’s qualified record shows two Palm Bay Estates sales in the last 60 months, $640,000 on April 30, 2025 and $525,000 on July 22, 2025, and none dated in the 12 months before October 1, 2026. The newest, on July 22, 2025, is 436 days old. A sample this small is why each Palm Bay Estates comparable matters.

Why selling at Palm Bay Estates is different

A Palm Bay Estates sale is a documents sale and a small-numbers sale. The buyer’s attorney and lender will ask for the budget, the reserve balance, any special assessment and the insurance summary, and a home that arrives with those papers in order sells on its merits. We request the estoppel certificate and the statutory document package under Florida Statute 718.503 before we list, so the first buyer to see the home also sees the facts.

Price follows size, phase, condition and orientation, and the record is thin. The eight homes run from 1,150 to 1,444 square feet, and the 2025 pair, a 1,150 square foot home at $640,000 and a 1,415 square foot home at $525,000, shows that the larger home does not automatically bring more. We price from the nearest like home in the county record and from the neighboring associations, and we adjust for condition. Condominium projects with missing documents, special assessments or insurance questions can narrow the pool of financed buyers, so we confirm early what a buyer’s lender will ask.

What Is Your Palm Bay Estates Home Worth? Get a Free Valuation in 60 Seconds

Request your free Palm Bay Estates home valuation and we will come back with the nearest comparable recorded sales, the size and phase adjustments, and the document gaps that could affect your price.

Talk to Jesse direct

Call or text Jesse at (239) 898-6072, text or call, with any question about selling at Palm Bay Estates.

Palm Bay Estates seller mini-FAQ

Six questions Palm Bay Estates owners ask us before they list.

How much is my Palm Bay Estates home worth?

It depends on size, phase and condition, and the county record is thin: two qualified sales in the last 60 months, $640,000 and $525,000, both in 2025. We use the nearest like home, not an average. A free valuation from our team gives you the comparables and the adjustments.

What do I owe the association when I sell?

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

Will the thin public record hurt my sale price?

Not by itself, but a buyer will ask what you can document. The public record shows no association website, fees or rules, so a seller who brings the budget, the rules and the estoppel turns an unknown into an answer. We gather them before we list.

Which documents do I need to give a Palm Bay Estates buyer?

The declaration, articles, bylaws and rules, the annual financial statement and budget, and the frequently asked questions document, all at your expense under Florida Statute 718.503.

Does my home’s size change the price?

Yes, but not in a straight line. The eight homes run from 1,150 to 1,444 square feet, and the two 2025 sales show a smaller home selling for $115,000 more than a larger one 83 days later. We price each home from the nearest like sale and adjust for condition and orientation.

How do I start?

Call Jesse at (239) 898-6072, text or call, or use the free valuation link above. We will ask for your unit number, then pull the nearest comparables and request the document package from the association manager before you decide on price.

Your Local Real Estate Experts

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

Honors and recognition

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

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

Contact Jesse and Marc

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

About our team

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

Frequently Asked Questions, Buyer Edition

When was Palm Bay Estates built?

The county roll dates the buildings to 1985, and the state’s condominium record shows the project recorded on August 1, 1985. The corporate association was filed in 1982, which is earlier, and we report the two dates as they appear without reconciling them.

How many homes does Palm Bay Estates have?

Eight homes in four one-story, two-home buildings, according to the state’s record and the county’s building layer. The county shows nine parcels, which are the eight homes plus a common-element parcel of about 0.8 acre.

Is Palm Bay Estates on the Gulf?

No, it is on the bay side of Hickory Blvd. The county tags every home parcel Bayou Front. The nearest county Gulf access, Access 6, is about 57 to 115 meters from the homes in a straight line.

Are there homes for sale at Palm Bay Estates on Bonita Beach?

Active-listing counts come from the Southwest Florida MLS, which was not available when we published, so we do not show them. The county’s file records two qualified sales in the last 60 months. Ask us for a current search and we will run it for you.

What are the HOA fees at Palm Bay Estates?

Not published. We found no association website, budget or rules, and we did not use fee figures from listing text. The estoppel certificate and the budget state the current assessment, and we request both before you make an offer.

What does the Palm Bay Estates fee include?

