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What’s Your Estero Cove Home Worth?

What’s Your Estero Cove Home Worth?

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By Jesse McGreevy and Marc Comisar, McGreevy and Comisar, Domain Realty Group. Updated October 2026. Market data from the Southwest Florida MLS (closings through October 7, 2026) and the Lee County Property Appraiser (roll file October 4, 2026).

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

Estero Cove is a 180-unit condominium community in five buildings at 6891, 6893, 6895, 6897 and 6899 Estero Blvd, at the south end of Estero Island in the Town of Fort Myers Beach, and this is our guide to selling a condo there. The five buildings are part of our coverage of Fort Myers Beach. This page covers the sale itself: what the two-bedroom condos here have closed for, how long they took, what a buyer’s lender and insurer will ask for and what you keep after costs.

The Lee County Property Appraiser places every Estero Cove parcel in the Town of Fort Myers Beach taxing district, so the Town, and not unincorporated Lee County, issues the permits and applies the flood rules a buyer will ask about. Estero Cove is not Estero Beach and Tennis Club, the Gulf-front towers 0.4 mile south, nor the Village of Estero inland. The figures below are for 6891 to 6899 Estero Blvd only.

The Southwest Florida MLS records 14 Estero Cove closings in the 24 months to October 7, 2026, at a median of $341,500, from $270,000 to $400,000, with a median of 90.5 days on the market and a median sale of 93.1 percent of the final list price. The last 12 months hold only 9 closings, so 24 months is the shortest window with ten or more and it leads this page. The Lee County recorded-sale series follows separately and is never mixed with it.

How Do I Sell My Estero Cove Condo in Fort Myers Beach in 2026?

To sell an Estero Cove condo in Fort Myers Beach in 2026, price it from the closings in your own floor plan and building, order the estoppel and association documents before the first showing, and plan for negotiation: 13 of the 14 condos that closed in the last 24 months sold below their final list price, at a median 93.1 percent.

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

Estero Cove is unusually uniform. Every one of the 179 unit parcels on the county roll is a two-bedroom, two-bath condo, and the roll carries only three heated areas: 778, 832 and 839 square feet. That sameness helps a seller, because the comparable sales really are comparable, and it also exposes a seller, because a buyer can line your condo up against six active listings of nearly the same plan in a few minutes. The sections below take the record, the pricing method, the documents and the costs in the order an owner meets them.

The four facts that price a condo at Estero Cove

  • Your floor plan and building. The 778 square foot plan is on 119 of the 179 unit parcels and supplied 16 of the 29 closings in five years, so it has the deepest record. The 832 and 839 square foot plans sit on 30 parcels each and have fewer comparable sales.
  • Your documents. A buyer, a lender and an insurer read the budget, the reserve study, any special assessment and the estoppel certificate before they settle on a price for a condo in buildings from 1985 to 1989.
  • Your flood picture. The FEMA flood map indicates Zone AE with a base flood elevation of 11 feet NAVD88 at the six points we tested, and buyers ask what that means for insurance.
  • Your competition. Six condos were active and one pending on October 7, 2026, about 10.3 months of supply at the 24-month pace, and one of the six had been listed 761 days.

Key Takeaways

These are the nine facts about selling an Estero Cove condo in Fort Myers Beach that matter most in October 2026, each drawn from the Southwest Florida MLS, the Lee County Property Appraiser, the association’s state filings or the Florida Statutes, and each explained in the sections below.

  • Fourteen closings in 24 months at a $341,500 median. Prices ran from $270,000 to $400,000, Southwest Florida MLS, to October 7, 2026.
  • Thirteen of the 14 closed below the final list price. The median was 93.1 percent, and the median gap between last list and sold price was about $25,000.
  • The record splits into quick sales and long ones. Five of the 14 sold within 35 days and five took 200 days or more; the median of these 5 quick closings was $385,000 and the median of these 5 long ones was $290,000.
  • Six condos were active and one pending on October 7, 2026. Asking prices ran from $315,000 to $456,789, about 10.3 months of supply.
  • Twenty-five of 27 repeat sales in the county file sold for more than the earlier price. The median change was 26.5 percent, and one 2022 buyer resold in 2026 for $26,000 less.
  • February through May holds 17 of the 29 closings in five years. No closing fell in June, August or December, and the record is too thin to price a month.
  • A sale here is a documents sale. Section 718.503 makes you deliver the declaration, rules, budget and reserve material, and the buyer has 7 days to cancel, or 15 where a milestone summary or reserve study applies.
  • Fees are listing-entered and unverified. The 14 entries on the last 24 months of closings run from $5,880 to $8,220 a year, nine of them at $8,220; the association’s budget and an estoppel certificate govern.
  • A sale costs roughly 4.8 to 7.4 percent of the price on the two net sheets below, depending mostly on commission and whether you offer buyer-agent compensation.

Table of Contents

This seller’s guide to Estero Cove runs from the market record to the pricing method, then the fee, insurance, flood and disclosure questions a condo buyer asks, two net sheets at recorded prices and the questions owners ask us most. Each link below jumps to its section on this page.

The Market and the Record: How Do I Sell My Estero Cove Condo in Fort Myers Beach in 2026? · Why List Your Estero Cove Condo With McGreevy and Comisar? · What Is the Estero Cove Condo Market Doing for Sellers Right Now? · What Did Estero Cove Condos Sell For in the Last 24 Months? · How Long Do Estero Cove Condo Listings Take to Sell, and How Close to List Price? · Have Estero Cove Condo Owners Sold for More Than They Paid? · An Estero Cove Condo Sale Worked Through

Pricing, Fees and Insurance: How Do We Price an Estero Cove Condo in Fort Myers Beach? · What Moves the Price of an Estero Cove Condo, Building by Building and Plan by Plan? · What Fees Will Your Estero Cove Condo Buyer Pay Each Year? · Who Insures an Estero Cove Condo, and What Will a Buyer’s Insurer and Lender Ask?

Documents, Disclosures, Rules and Timing: What Must an Estero Cove Condo Seller Deliver and Disclose Under Florida Law? · What Will Buyers Ask About Flood, Storms and Permits at Estero Cove? · Which Rules Affect an Estero Cove Condo Sale? · When Is the Best Time to Sell on Fort Myers Beach?

Marketing, Negotiation and Your Options: How Do We Market an Estero Cove Condo? · How Do We Negotiate an Estero Cove Condo Contract? · Estero Cove vs Estero Beach and Tennis Club: Which Will Your Condo Buyer Choose? · What Does It Cost to Sell an Estero Cove Condo? · Do I Pay Capital Gains Tax When I Sell My Estero Cove Condo? · Should I List, Sell for Cash or Sell by Owner? · How Do You Get a Free Estero Cove Condo Valuation?

Answers and Local Expertise: What We Could Not Verify About Selling at Estero Cove · What Sellers Say About Working With Us · Frequently Asked Questions, Estero Cove Seller Edition · Why Does a Fort Myers Beach Specialist Matter When You Sell? · Thinking of Selling Your Estero Cove Condo? List With the #1 Team in Southwest Florida Since 2012 · Your Local Real Estate Experts · Sources and Authoritative References · Downloadable Documents

Why List Your Estero Cove Condo With McGreevy and Comisar?

McGreevy and Comisar are a two-partner listing team, ranked Top 1% nationally since 2008 and the #1 team in Southwest Florida since 2012. Estero Cove condo owners call us because we price from the closings in their own floor plan, put the association and statutory documents together before a buyer asks, and negotiate every offer ourselves.

If you are thinking, “I need a listing agent who knows why one Estero Cove condo sold in 13 days and another in the same building took 229,” this is how we work. We lead Domain Realty Group, whose team has sold over $2.5 billion in real estate across 4,000+ transactions, and McGreevy and Comisar alone account for over $900 million in personal sales. Before you interview agents, read our comparison of the best real estate agents in Fort Myers Beach, and read more about McGreevy and Comisar.