Not published. Which costs the association pays, such as insurance, roofs, grounds or water, is set by the declaration and the budget. Ask the manager for the budget line items, and compare them with what the home’s owner pays separately.

Does Palm Bay Estates have a pool or a gym?

No amenity list is public. The county shows a 0.8-acre common-element parcel, but nothing on the record names a pool, a gym or a dock. Ask the manager and the declaration, and do not assume from the neighborhood.

Can you rent out a Palm Bay Estates home?

Not published. The declaration’s leasing article controls, and Florida, Lee County and the City each add licensing and tax rules on top. Read the article before you plan to rent, and ask whether the association has a minimum term.

Are pets allowed at Palm Bay Estates?

Pet rules are not published. The county’s beach accesses nearby do not allow pets. Ask the manager for the pet section of the rules and any registration form before you offer.

What flood zone is Palm Bay Estates in?

FEMA’s map shows Zone AE with a base flood elevation of 11 feet NAVD88 on panel 12071C0651G, effective November 17, 2022, and Lee County’s map shows evacuation Zone A. A lender will require flood insurance on a mortgage in this zone.

Do Palm Bay Estates owners need flood insurance?

A lender will require it for a financed purchase in a special flood hazard area, and a cash buyer should consider it. Cost depends on the home’s elevation, the policy structure and the building’s coverage. Ask an insurance agent to price the exact home.

Has Palm Bay Estates had special assessments?

We found none in public records. Special assessment notices are association documents, so the estoppel certificate, the budget and the minutes are where they would appear. Ask for every notice since 2022 with its stated purpose and payment schedule.

Who manages Palm Bay Estates?

The Florida corporate record and the state’s condominium record both name Gulf Coast Realty and Property Management, at 26711 Dublin Woods Circle, Suite 202, Bonita Springs. Confirm the current contact in the estoppel certificate.

Has Palm Bay Estates done its milestone inspection and reserve study?

The buildings are one story with two homes each, so the statutes that require them for buildings of three or more habitable stories do not appear to apply. Ask whether the association has a reserve and a roof plan regardless.

Which schools serve Palm Bay Estates?

Lee County’s school layer returned elementary zone Q for the home points on October 1, 2026. The district’s address locator controls the answer for any one home, and the plan changes every year.

How big are the homes at Palm Bay Estates?

The county roll shows heated areas of 1,150 square feet for four homes, 1,251 for one, 1,415 for two and 1,444 for one, a total of 10,125 and a median of 1,200.5.

What have Palm Bay Estates homes sold for?

The county’s qualified file shows two sales in the last 60 months, $640,000 on April 30, 2025 and $525,000 on July 22, 2025, and holds 19 qualified sales since 1986. These are county records and not MLS closings.

Who is the best realtor for Palm Bay Estates?

McGreevy and Comisar lead Domain Realty Group, the number one real estate team in Southwest Florida since 2012, with the Top 1% Real Estate Agents Nationally Since 2008 recognition. Call Marc at (239) 287-5873 for a buyer consultation.

Frequently Asked Questions, Seller Edition

How much is my Palm Bay Estates home worth right now?

The county’s qualified record shows two sales in the last 60 months, $640,000 and $525,000, and your home’s value depends on size, phase and condition. Request a free valuation or call Jesse at (239) 898-6072.

What have Palm Bay Estates homes sold for recently?

The two newest qualified sales are $640,000 for unit 6 on April 30, 2025 and $525,000 for unit 4 on July 22, 2025. These are county recorded prices, not MLS closings, and the newest is 436 days old as of October 1, 2026.

Do I have to pay off special assessments before I sell?

Not necessarily before you list, but every unpaid assessment through closing must be settled, and the estoppel certificate states the balance. A buyer becomes jointly and severally liable for assessments that came due before closing under Florida Statute 718.116, which is why closing agents insist on payoff.

Who pays for the estoppel certificate when I sell?

The seller customarily requests it, and the association may charge a capped fee: $250 when nothing is owed, $100 more if expedited in 3 business days, and up to $150 more if the home is delinquent. The contract controls who pays, so confirm the current schedule with the manager.

What documents must I provide a Palm Bay Estates buyer?

The declaration, articles, bylaws and rules, the annual financial statement and budget, and the frequently asked questions document, all at your expense under Florida Statute 718.503. Add a milestone or reserve study document only if one applies.