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

What RealTrends Verified 2026 reports about our team

RealTrends Verified 2026 lists our team in its Large Team category with 241 transaction sides and $157.57 million in volume, ranked first in Bonita Springs, fifth in Florida by sides and eleventh in Florida by volume. Jesse McGreevy has held his Florida real estate license since November 4, 2004, and Marc Comisar since September 25, 2003, with the brokerage DomainRealty.com LLC, according to the Florida Department of Business and Professional Regulation record we read on October 7, 2026.

A team that read the Estero Cove record sale by sale

We tracked every one of the 29 Estero Cove closings in the Southwest Florida MLS in the last 60 months, and we tracked every one of the 120 county-qualified sales recorded for the five buildings since May 2011. We read all 180 parcels on the county roll, the state corporation and condominium records, and the federal flood layer at six points. That is why our first questions are which building, which plan, and what the unit looks like inside.

Talk to Jesse before you list

If you are weighing a sale, request a free valuation for your Estero Cove condo or call Jesse direct at (239) 898-6072. If you are also looking at a purchase, call Marc at (239) 287-5873 or read our guide to buying a home in Fort Myers Beach.

What Is the Estero Cove Condo Market Doing for Sellers Right Now?

The Estero Cove condo market gives buyers room to negotiate right now: six condos were active and one pending on October 7, 2026, against 14 closings in the last 24 months, about 10.3 months of supply. The median closing was $341,500 at 93.1 percent of the final list price, after a median 90.5 days on the market.

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

The 24-month MLS numbers

The Southwest Florida MLS, pulled October 7, 2026, records 14 Estero Cove closings from October 28, 2024 to July 2, 2026, for $4,770,500 in dollar volume. The median sale was $341,500 and the mean $340,750. Two condos closed at $400,000, the top of the window, on March 28, 2025 and March 9, 2026, and the lowest closing was $270,000 on October 31, 2025. The median price per square foot of MLS living area was $423, from $347 to $513. None of the 14 is a Sold Data Entry record, so each has a real listing history behind it.

The same market over four windows

Twenty-four months leads because the last 12 months hold only 9 closings. We show the 12-month line for completeness and describe its middle only as the median of these 9 closings.

Window Closings Median sale Price range Median price per sq ft Median days on market Median sale-to-final-list
Last 12 months 9 $348,000 (the median of these 9 closings) $270,000 to $400,000 $431 109 92.5%
Last 24 months 14 $341,500 $270,000 to $400,000 $423 90.5 93.1%
Last 36 months 16 $351,500 $270,000 to $510,000 $441 69 92.7%
Last 60 months 29 $387,500 $270,000 to $510,000 $482 22 96.2%

Two samples inside the five years

The 60-month record holds two quite different groups of sales. The 15 closings from November 5, 2021 to February 9, 2024 had a median of $411,000, a median of 6 days on the market and a median sale at 100.0 percent of the final list price, and 8 of the 15 closed at or above list. The 14 closings since October 28, 2024 had a median of $341,500, a median of 90.5 days and a median 93.1 percent, and 1 of the 14 closed at or above list. That is a difference between two samples and not a forecast. It tells a seller that a price remembered from 2022 is not what the last two years of buyers have paid.

Active and pending listings on October 7, 2026

The MLS showed six Estero Cove condos active and one pending. Asking prices on the six ran from $315,000 to $456,789 with a median of $357,450, a median asking price of $449 per square foot, and a median of 163.5 days on the market. A re-check of the MLS on October 29, 2026 found 10 condos active and 1 pending with contingencies, asking $315,000 to $449,000, and no closing since July 2, 2026.

Status Building MLS living area (sq ft) List price Days on market
Active 6899 Estero Blvd 832 $315,000 761
Active 6893 Estero Blvd 778 $349,000 138
Active 6891 Estero Blvd 778 $349,900 189
Active 6893 Estero Blvd 832 $365,000 236
Active 6891 Estero Blvd 839 $414,900 21
Active 6893 Estero Blvd 832 $456,789 79
Pending 6897 Estero Blvd 832 $439,000 24

Three of the six active condos are in the 6893 building, two are at 6891 and one is at 6899. Five of the six asking prices sit above the $341,500 median of the last 24 months of closings, and two sit above $400,000, a price no Estero Cove condo has closed over since February 2024. The pending condo at 6897 Estero Blvd is the same residence that closed for $510,000 on February 9, 2024 after 2 days on the market; its list price when it went under contract was $439,000. A list price is not a sale price.

How much supply that is

At the 24-month pace of 14 closings, six active listings are about 10.3 months of supply, and at the 12-month pace of 9 closings about 8.0 months. Both rest on small counts. The same arithmetic for all of ZIP 33931 gives about 11.5 months: 380 active listings against 397 closings in 12 months.

Estero Cove against the island

In the 12 months to October 7, 2026 the Southwest Florida MLS recorded 397 closings in ZIP 33931 at a median of $510,000. Condominiums, split by joining MLS addresses to the county roll (98 of 2,064 sixty-month closings did not match an address and are excluded from the split), had 238 closings at a median of $425,000, $428 per square foot, 83 days on the market and 94.3 percent of final list. Estero Cove’s 24-month figures sit below that median price and close to that price per square foot. The windows differ, so we read it as position and not as a ranking.

The county series, kept apart

The Lee County Property Appraiser’s qualified-sale file records 15 Estero Cove deeds in the 24 months to October 7, 2026, with a median of $325,000, from $270,000 to $421,000. Over 12, 36 and 60 months the county shows 9 deeds (the median of these 9 was $320,000), 17 at $348,000 and 30 at $386,250. Eleven sales appear in both series inside the 24-month windows, three appear only in the MLS and four appear only in the county file: $275,000 at 6897 Estero Blvd on February 2, 2026, $320,000 at 6895 on January 5, 2026, $351,000 at 6899 on July 31, 2025 and $421,000 at 6891 on March 17, 2025. A deed with no MLS closing behind it was sold off the market or was not captured, and we do not use one as a comparable until we know its terms. We never mix the county series with the MLS series.

What Did Estero Cove Condos Sell For in the Last 24 Months?

Fourteen Estero Cove condos closed between October 28, 2024 and July 2, 2026, at prices from $270,000 to $400,000. The table lists every one, newest first, with the sold and final list prices, the percent of list, the building by street number, the MLS living area, the price per square foot and the days on market. No unit numbers appear.

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

Every closing in the 24-month window

Closed Building Sold price Final list price Percent of final list Days on market MLS living area (sq ft) Price per sq ft
Jul 2, 2026 6899 Estero Blvd $385,000 $409,999 93.9% 8 854 $451
Apr 17, 2026 6895 Estero Blvd $335,000 $350,000 95.7% 35 778 $431
Apr 1, 2026 6897 Estero Blvd $387,500 $419,000 92.5% 13 778 $498
Mar 31, 2026 6897 Estero Blvd $370,000 $395,000 93.7% 109 778 $476
Mar 20, 2026 6893 Estero Blvd $300,000 $324,900 92.3% 22 832 $361
Mar 9, 2026 6895 Estero Blvd $400,000 $410,000 97.6% 114 832 $481
Feb 9, 2026 6893 Estero Blvd $290,000 $315,000 92.1% 264 832 $349
Feb 6, 2026 6897 Estero Blvd $348,000 $450,000 77.3% 200 839 $415
Oct 31, 2025 6897 Estero Blvd $270,000 $319,000 84.6% 229 778 $347
Sep 23, 2025 6897 Estero Blvd $275,000 $299,000 92.0% 200 778 $353
May 19, 2025 6895 Estero Blvd $310,000 $329,900 94.0% 66 839 $369
Mar 28, 2025 6893 Estero Blvd $400,000 $395,000 101.3% 19 780 $513
Feb 25, 2025 6897 Estero Blvd $325,000 $385,000 84.4% 238 832 $391
Oct 28, 2024 6899 Estero Blvd $375,000 $385,000 97.4% 72 778 $482

What the 14 closings show

Six of the 14 closed at $350,000 or more and eight closed below it. Eight of the 14 closed in the first seven months of 2026, seven of them between February 6 and April 17. The one closing above its final list price, $400,000 against $395,000 on March 28, 2025, also carries the highest price per square foot, $513. The widest gap is the February 6, 2026 closing at 6897 Estero Blvd: $348,000 against a final list price of $450,000, 77.3 percent, after 200 days.