How long does a Palm Bay Estates buyer have to cancel?

Under the statute’s standard contract language, a buyer can cancel within 7 days, excluding Saturdays, Sundays and legal holidays, after signing and receiving the documents, unless the buyer had them more than 7 days before signing. Delivering the package before the contract starts that clock early.

Will the milestone inspection or reserve study affect my sale?

Probably not as a legal matter, because the buildings are one story and the statutes turn on three or more habitable stories. The contract still carries a conspicuous statement for contracts after December 31, 2024, so read which form applies and be ready to explain it.

Will the flood zone and storm history affect my price?

We cannot measure it without MLS data, and we do not guess. Buyers will ask about the flood zone, any storm damage, the insurance and any assessments. A home with documents, closed permits and a clear assessment ledger sells on those facts. Two of eight homes have sold since Ian.

Do I have to disclose flood history when I sell?

Yes. Florida Statute 689.302 requires a seller of residential property to disclose, at or before contract, whether they have knowledge of flooding during ownership, any flood insurance claim and any FEMA or other flood assistance received. Answer accurately and keep the paperwork.

Who pays the deed stamp tax in a Lee County sale?

The seller customarily pays, and the contract controls. Florida taxes deeds at 70 cents per $100 under Florida Statute 201.02. At $525,000, the price of the newest county-recorded sale, that is $3,675, and at $640,000, the April 2025 price of unit 6, it is $4,480.

Who pays for the owner’s title policy in Lee County?

In Lee County the seller customarily pays for the owner’s title insurance policy and selects the title agent, and the contract controls both. A buyer’s lender will require its own lender’s policy at the buyer’s cost. Ask your title agent for the quote on the specific price.

Do Palm Bay Estates buyers need association approval?

The approval rules are not published. The estoppel certificate must state whether a board approval or right of first refusal applies. Ask for it at the start of the contract period, not the end, because approval time can affect the closing date.

Can my buyer rent the home after closing?

That depends on the declaration’s leasing article, which is not public. Florida, Lee County and the City each add licensing and tax rules on top. We ask for the leasing article before we market to investors, so you know the answer before the first showing.

Does a dock or bay access transfer with my home?

Not published. A dock can be a limited common element assigned to one home, a shared asset or a separate parcel. The deed and the declaration answer it, and a buyer who is promised a dock should see the instrument that conveys it.

How does the 1985 build year affect my listing?

A building from 1985 has had more than four decades of wear. Buyers and lenders will ask for the roof’s age, the windows, the plumbing and any reserve. We gather those facts before we list, because they answer the first question a buyer asks.

Which size sells for the most at Palm Bay Estates?

The record does not rank sizes. A 1,150 square foot home sold for $640,000, or $556.52 per square foot, in April 2025, and a 1,415 square foot home sold for $525,000, or $371.02, in July 2025. Two sales in 60 months cannot set a rule, so we price each home from the nearest like sale.

Do the 2010 and 2011 sales set the value of my home?

No. A $345,000 sale in July 2010 and a $512,000 sale in August 2011 are older than the market a buyer is shopping now. A buyer’s appraiser will look at recent sales of similar homes, and we use the same approach.

Does my phase or building matter to the price?

The county’s legal descriptions split the homes into two recorded phases, units 1 to 4 and units 5 to 8, and the four buildings differ in size. Whether a buyer pays more for a phase is not shown by the record, so we compare each home with the nearest like sale and adjust for condition and orientation.

How should I price my home when the sales are so few?

With two sales in the last 60 months, the nearest comparable may be neighboring associations as much as Palm Bay Estates itself. We compare the home with its own record and with Bay Harbor Club and the other strip neighbors, adjust for size and condition, and give you a range with the reasoning.

How does the small size of the association affect my sale?

Eight homes share every cost, so a buyer looks hard at the reserve, the roof and any pending project. Lenders can also be cautious with small projects. We prepare the documents early and answer those questions before they slow the contract.

How long will my Palm Bay Estates home take to sell?

Information not available at time of publishing (checked 2026-10-01). The median days on market for Palm Bay Estates comes from the Southwest Florida MLS, which was parked on the publication date, and we will not estimate it from the county record. We can give you the current figure for comparable homes when you ask for a valuation.

What is the best time of year to list at Palm Bay Estates?

We have no MLS seasonality data for Palm Bay Estates to show, so we do not claim one. Gulf-coast buyers in Southwest Florida often shop in the winter months, but the right time for your home depends on your documents being ready, and a home that is ready can list when the paperwork is done.

Should I repair or update my home before selling?

Fix what a buyer’s inspector will flag as a safety or insurance issue, and keep receipts and permits for everything. Cosmetic updates depend on your price band. We walk the home with you and rank each repair by what a buyer would pay for it.

Do I need open permits closed before I sell?

You should. An open or expired permit can complicate a buyer’s lender review and an insurer’s inspection, and the City’s EnerGov portal shows permits by address. We search the address before we list and ask you to close out anything open.

How does a special assessment in progress affect my closing?

The estoppel certificate lists the balance and the installment dates, and the contract says who pays installments that fall after closing. A buyer will want the notice, the stated purpose and the payment schedule. We recommend a seller disclose at the first showing and have the notice ready.

Can I sell to an investor who wants to rent short-term?

Only if the declaration allows it. The rental rules are not published, and a license under Florida Statute 509.242 does not override an association’s restriction. A buyer should read the leasing article before offering, and we confirm it with the manager before we market the home to investors.

What does a buyer’s lender look at in a Palm Bay Estates sale?

The lender will look at the association’s budget and reserves, the share of homes that are delinquent, any pending litigation and the master insurance. Where those are not available, some lenders will not approve a loan, which narrows the buyer pool. We confirm early what a lender will ask.

Is the county’s recorded price the same as the MLS price?

Not always. The county records the price in the deed or the documentary stamps, and its qualified-sales file excludes transfers the state does not treat as arm’s length. The MLS reports the closing price entered by the brokerage. They usually agree, and where they do not, we explain why.

How accurate are online home value estimates for Palm Bay Estates?

Treat them as a starting point. An automated estimate cannot see a home’s size, condition or phase, and Palm Bay Estates’ two sales in the last 60 months, $640,000 and $525,000, came from homes of different sizes and did not price in line with size. A comparison with the nearest like sale, with adjustments, is the method an appraiser uses and the one we use.

What does it cost to sell my Palm Bay Estates home?

The main items are the deed stamp tax, the owner’s title policy, the estoppel certificate fee, any brokerage commission, which is negotiated and which we discuss with you directly, prorated assessments and taxes through closing, and any repairs you agree to. We give you a net sheet before you list.

Do I owe capital gains tax when I sell?

It depends on your situation. Federal law allows an exclusion of gain on a primary residence that you owned and used for at least two of the last five years, up to $250,000 for a single filer and $500,000 for a married couple filing jointly, and other situations differ. Ask your tax adviser before you sign.

What if the state’s address for my association does not match the county’s?

The state’s record lists a legacy rural-route address and ZIP 33923, while the county lists 26773 and 26771 Hickory Blvd. We read the state’s address as a legacy field. The legal description and the recorded declaration identify the property, and we confirm them in the document package.

Does the flood zone affect my buyer’s insurance?

Yes. Zone AE puts the buildings in a special flood hazard area, so a buyer’s lender will require flood coverage, and the cost depends on the home’s elevation and the policy structure. A buyer can ask us for the FEMA zone, and an insurance agent can price the exact home.

Can I sell my Palm Bay Estates home from out of state?

Usually yes. Many sellers close by power of attorney or remote notarization, and the title company will tell you which method it accepts. The estoppel, the document package and the showing logistics can be handled without a visit. We coordinate those steps for owners who are not in Florida.

Why should I list Palm Bay Estates with McGreevy and Comisar?

We lead Domain Realty Group, the number one real estate team in Southwest Florida since 2012, and we hold the Top 1% Real Estate Agents Nationally Since 2008 recognition. For Palm Bay Estates we read the county record, FEMA, the state filings and the statutes before we price. Call Jesse at (239) 898-6072 for a conversation.

How do I get a free Palm Bay Estates valuation?

Use our free home valuation form, or call Jesse direct at (239) 898-6072, text or call. Give us your unit number and we will return the nearest recorded comparables, the adjustments and the document gaps that could affect your price.