The closings by floor plan

Grouped by MLS living area, 6 of the 14 closings were 778 square foot condos, from $270,000 to $387,500, and the median of these 6 closings was $352,500. Six more were the larger 832 and 839 square foot plans, from $290,000 to $400,000, and the median of these 6 closings was $317,500. The other two carry listing-entered areas of 780 and 854 square feet that the county roll does not show for any parcel. In this window the larger plans did not close for more than the smaller one, which says condition, floor and outlook moved prices more than 54 or 61 extra square feet did.

How Long Do Estero Cove Condo Listings Take to Sell, and How Close to List Price?

Estero Cove condos that closed in the last 24 months took a median 90.5 days on the market and sold at a median 93.1 percent of the final list price, about $25,000 below it. Five of the 14 closed within 35 days of listing and five took 200 days or more, and those two groups closed at very different prices.

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

Days on market, with the spread

The 14 closings ran from 8 to 264 days on the market, with a median of 90.5 and a mean of 113.5. Five sold in 35 days or fewer (8, 13, 19, 22 and 35 days), four took between 66 and 114 days, and five took 200 days or more (200, 200, 229, 238 and 264 days). A median of 90.5 describes almost none of them, so we look at the two ends.

What the quick sales and the long sales closed for

Group Closings Sold prices Sale-to-final-list
Sold within 35 days 5 $300,000, $335,000, $385,000, $387,500, $400,000 92.3% to 101.3%
Took 200 days or more 5 $270,000, $275,000, $290,000, $325,000, $348,000 77.3% to 92.1%

The median of these 5 quick closings was $385,000 at 93.9 percent of the final list price. The median of these 5 long closings was $290,000 at 84.6 percent. Four of the five long sales were in the 6897 building and one was at 6893. Five closings a side cannot prove that time on the market lowers a price, because a condo that needs work both sits longer and sells for less. They do show that no condo that sat 200 days in this window closed above $348,000, and that the quick sales were not the cheap ones.

Sale-to-final-list ratio

Across all 14 the ratio ran from 77.3 to 101.3 percent, with a median of 93.1 and a mean of 92.1, and the gap between final list and sold price ran from $5,000 over list to $102,000 under it. The ratio is measured against the final list price, so a listing reduced several times looks closer to its price than it was. Days on market are the check.

What the pattern means for your list price

Three of the six active listings on October 7, 2026 had been on the market 189 days or more, and the longest had reached 761. The closing record says a condo here either meets its buyer in the first month or begins a long wait that has ended, each time in this window, below $350,000. We set the first price where the last two years of closings support it.

Have Estero Cove Condo Owners Sold for More Than They Paid?

Most Estero Cove condo owners who resold did sell for more than they paid: 25 of the 27 repeat sales in the county file show a higher second price, a median change of 26.5 percent, or $55,000, after a median hold of about 4.3 years. One condo bought in January 2022 resold in June 2026 for $26,000 less.

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

How we found the repeat sales

The county file holds 120 qualified sales at Estero Cove from May 20, 2011 to June 18, 2026, across 93 different condos. We matched sales of the same condo by its address in the file and found 27 pairs in which a condo sold, then sold again. The table gives the building, the dates and the prices, and never the unit.

The 27 repeat sales, newest first

Building Bought Price Resold Price Change
6899 Estero Blvd Jan 25, 2022 $411,000 Jun 18, 2026 $385,000 -6.3%
6897 Estero Blvd Apr 22, 2014 $251,250 Apr 1, 2026 $387,500 +54.2%
6897 Estero Blvd Apr 10, 2021 $365,000 Mar 31, 2026 $370,000 +1.4%
6893 Estero Blvd Jan 10, 2017 $243,000 Feb 9, 2026 $290,000 +19.3%
6895 Estero Blvd Apr 9, 2015 $232,500 May 19, 2025 $310,000 +33.3%
6899 Estero Blvd Dec 28, 2012 $170,000 Aug 25, 2023 $460,000 +170.6%
6891 Estero Blvd Sep 24, 2019 $270,000 Jul 8, 2022 $475,000 +75.9%
6895 Estero Blvd Mar 23, 2022 $406,000 May 10, 2022 $460,000 +13.3%
6895 Estero Blvd Mar 17, 2020 $188,000 Mar 23, 2022 $406,000 +116.0%
6893 Estero Blvd Jun 4, 2018 $215,000 Nov 4, 2021 $399,000 +85.6%
6895 Estero Blvd Jul 26, 2012 $205,000 Oct 5, 2021 $384,200 +87.4%
6895 Estero Blvd Sep 23, 2015 $259,000 Aug 13, 2021 $355,000 +37.1%
6893 Estero Blvd May 1, 2019 $240,000 Jun 23, 2021 $294,500 +22.7%
6891 Estero Blvd Oct 23, 2015 $217,500 Jun 11, 2021 $375,000 +72.4%
6891 Estero Blvd Mar 30, 2015 $218,900 Apr 30, 2021 $324,000 +48.0%
6895 Estero Blvd Nov 5, 2012 $239,500 Feb 23, 2021 $329,000 +37.4%
6891 Estero Blvd Apr 21, 2020 $245,000 Sep 16, 2020 $319,000 +30.2%
6897 Estero Blvd Apr 4, 2017 $245,000 Jul 22, 2020 $310,000 +26.5%
6899 Estero Blvd Jul 10, 2015 $212,250 Oct 25, 2019 $256,000 +20.6%
6897 Estero Blvd May 13, 2015 $220,000 Dec 6, 2018 $275,000 +25.0%
6899 Estero Blvd Nov 6, 2013 $233,000 Apr 11, 2018 $275,000 +18.0%
6891 Estero Blvd May 20, 2011 $234,000 Aug 15, 2017 $288,000 +23.1%
6899 Estero Blvd Aug 8, 2014 $200,000 Sep 1, 2016 $253,000 +26.5%
6893 Estero Blvd Jan 14, 2016 $237,500 May 2, 2016 $235,000 -1.1%
6893 Estero Blvd Dec 22, 2014 $259,000 Dec 29, 2015 $270,000 +4.2%
6893 Estero Blvd Oct 1, 2011 $230,000 Dec 22, 2014 $259,000 +12.6%
6899 Estero Blvd May 27, 2011 $185,000 Nov 6, 2013 $233,000 +25.9%

What the most recent resales show

Five of the 27 pairs resold in the last 24 months. Four sold for more than the earlier price, by 1.4, 19.3, 33.3 and 54.2 percent, after holds of 5.0 to 11.9 years. The fifth, bought for $411,000 on January 25, 2022, resold for $385,000 on June 18, 2026.

Reading the pairs honestly

Twenty-two of the 27 first purchases date from 2011 to 2019, when recorded prices here ran from $170,000 to $270,000, so the long holds show large changes partly because they started early. The pairs do not subtract renovation, assessments, fees, commissions or taxes. Three pairs were held less than a year, which the file does not explain. We give the count, 25 of 27, and the median, and we make no forecast.

An Estero Cove Condo Sale Worked Through

This example is an Estero Cove condo at 6897 Estero Blvd that closed on April 1, 2026 for $387,500, after 13 days on the market and a final list price of $419,000. It is a public-record closing from the Southwest Florida MLS, chosen because the same building and plan produced much lower prices months earlier.

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

The numbers

The condo is a two-bedroom, two-bath residence with 778 square feet of MLS living area, the most common plan in the community. It closed at 92.5 percent of its final list price, $31,500 under it, and at $498 per square foot, the second highest figure in the 24-month window. Against the building-wide record, that is $46,000 above the $341,500 median, and 13 days against a median of 90.5.