What We Could Not Verify

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

• Southwest Florida MLS figures. Closed-sale count and median from the MLS, days on market, sale-to-list ratio, active listings, months of supply, our team’s share of Palm Bay Estates transactions, the highest-priced MLS sale and any split by size or phase are unavailable as of October 1, 2026. We will backfill them when the MLS pull is available.
• MLS listing details. The association fee, the list of what it includes and any management contact that a listing might show were not used, because they are listing text and not association documents. Route: the budget and the estoppel certificate.
• Current assessments and what they fund. Not published. Route: the budget and the estoppel certificate from the association manager.
• Special assessments and loans. None found in public. Route: the estoppel certificate, the budget and the minutes.
• The declaration and its amendments. The county roll cites Official Records Book 1796, Page 3175 for Phase 1 and Book 2577, Page 3027 for Phase 2, which we did not pull. Route: the Lee County Clerk of the Circuit Court, or the seller’s package.
• Rules. Rental, pet, approval, transfer and parking rules are not published. Route: the declaration, bylaws and rules under Florida Statute 718.503.
• Amenities, docks and a gate. No public list. Route: the manager and the declaration.
• Insurance. Carrier, limits, deductibles, flood policy and premiums are not published. Route: the manager’s insurance summary.
• Milestone inspection and reserve study status. The buildings appear to fall outside the three-story test, which is our reading of the statutes and the county’s story count, not a determination. Route: the manager and the City’s building official.
• Storm damage at Palm Bay Estates. No building-specific Hurricane Ian, Helene or Milton document is public. Route: the seller’s disclosure and the manager.
• The coastal construction control line side. The state’s 1991 line ends near the property, so we could not tell which side the buildings fall on. Route: the Florida Department of Environmental Protection.
• Zoning district. Not confirmed. Route: the City of Bonita Springs Community Development Department.
• Whether the association has a website or owners-only portal. Florida requires one only for 25 or more units, and we found none. Route: the manager.
• Current status of the Big Hickory Pass Bridge. Not confirmed. Route: Lee County Department of Transportation.
• School assignment. The district locator controls it, and the 2026 to 2027 plan was not read. Route: the district’s school site locator.

Sources and Authoritative References

Every link below was opened and returned a working page when we checked on October 1, 2026. We list primary documents first.

Palm Bay Estates association records and state filings

1. Gulf Coast News Now, condo terminations report: Neighboring Seascape’s turnover as reported.
2. Florida Division of Corporations (Sunbiz): Entity search home for document 761435.
3. Division of Florida Condominiums public records: Project record, units, managing entity and payment history.
4. Lee County Property Appraiser: Parcel roll, heated area, legal descriptions and sale records.
5. Sunbiz record, Palm Bay Estates Condominium Association, Inc.: Filed January 13, 1982, active, reinstated 1990.
6. Sunbiz annual report, April 27, 2026: Agent, mailing address and eight officer and director positions.
7. Sunbiz annual report, April 9, 2025: Same agent and address, prior year.
8. Lee County building footprint layer: Four footprints, stories, units and year built.

Florida statutes and state rules

9. Florida Statute 718.503
10. Florida Statute 718.504 (2025)
11. Florida Statute 718.116
12. Florida Statute 718.501
13. Florida Statute 718.111
14. Florida Statute 201.02
15. Florida Statute 718.112
16. Florida Statute 718.113
17. Florida Statute 718.110
18. Florida Statute 718.303
19. Florida Statute 718.1255
20. Florida Statute 509.242
21. Division of Hotels and Restaurants, vacation rental guide
22. Lee County Clerk, tourist development tax
23. Florida Department of Revenue tourist tax rates
24. U.S. HUD assistance animals
25. Florida Statute 689.302
26. Florida Statute 718.1265
27. Florida Statute 553.899
28. House Bill 913 (2025) bill page
29. Division of Florida Condominiums, inspections
30. House committee analysis of HB 913
31. Final-version summary of HB 913