The same condo in the county record

The Lee County file shows an earlier qualified sale of the same residence on April 22, 2014 for $251,250. The April 2026 price is $136,250 above that, a change of 54.2 percent across 11.9 years of ownership. That is a gross difference between two recorded prices. It leaves out twelve years of association fees, taxes, insurance and whatever the owner spent inside the unit.

Same building, same plan, different results

Three other 778 square foot condos in the 6897 building closed in the six months or so before it: $370,000 on March 31, 2026 after 109 days, $270,000 on October 31, 2025 after 229 days and $275,000 on September 23, 2025 after 200 days. Four condos with the same recorded plan in the same 1989 building closed $117,500 apart. Nothing in the MLS grid or the county roll explains that. Floor, outlook, renovation, furnishings and the first list price are where the explanation sits, and those are what a listing has to show.

How Do We Price an Estero Cove Condo in Fort Myers Beach?

We price an Estero Cove condo from the closings in its own floor plan and building, adjust for floor, outlook, condition and documents, and then test the number against the six condos for sale today. The 24-month median of $341,500 is the reference for the community as a whole and is never the price of one unit.

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

Step 1: Start with your plan, then your building

The county roll gives every Estero Cove condo one of three heated areas. We pull the closings for your plan first, because a 778 square foot condo has 16 closings in five years to compare with and an 839 square foot condo has 2. Then we narrow to your building, since the five were finished in five different years from 1985 to 1989.

Step 2: Adjust for what the record cannot see

Neither the MLS grid nor the county roll records the floor, the outlook, the renovation, the furnishings or the terms, so we ask you for them, walk the condo and photograph it. This step carries real weight here, because four condos of the same plan in the 6897 building closed $117,500 apart.

Step 3: Test it against the documents and the competition

A buyer’s lender and insurer will read the budget, the reserve study and the estoppel certificate, so we read them first. Then we set the price against the six active listings, which ran from $315,000 to $456,789 with a median asking price of $357,450, and the pending condo listed at $439,000.

Step 4: Check the county’s just value, and set it aside

The Property Appraiser’s just value for the 179 unit parcels runs from $264,090 to $312,033 with a median of $276,767, which is 81.0 percent of the 24-month median sale. Just value is an assessment figure set each year under Florida law. It is useful for the tax proration on your net sheet and for nothing else in pricing. As Top 1% Real Estate Agents Nationally Since 2008, we price from closings, and we show you each one we used.

What Moves the Price of an Estero Cove Condo, Building by Building and Plan by Plan?

The price of an Estero Cove condo moves with its plan, building, floor, outlook, condition and furnishings, with the association’s budget and any assessment, and with what flood and wind insurance cost a buyer. The public record shows only the plan and the building, so the rest is for your listing to document.

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

Bay side of the boulevard, with the Gulf across the road

We could not confirm from a recorded document which side of Estero Blvd the buildings stand on. The county roll’s land-is-on field reads LAKE for all 180 parcels, a county classification and not a waterfront claim, and our reading of the roll’s coordinates places the buildings on the bay side of the road. The flood map reads Zone AE here and Zone VE at the Gulf-front towers 0.4 mile south, which fits that reading. The roll shows no dock and no seawall. A listing should describe the outlook a buyer will see and should not borrow the word Gulf-front.

The five buildings and their years

Building Unit parcels Year built (county) MLS closings, 60 months Price range, 60 months MLS closings, 24 months
6891 Estero Blvd 35 1985 3 $380,000 to $475,000 0
6893 Estero Blvd 36 1987 4 $290,000 to $400,000 3
6895 Estero Blvd 36 1986 6 $310,000 to $460,000 3
6897 Estero Blvd 36 1989 9 $270,000 to $510,000 6
6899 Estero Blvd 36 1988 7 $375,000 to $461,000 2

The 6897 building has traded most often, 9 of the 29 closings, and it holds both the highest and the lowest price in five years. The 6891 building has traded least, with 3 closings in five years and none in the last 24 months, although two of the six active listings on October 7, 2026 were there. Two condos, one at 6899 and one at 6895, closed twice inside the 60 months, so 29 closings are 27 different residences.

The three plans

The roll records 778 square feet on 119 unit parcels, 832 on 30 and 839 on 30, and every unit is two bedrooms and two baths. Over 60 months the 778 square foot plan closed 16 times, from $270,000 to $460,000, and the 832 square foot plan 8 times, from $290,000 to $510,000. The MLS also carries living areas of 780 and 854 square feet on three closings, which no parcel on the roll shows. When a listing agent’s area and the county’s differ, we state both and let the buyer’s appraiser measure.

Floor and outlook

The county’s story field reads 3, 4 or 6 on different parcels inside the same building, and the MLS building-design field reads Mid Rise (4 to 7 stories) on 28 of the 29 closings. Neither ties a sale to a floor, so the record cannot split prices by floor or outlook. Buyers notice both first, and we price them from a walk-through.

Condition and what the record says about Hurricane Ian

The county roll counts no Estero Cove parcel built in 2023 or later and does not record repairs. A condo renovated after September 2022 sells on the renovation, the permits behind it and the association’s approval of the work, and we ask you for all three before the listing goes live.

Parking, registration and what the association publishes

The association’s public page says owners may park one car under one building, first come, first served, with other parking outside, and that owners, guests and renters register at the management office on arrival. It publishes nothing on pets, minimum lease terms or amenities, so we get any rule that could move a buyer’s decision in writing from the manager.

What Fees Will Your Estero Cove Condo Buyer Pay Each Year?

Listing-entered annual recurring fees on 29 Estero Cove closings ranged from $4,560 to $8,220 with a median of $5,880, and the 14 entries on the last 24 months of closings ran from $5,880 to $8,220. These are listing-agent entries and are not verified. The association’s current budget and an estoppel certificate govern what your buyer pays.

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

What the listing entries show

The 29 entries fall on six values: $4,560 three times, $5,100 eight times, $5,880 four times, $6,780 once, $7,500 four times and $8,220 nine times. By year of closing they read $4,560 on both 2021 closings; $5,100 on seven and $4,560 on one in 2022; $5,880 on three and $5,100 on one in 2023; $6,780 and $5,880 in 2024; $8,220 on all five in 2025; and $8,220 on four and $7,500 on four in 2026. We report these as what agents typed when each condo was listed. We do not say the association changed its assessment on any date or by any amount, because the association’s budget is not published and an entry can reflect a different period.

What the entries do not say

The association has not published what its assessment pays for, how much goes to reserves or whether a special assessment is in force, so this page states none of those. The MLS master association fee field reads $0 on all 29 entries, which fits a single association. The declaration, the budget and the estoppel certificate decide.

One-time fees the buyer meets

Listing agents entered an application fee of $100 to $150 on 24 of the 29 closings and left it blank on five. No transfer fee was entered on any closing. We print no estoppel figure, because Florida caps that charge by statute and the association’s current schedule governs.

What a buyer adds to the fee

At $348,000, a recorded closing price, and the 2026 applied millage of 13.3108 for the Town of Fort Myers Beach district (13.4329 in 2025; Lee County Property Appraiser book printed October 9, 2026), property tax before exemptions and non-ad valorem charges is $4,632.16 a year. Added to the most common recent fee entry of $8,220, that is about $12,852 a year, or roughly $1,071 a month, before insurance and utilities. That is arithmetic from listing entries and the 2026 rate, and it is not a quote.

Who Insures an Estero Cove Condo, and What Will a Buyer’s Insurer and Lender Ask?

An Estero Cove condo is insured on two layers: the association’s master policy insures the buildings and is paid from the assessment, and each owner carries a unit owner’s policy for the interior and contents. A buyer’s insurer will ask about wind and flood, and a buyer’s lender will review the association itself.

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

The association’s master policy

The master policy insures the five buildings, and its premium reaches each owner through the assessment. We found no premium, deductible or renewal date from a primary source and publish none. Ask the manager for the declarations page and the deductible rule, because a buyer’s insurer will ask who pays the deductible after a storm.

The unit owner’s policy and Citizens

Citizens Property Insurance requires flood coverage alongside its wind policies on a phased schedule, and under Florida Statutes 627.351 and 627.715 that requirement does not reach policies written on a condominium unit owner’s form. A buyer should still price flood cover for the unit, because every point we tested at Estero Cove sits in a Special Flood Hazard Area.

Flood insurance routes

A buyer can insure through the National Flood Insurance Program, a private flood policy or both. The Town of Fort Myers Beach holds Community Rating System Class 5, a 25 percent discount on federal flood policies, effective April 1, 2026; the Town had lost an earlier discount in a November 2024 cycle. Under Risk Rating 2.0, FEMA caps most annual premium increases at 18 percent. On the wind side, Florida’s mitigation verification form, OIR-B1-1802, was revised effective April 1, 2026, and a current form for the building can lower a buyer’s premium. We quote no premium, and none is published for Estero Cove.

What a lender asks about the association

A lender financing a condominium usually reviews the budget, reserves, master insurance, litigation and owner-occupancy before approving a loan, and on 1985 to 1989 buildings may ask for the milestone summary and reserve study. We know no one lender’s rules. We hand over the documents the day they are requested, because that is where a financed condo sale most often slows.

What Must an Estero Cove Condo Seller Deliver and Disclose Under Florida Law?

Under Florida Statute 718.503 an Estero Cove condo seller gives a resale buyer the declaration, bylaws, rules, budget and financial information and the state’s questions-and-answers sheet, and the buyer may cancel within 7 days, or 15 where a milestone summary or reserve study applies. Statute 689.302 adds a flood disclosure.

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

The resale package under Section 718.503

Estero Cove is a condominium under chapter 718, governed by Estero Cove Condominium Association, Inc., so chapter 720, the homeowners association act, does not apply to your sale. A resale seller gives the buyer the declaration, articles, bylaws and rules, the most recent annual financial information and budget, the milestone inspection summary where one applies, the most recent structural integrity reserve study or a statement that none has been completed, and the state’s frequently asked questions document. The buyer may cancel within 7 days, not counting weekends and legal holidays, after receiving them, and within 15 days where a milestone inspection summary, a turnover inspection report or a structural integrity reserve study applies.

Where the declaration is recorded

The county roll’s legal descriptions cite the declaration at Lee County Official Records Book 1765, Page 2993, on 178 of the 180 parcels; the other two look like typing slips of the same citation. It is the source for leasing, pet, alteration and approval rules, and an owner can request the association’s official records under Section 718.111.

The seller flood disclosure under Section 689.302

Since October 1, 2024, a seller of residential property gives the buyer a flood disclosure at or before the contract, covering flood insurance claims and federal flood assistance on the property. Answer from your own records. Because the flood map indicates Zone AE at the tested addresses, the buyer’s lender and insurer will ask about the building’s flood history as well.

The property tax disclosure and the common-law duty

Section 689.261 requires a property tax disclosure summary at or before the contract. Separately, the Florida Supreme Court held in Johnson v. Davis that a seller who knows of facts materially affecting value that are not readily observable must disclose them, and an as-is clause does not remove that duty.

The estoppel certificate

The estoppel certificate states what the unit owes the association and whether any assessment is due or levied. Florida caps the fee by statute, so we print no dollar figure, and the certificate is valid for 30 days, or 35 if delivered electronically. Order it when you list. With listing entries that run from $4,560 to $8,220 over five years, it is the one document that gives a buyer the current number.

Milestone inspection and structural integrity reserve study dates

By the county’s years built, the five buildings reached 30 years between 2015 and 2019. Florida Statute 553.899 requires a milestone inspection of a condominium building of three or more habitable stories at 30 years, and a building that had reached 30 years before July 1, 2022 was to complete its first inspection before December 31, 2024. Statute 718.112 requires a structural integrity reserve study for such buildings, due by December 31, 2025. We computed those dates from the county’s year built and story fields. We state no status for any building, and the association’s records and the Florida DBPR reporting database are where a buyer checks.

What Will Buyers Ask About Flood, Storms and Permits at Estero Cove?

Buyers will ask about the flood zone, elevation, storm history and rebuilding rules at Estero Cove, and the record answers most of it: the FEMA flood map indicates Zone AE with a base flood elevation of 11 feet NAVD88 at the six points we tested, in evacuation zone A. Hurricane Ian put 10 to 15 feet of surge above ground on Estero Island in 2022.

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

Flood zone by address

We queried the federal flood layer on October 7, 2026 at the five street numbers and at the center of the roll’s parcel coordinates, and all six points returned the same reading. The FEMA flood map indicates the following at these addresses. It is a map reading; an elevation certificate or a lender’s flood determination settles a specific unit.

Point tested FEMA zone Base flood elevation Flood map panel Panel effective
6891 Estero Blvd AE 11 ft NAVD88 12071C0567G November 17, 2022
6893 Estero Blvd AE 11 ft NAVD88 12071C0567G November 17, 2022
6895 Estero Blvd AE 11 ft NAVD88 12071C0567G November 17, 2022
6897 Estero Blvd AE 11 ft NAVD88 12071C0567G November 17, 2022
6899 Estero Blvd AE 11 ft NAVD88 12071C0567G November 17, 2022

What the storm record says

The National Hurricane Center puts Hurricane Ian’s surge on September 28, 2022 at 10 to 15 feet above ground on Fort Myers Beach and Estero Island. U.S. Geological Survey high-water marks on the island run from 10.5 to 13.8 feet NAVD88, the six marks within one kilometer of Estero Cove read 11.6 to 12.3 feet, and the Florida Department of Environmental Protection recorded 13.23 feet at the pier. For Helene and Milton in 2024 the National Weather Service puts coastal Lee County water levels at 2 to 5 feet and 3 to 6 feet above mean higher high water. Those are measurements of water, not of any floor or any damage, and we found no document describing how these buildings fared.

The 50 percent rule and freeboard

The Town of Fort Myers Beach requires new or substantially improved buildings to stand at the base flood elevation plus one foot, 12 feet here, and applies its 50 percent substantial-improvement test per building. The Town’s page states a five-year look-back on permits, and the code text we read is silent on it. A buyer planning a renovation should ask the Town’s floodplain office.

Permits, sea turtle lighting and the coastal line

The Town issues permits here, and work inside a unit also needs the association’s approval. From May 1 to October 31 the Town’s sea turtle lighting rules apply near the beach, including window glass at 45 percent light transmittance or less. We did not confirm whether any building is seaward of the state’s coastal construction control line. The Coastal Barrier Resources System layer returned no unit at the points we tested.

Which Rules Affect an Estero Cove Condo Sale?

Four layers of rules affect an Estero Cove condo sale: chapter 718 of the Florida Statutes, the declaration recorded at Official Records Book 1765, Page 2993, the association’s current rules, and the Town of Fort Myers Beach code. The association’s leasing, pet and approval rules are not published online, so a seller has to obtain them.

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

Rentals

The association’s public page says owners can advertise their units on the community’s rental page and that realtors also handle rentals. It states no minimum lease term, lease limit or tenant approval step; the declaration and current rules govern those. A unit used as a short-term vacation rental registers with the Town under Ordinance 18-01, within the limits Statute 509.032 places on local regulation. We searched the 36 entries on the Town’s 2026 condominium opt-out list on October 7, 2026 for Estero Cove and each street number and found no match, which says nothing about the association’s own rules.

The Town’s minimum-stay table

Section 34-2391 of the Town’s land development code sets minimum rental periods in some districts, with exceptions. We did not confirm which row applies to these five buildings, so we state no stay length. A buyer underwriting rental income should get the answer in writing from the Town’s zoning staff and the association.

Pets

Pet rules are not published, and the association’s page does not mention pets. The declaration and current rules govern, and a listing that says pets are allowed without the limits behind it invites a dispute during the cancellation window.