Flood, storm and insurance sources

32. USGS high-water marks, Hurricane Ian: Surveyed marks near Palm Bay Estates.
33. USGS National Map elevation service: Ground elevation at the home points.
34. National Hurricane Center report, Hurricane Ian: Inundation ranges.
35. FEMA National Flood Hazard Layer: Zone, base flood elevation and panel, queried October 1, 2026.
36. Lee County evacuation zone map: Evacuation and surge zone lookup.
37. City substantial damage and substantial improvement notice: The 50 percent rule and design flood elevation.
38. City ordinance amending Chapter 10, 2022: Definitions, substantial damage and NFIP entry dates.
39. City of Bonita Springs FEMA and CRS page: Class 5 rating maintained, November 21, 2024.
40. FEMA Community Rating System guide: How class ratings translate into discounts.
41. FEMA summary of coverage, condominium building policy: Building limit and coinsurance.
42. Florida Office of Insurance Regulation data reports: Quarterly condominium association premium data.
43. Citizens 2026 rate and rule changes: Rate changes effective July 1, 2026.
44. My Safe Florida Condo program: Wind-mitigation inspections and grants.
45. Lee County evacuation information: Surge zones A through E.
46. National Hurricane Center report, Hurricane Helene: 2024 surge ranges.
47. National Hurricane Center report, Hurricane Milton: 2024 surge ranges.

City, county, schools and daily logistics

48. City rental permit program: City rental permit rules.
49. Lee County Parks, Bonita Beach Accesses 2 through 9: Free parking, pets and fires.
50. Lee County Parks, Bonita Beach Park: Lot status checked October 1, 2026.
51. Lee County Parks, beaches: Beach park index.
52. City of Bonita Springs EnerGov permit portal: Permit search by address.
53. School District of Lee County, school zones: Zone and choice information.
54. Lee County school site locator: Address lookup.
55. School District of Lee County enrollment plan: Choice and proximity zones.
56. Bonita Springs Elementary
57. Pinewoods Elementary
58. San Carlos Park Elementary
59. Spring Creek Elementary
60. Three Oaks Elementary
61. Bonita Springs Middle School
62. Three Oaks Middle School
63. Bonita Springs High School
64. City Hurricane Ian permitting page: Post-storm permitting.
65. City post-storm permitting guide: Permit process after a storm.
66. City of Bonita Springs code of ordinances: Land Development Code on Municode.
67. City Community Development, Planning and Zoning: Zoning and planning resources.
68. Florida DEP coastal construction control line: State coastal construction permitting.
69. Lee County Parks, Bonita Beach Access 1: Lot status checked October 1, 2026.
70. Lee County Parks, Little Hickory Island Park: Lot status checked October 1, 2026.
71. WGCU, parking closures, September 9, 2026: Beach lot closures.
72. Lee County Parks payment system notice: Annual pass and payment system.
73. Lee County DOT, Big Hickory Pass Bridge update: Post-Ian bridge closure.
74. City Hickory Boulevard roundabout item: Contract award, May 20, 2026.
75. WGCU, solid waste seasonal schedule: City collection by county haulers.
76. Lee County Solid Waste: Collection information.
77. Bonita Springs Utilities service area: Water and wastewater service area.
78. LeeTran: Public transit.
79. Florida DEP local government funding request, 2024 to 2025: Bonita Beach nourishment project data.
80. Florida DEP critically eroded beaches report: Little Hickory Island erosion status.
81. WINK News, nourishment contract, September 2024: Contract award.
82. WGCU, Milton impact in Bonita Springs: Erosion after Milton.
83. City sea turtle awareness page: Nesting season dates and lighting guidelines.
84. City turtle nesting data, 2025 season: 187 nests on Little Hickory and Big Hickory Island.

McGreevy and Comisar pages

85. Jesse McGreevy
86. Marc Comisar
87. About McGreevy and Comisar
88. Bonita Beach community page
89. Bonita Springs area page
90. Bay Harbor Club page
91. Free home valuation
92. Buying with McGreevy and Comisar
93. Jesse McGreevy on Google
94. Best real estate agents in Bonita Springs
95. Sea Isles page
96. Bonita Beach and Tennis Club page
97. Seascape page
98. Bonita Beach Club page
99. Casa Bonita page
100. Domain Realty Group

Downloadable Documents

These are the public primary documents behind the association filings and storm sections of this page, hosted by the issuing agency.

Southwest Florida MLS figures were not available at publication (checked 2026-10-01); county recorded sales checked October 1, 2026. McGreevy and Comisar, Best Realtor for Palm Bay Estates. Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.