Approvals on transfer

Application fees of $100 to $150 on 24 closings suggest that sales go through an association application. Whether there is an interview or a right of first refusal is in the declaration and rules. Ask the manager how long approval has taken lately, because that sets the earliest realistic closing date.

When Is the Best Time to Sell on Fort Myers Beach?

The Southwest Florida MLS record shows Estero Cove condos closing mostly in late winter and spring: 17 of the 29 closings in five years fell from February through May, and none fell in June, August or December. Twenty-nine closings are too few to say a month brings a better price on Fort Myers Beach, so list when the unit and documents are ready.

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

Closings by calendar month, five years

Month Closings, last 60 months
January 2
February 5
March 6
April 2
May 4
June 0
July 2
August 0
September 3
October 2
November 3
December 0
All months 29

What the pattern does and does not show

February and March hold 11 of the 29 closings, and 7 of the 14 in the last 24 months. A closing follows its contract by several weeks, so those sales were mostly agreed in January, February and early March, when the island is fullest. The count says when sales closed and not when they were best priced, and with two or three closings in most months we cannot conclude anything about price by month.

The island’s winter season

The Census Bureau’s 2020 to 2024 American Community Survey counts 71.4 percent of the Town’s 9,886 housing units as vacant on survey day, including 4,753 held for seasonal use. Many likely buyers are on the island only in winter, so a listing that is photographed and documented before they arrive is ready when they can walk through it. That is a planning point and not a price claim.

How Do We Market an Estero Cove Condo?

We market an Estero Cove condo by entering it in the Southwest Florida MLS with the correct plan, building and documents, photographing the floor, outlook and finishes that the public record cannot show, and answering the fee, flood and insurance questions inside the listing package. With six near-identical plans for sale, presentation carries the price.

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

Reaching buyers

We list in the Southwest Florida MLS, where every buyer’s agent working the island searches, and we promote the listing to our own buyers and through our local guides. Our Fort Myers Beach seller guide covers selling anywhere on the island.

Buyer-agent compensation after the NAR settlement

Since August 17, 2024, offers of buyer-agent compensation cannot be advertised in the MLS, and a buyer’s agent works under a written agreement before touring. Commissions are negotiable. A seller may offer to pay or contribute toward the buyer’s agent off the MLS and may offer concessions on it, and we set the options out in writing before you sign.

How Do We Negotiate an Estero Cove Condo Contract?

We negotiate an Estero Cove condo contract against the record: 13 of the 14 condos that closed in the last 24 months sold below their final list price, at a median 93.1 percent, so an offer under list is the normal opening here. We then keep the lender, the association and the cancellation window moving to a closing.

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

Answering a low offer with closings

A buyer’s agent will cite the $270,000 and $275,000 closings at 6897 Estero Blvd. We answer with the days those condos sat, 229 and 200, and with the $370,000 and $387,500 closings of the same plan in the same building months later. The record supports more than one price for the same plan, and the negotiation is about which group your condo belongs in.

Estero Cove vs Estero Beach and Tennis Club: Which Will Your Condo Buyer Choose?

A buyer weighing an Estero Cove condo against Estero Beach and Tennis Club, 0.4 mile south at 7300 to 7360 Estero Blvd, is comparing a two-bedroom condo on the bay side of the road with a studio or one-bedroom in a Gulf-front tower. The 24-month medians are $341,500 and $423,000, and your price has to make sense beside both.

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

The two communities side by side

Estero Beach and Tennis Club is three towers with 296 condos, built 1979 to 1982, that the county codes as Gulf land. If you also own there, our Estero Beach and Tennis Club seller page gives the same analysis for those towers. Every figure below comes from the same October 7, 2026 pull and the same county roll file.

Measure Estero Cove Estero Beach and Tennis Club
Address 6891 to 6899 Estero Blvd 7300, 7330 and 7360 Estero Blvd
Built (county) 1985 to 1989 1979 to 1982
Condos 180 in five buildings 296 in three towers
County stories (maximum) 6 13
Setting Bay side of the road on our reading; county code LAKE County code GULF
Typical MLS condo Two bedrooms, two baths, 778 to 839 sq ft on the roll Studio or one bedroom
MLS closings, 24 months 14, median $341,500 29, median $423,000
MLS price range, 24 months $270,000 to $400,000 $285,000 to $486,500
Median sale-to-final-list, 24 months 93.1% 94.9%
Median days on market, 24 months 90.5 114
Active and pending, October 7, 2026 6 active, 1 pending 17 active, 0 pending
Active list price range $315,000 to $456,789 $355,000 to $519,000
Months of supply at the 24-month pace About 10.3 About 14.1
County-qualified sales, 24 months 15, median $325,000 34, median $425,000
Listing-entered annual fees, 60 months (not verified) $4,560 to $8,220 on 29 closings, median $5,880 $4,200 to $14,079 on 81 closings, median $7,756
FEMA zone at tested addresses AE, 11 ft NAVD88 VE, 13 ft NAVD88
Town short-term rental opt-out list No entry Listed; registration column read No

Both the MLS and the county roll carry the same 517 square feet for every Estero Beach and Tennis Club unit, so we do not set the two communities side by side on price per square foot. The fee row compares listing entries from different sets of sales and is verified for neither.

Who chooses which, and what it means for your price

A buyer picks Estero Cove for a second bedroom and bath at a 24-month median $81,500 lower, in five mid-rise buildings mapped AE in place of VE. A buyer picks Estero Beach and Tennis Club for a Gulf-front tower and accepts a smaller unit and a higher price. For an Estero Cove seller the useful fact is the overlap: the top of our range, $400,000, sits inside theirs, and their lowest active listing was $355,000. A two-bedroom priced above $400,000 here asks a buyer to pass up the Gulf for it, and the listing has to say why.

Other condominiums your buyer may also see

A buyer in this part of the island may also compare Leonardo Arms (24 months: 11 closings, median $424,000), Sandarac (24 months: 15 closings, median $650,000), Lovers Key Beach Club (12 months: 10 closings, median $362,500) and Hibiscus Pointe (12 months: 12 closings, median $375,000). We compare medians only where the window matches: over the same 24 months Estero Cove closed below both Leonardo Arms and Sandarac.

What Does It Cost to Sell an Estero Cove Condo?

Selling an Estero Cove condo costs roughly 4.8 to 7.4 percent of the price on the two net sheets below, at $348,000 and $400,000, depending mainly on commission and whether you offer buyer-agent compensation. In Lee County the seller customarily pays the owner’s title policy and the deed’s documentary stamp tax of $0.70 per $100, and the contract controls.

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

Who customarily pays what in Lee County

Florida law does not assign closing costs, and the purchase contract controls. The customary Lee County split is below.

Line item Customarily paid by Basis
Listing commission Seller Negotiated; no set rate
Buyer-agent compensation Seller, if offered Optional, offered off the MLS
Deed documentary stamp tax Seller $0.70 per $100, Florida Statute 201.02
Owner’s title insurance policy Seller (Lee County custom) State-promulgated premium
Association estoppel certificate Seller Capped by statute; ask the association
Property tax proration Credit from seller to buyer Seller’s days of ownership over 365
Lender’s title policy, loan charges and recording Buyer Buyer’s financing and deed recording

Net sheet at $348,000, a recorded closing price

Item Estimate Basis
Sale price $348,000 Southwest Florida MLS closing, February 6, 2026
Listing commission (example 2.75%) -$9,570 Negotiated; 2.75% x $348,000
Buyer-agent compensation, if offered (example 2.5%) -$8,700 Optional; 2.5% x $348,000
Deed documentary stamp tax -$2,436.00 3,480 units x $0.70
Owner’s title insurance premium (Lee County custom, seller) -$1,815.00 $5.75 per $1,000 on the first $100,000, $5.00 per $1,000 above
Title search, settlement fee and municipal lien search (estimate) -$1,375 About $1,200 for search and closing plus $175 for the lien search
Property tax proration (estimate) -$1,817 180/365 of $276,767 x 13.3108 mills, before exemptions and discount
Estimated total seller costs -$25,713 7.4% of the price with a buyer-agent offer
Estimated net to seller before any mortgage payoff $322,287 Price less the total; the estoppel fee is not included
Without a buyer-agent offer: total costs -$17,013 4.9% of the price
Without a buyer-agent offer: net $330,987 Before any mortgage payoff

Net sheet at $400,000, the highest closing price in the last 24 months

Item Estimate Basis
Sale price $400,000 Southwest Florida MLS closings, March 28, 2025 and March 9, 2026
Listing commission (example 2.75%) -$11,000 Negotiated; 2.75% x $400,000
Buyer-agent compensation, if offered (example 2.5%) -$10,000 Optional; 2.5% x $400,000
Deed documentary stamp tax -$2,800.00 4,000 units x $0.70
Owner’s title insurance premium (Lee County custom, seller) -$2,075.00 $5.75 per $1,000 on the first $100,000, $5.00 per $1,000 above
Title search, settlement fee and municipal lien search (estimate) -$1,375 About $1,200 for search and closing plus $175 for the lien search
Property tax proration (estimate) -$1,817 180/365 of $276,767 x 13.3108 mills, before exemptions and discount
Estimated total seller costs -$29,067 7.3% of the price with a buyer-agent offer
Estimated net to seller before any mortgage payoff $370,933 Price less the total; the estoppel fee is not included
Without a buyer-agent offer: total costs -$19,067 4.8% of the price
Without a buyer-agent offer: net $380,933 Before any mortgage payoff

How to read the two net sheets

The commission lines are examples and both are negotiable. The documentary stamp tax is the price divided by 100, rounded up, times $0.70, and the title premium follows the state schedule. The estoppel fee is capped by statute and left out of the totals, so add the association’s figure. The tax proration uses the county’s median just value of $276,767 at the 2026 Town district millage of 13.3108 for 180 of 365 days as an illustration. Any mortgage payoff comes out of the net.

Do I Pay Capital Gains Tax When I Sell My Estero Cove Condo?

Whether you owe capital gains tax on an Estero Cove condo depends on your basis, how long you owned it, whether it was your main home and where you are resident, so we cannot answer for you. Florida has no state personal income tax, federal tax can apply, and a CPA should run your numbers before you list.

The main-home exclusion

Under IRS Topic 701, a seller who owned and lived in the home as a main home for at least two of the five years before the sale can exclude up to $250,000 of gain, or up to $500,000 for most married couples filing jointly. A winter home or a rental does not qualify unless it meets the ownership and use tests.

Basis and the repeat-sale record

Gain is the sale price less selling costs and your basis, which is the purchase price plus capital improvements, so the repeat-sale price differences above are not taxable gain. A foreign seller may face federal withholding under the Foreign Investment in Real Property Tax Act, taken at closing, so raise it with the title agent early.

Should I List, Sell for Cash or Sell by Owner?

For most Estero Cove condo owners a full MLS listing gives the highest price the market will test, a cash offer trades price for speed, and a sale by owner saves the listing commission but leaves you the chapter 718 documents, the disclosures and the negotiation. The right route depends on your timeline and the unit’s condition.

The three routes compared

Route Price outcome What it costs Main risk Best when
Full MLS listing Tested by the open market Commission, stamp tax, title and prorations A price above the last 24 months of closings sits The condo shows well and you have a few months
Cash or investor offer Usually below a well-priced listing Fewer steps, lower price The discount can exceed the commission saved The condo needs work or you need certainty
Sale by owner Untested unless you already have a buyer No listing commission; your own disclosures A missed Section 718.503 or 689.302 duty A known buyer and a lawyer’s review

How Do You Get a Free Estero Cove Condo Valuation?

You get a free Estero Cove condo valuation by requesting one online or calling Jesse direct at (239) 898-6072. We send a value built from the closings in your plan and building, adjusted for floor, outlook, condition and documents, with a net sheet at that price, and there is no obligation to list.

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

What a McGreevy and Comisar valuation includes

McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008 and the #1 Team in Southwest Florida since 2012, prepare every valuation personally: the closings we priced from, the four windows, the six competing listings, the document list your buyer will ask for and a net sheet at the price the record supports.

How to reach us today

Get your free Estero Cove condo valuation, built from recent closings of your plan and not a ZIP-wide estimate, or call Jesse direct at (239) 898-6072. Confidential conversations are welcome. If you are also buying, call Marc at (239) 287-5873 or read our guide to buying a home in Fort Myers Beach. For the whole island, see our Fort Myers Beach home valuation page.

What We Could Not Verify About Selling at Estero Cove

We could not verify the following about Estero Cove from a primary source, so this page makes no claim on them. Each item names the document or office that settles it. A seller who can fill any of these gaps with a document strengthens their own listing, and we would rather leave a gap than guess.

  • The association’s budget, assessments and reserves. Listing-entered fees are not verified. The budget and an estoppel certificate from the association settle them.
  • Leasing and pet rules. Not published. The declaration at Official Records Book 1765, Page 2993 and the current rules govern.
  • Milestone inspection and reserve study status. We computed statutory dates only. The association’s records and the Florida DBPR database settle it.
  • How the buildings fared in Hurricane Ian. We found no association or government document. The association’s minutes and the Town’s permit history settle it.
  • Gulf side or bay side. Bay side is our reading of the roll’s coordinates. The recorded plat and declaration settle it.
  • Which Town minimum-stay rule applies. The Town’s zoning staff settle it.
  • Position against the coastal construction control line. The Florida Department of Environmental Protection settles it.
  • Insurance premiums. None is published. An insurance agent can quote by address.

What Sellers Say About Working With Us

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

A client who sold one home and settled into the next

★★★★★ “Marc was extremely helpful in the sale of our old home and getting our new home to the condition that we wanted it to make it ours. He has been available to us for every step of our journey, even after the transaction closed.” Verified Google review

A client on local knowledge

★★★★★ “Jesse and Marc are extremely knowledgeable about Southwest Florida real estate! If you are looking to buy or sell property, look no further than Domain Realty and their amazing team!” Verified Google review

A family that has listed, bought and rented through us

★★★★★ “Jesse and his team at Domain have taken care of me, my family and my friends for many years. They have listed and sold our properties, facilitated the purchase of our properties and arranged for rentals.” Verified Google review

A seller who was kept informed

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

Frequently Asked Questions, Estero Cove Seller Edition

These are the questions Estero Cove owners ask us before they list, answered from the Southwest Florida MLS, the Lee County records and Florida law. For your own condo, call Jesse direct at (239) 898-6072.

How do I sell my Estero Cove condo?

Price it from the closings in your plan and building, order the estoppel, assemble the resale documents, complete the flood disclosure and list with a plan for the first 30 days. The 24-month median sale was $341,500.

What is a realistic list price for an Estero Cove condo?

Start from your own plan. The 14 closings of the last 24 months ran from $270,000 to $400,000, and 13 of them closed below the final list price, so a price above $400,000 has no recent closing behind it.

How many Estero Cove condos are competing with mine right now?

On October 7, 2026, six were active, from $315,000 to $456,789, and one was pending. Three of the six were in the 6893 building, two at 6891 and one at 6899.

How long will my Estero Cove condo take to sell?

The 24-month median was 90.5 days, but the range ran from 8 to 264. Five of the 14 closings sold within 35 days and five took 200 days or more.

How far below the asking price do Estero Cove condos sell?

The median sale was 93.1 percent of the final list price over 24 months, a gap of about $25,000. One of the 14 closed above list, and the widest gap was $102,000.

Which Estero Cove building sells most often?

The 6897 building, with 9 of the 29 closings in 60 months and 6 of the 14 in 24 months. The 6891 building had 3 closings in five years and none in the last 24 months.

Does my floor plan change the price?

Less than you might expect. Over 24 months the 778 square foot plan closed from $270,000 to $387,500 and the 832 and 839 square foot plans from $290,000 to $400,000, so condition and position mattered more.

Why did the same plan sell for $270,000 and $387,500?

Both were 778 square foot condos in the 6897 building, closed about five months apart, after 229 days and 13 days. The public record does not show floor, outlook or renovation, which is where the difference lies.

Should I price from what Estero Cove condos sold for in 2022?

No. The 15 closings from November 2021 to February 2024 had a median of $411,000, and the 14 since October 2024 had a median of $341,500. Buyers and appraisers use the recent group.

Should I price from the county’s just value?

No. The median just value on the October 2026 roll file, $276,767, is an assessment figure, about 81.0 percent of the 24-month median sale. Price from closings.

Do I need association approval to sell my condo?

Listing entries show an application fee of $100 to $150 on 24 closings, which suggests an application. The declaration and rules say what is required, so ask the manager how long approval takes.

What documents do I owe the buyer?

Under Florida Statute 718.503: the declaration, articles, bylaws, rules, the latest budget and financial information, the state’s questions-and-answers sheet, and the milestone summary and reserve study material where they apply.

Can a buyer cancel after signing the contract?

Yes, within 7 days of receiving the resale documents, not counting weekends and legal holidays, or 15 days where a milestone summary, turnover report or reserve study applies. Early delivery shortens the uncertainty.

What can the association charge for an estoppel certificate?

Florida law caps the charge and sets the certificate’s life at 30 days, or 35 if delivered electronically. We print no dollar figure, because the association’s current schedule governs.

What flood disclosure do I owe as a seller?

Under Florida Statute 689.302, a seller of residential property gives the buyer a flood disclosure at or before the contract, covering flood claims and federal flood assistance.

Is Estero Cove in a flood zone?

The FEMA flood map indicates Zone AE with a base flood elevation of 11 feet NAVD88 at the six points we tested, on panel 12071C0567G. An elevation certificate settles a specific building.

Do I need an elevation certificate to sell?

The law does not require one to list, but a buyer’s lender or flood insurer may ask. The Town keeps an elevation certificate library, and the association may hold one for your building.

How does the milestone inspection affect my sale?

Buyers of condos in 1985 to 1989 buildings ask for the milestone summary, and the resale package carries it where one applies. We computed the statutory date only, so ask the association for the report itself.

How does the reserve study affect my sale?

The structural integrity reserve study sets the reserves the association must fund, and lenders read it. The resale package includes the latest study or a statement that none has been completed.

What do I disclose about Hurricane Ian?

Disclose what you know: damage, repairs, claims and permits for your unit. Florida’s common-law duty and Statute 689.302 both apply, and we found no public record describing the buildings’ experience.

What will my buyer ask about fees?

The current assessment, what it pays for, the reserve balance and any special assessment. Listing entries ran from $4,560 to $8,220 over five years and are not verified, so answer with the budget and the estoppel.

Does a special assessment or unpaid balance affect my sale?

Yes. The estoppel certificate states any assessment due, and an unpaid balance is settled from your proceeds at closing. None is published for Estero Cove, so ask the manager.

Can my buyer rent the condo out?

The declaration and rules decide, and neither is published. The association’s page says owners can advertise on its rental page, and the Town registers short-term rentals. Get the answer in writing.

Are pets allowed, and does it matter to my sale?

The pet rules are not published, and the association’s page is silent. It matters, because a buyer with a pet can cancel inside the document window if the rules surprise them.

Who pays the documentary stamp tax when I sell?

The seller customarily pays it. Under Florida Statute 201.02 the rate is $0.70 per $100, which is $2,436.00 on $348,000 and $2,800.00 on $400,000.

Who pays for title insurance in Lee County?

By Lee County custom the seller pays the owner’s title policy and the buyer pays the lender’s policy and loan charges. It is a custom and not law, and the contract controls.

What will I net on a $348,000 sale?

On our net sheet, about $322,271 before any mortgage payoff with a buyer-agent offer and about $330,971 without one, at example commission rates. The estoppel fee is not in those totals.

Will the appraisal support my price?

An appraiser uses recent closings of the same plan, so the 14 closings on this page are the evidence. A price above every one of them risks a gap the buyer must cover.

Should I renovate before I list?

Fix what a buyer sees first, and confirm the association’s alteration rules and the Town’s permit requirements before larger work. The quick sales in the record were not the low-priced ones.

Can I sell if I live out of state?

Yes. Most closing documents can be signed remotely or before a notary where you live, and we handle showings, the association paperwork and the walk-through.

What happens to property tax at closing?

Tax is prorated to the closing date, and the county reassesses after a sale. At the 2026 applied rate of 13.3108 mills, $348,000 would carry $4,632.16 before exemptions and non-ad valorem charges.

Does the time of year change my sale?

Seventeen of the 29 closings in five years fell from February through May, and none in June, August or December. The record is too thin to say a month changes the price.

Should I sell now or wait?

We do not forecast prices. The record shows a $341,500 median over 24 months, six active listings, about 10.3 months of supply and a Town district millage that moved from 13.4329 in 2025 to 13.3108 for 2026.

What does it cost to hire McGreevy and Comisar?

Commission is negotiable and set in the listing agreement, so we publish no rate. Call Jesse at (239) 898-6072 and we will explain what is included before you sign anything.

Is my condo in the Town of Fort Myers Beach, and does it matter?

Yes. The county roll places all 180 parcels in the Town’s taxing district. The Town, incorporated December 31, 1995, issues permits and applies the flood and rental registration rules.

Why Does a Fort Myers Beach Specialist Matter When You Sell?

A Fort Myers Beach specialist knows which Estero Cove building and plan a condo belongs to, which closings are true comparables, what the estoppel and resale package must contain and what the flood map indicates at the address. Buyers pay for that clarity, and a listing that explains a condo well holds its price through inspection.

What a general agent tends to miss

Small errors cost condo sellers contracts: a fee copied from a 2023 listing, a living area that the county roll does not show, a Gulf-front claim for buildings the county codes otherwise, a document package delivered late so the cancellation window stays open. As Top 1% Real Estate Agents Nationally Since 2008, we build the listing so none of those reach the buyer.

The Fort Myers Beach context we sell with

Our Fort Myers Beach community page covers the island.

Thinking of Selling Your Estero Cove Condo? List With the #1 Team in Southwest Florida Since 2012

If you are thinking of selling an Estero Cove condo, call the team that prices from the closings in your plan and building, orders the estoppel and assembles the flood, permit and assessment file the day you list, and answers the buyer’s insurance questions first. We have represented Southwest Florida sellers since 2008.

If you are thinking, “I need someone to sell my condo in Estero Cove in Fort Myers Beach, Florida,” McGreevy and Comisar helps homeowners price, market, negotiate and sell with a local strategy built for Estero, Bonita Springs, Naples, Fort Myers, Lee County, Collier County and Babcock Ranch, whether you are selling in Estero Cove, Estero Beach and Tennis Club, Leonardo Arms, Sandarac or Lovers Key Beach Club.

As the leaders of Domain Realty Group, our team has closed over $2.5 billion in real estate, and McGreevy and Comisar alone have over $900 million in personal sales.

  • 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

Estero Cove sold record, last 24 months: 14 Southwest Florida MLS closings at a $341,500 median, from $270,000 to $400,000, a median 90.5 days on the market and a median 93.1 percent of the final list price, with six condos active on October 7, 2026. About one condo in 30 here sells in a year, so make us your first call before you list.

What Is Your Estero Cove Condo Worth? Get a Free Valuation in 60 Seconds.

Request your free Estero Cove condo valuation, or jump to the valuation section on this page. Talk to Jesse direct: Call Jesse direct at (239) 898-6072, text or call. Confidential conversations welcome.

Is a valuation a commitment to list?

No. A valuation is information: the comparables, the adjustments and a net sheet. You decide what to do with it.

What if I am not ready to sell yet?

Ask anyway. Knowing the number and the documents a buyer will want is the first step in choosing when to list.

Your Local Real Estate Experts

Jesse McGreevy is a top-reviewed Fort Myers Beach listing agent and Marc Comisar is a top-reviewed Southwest Florida buyer’s agent; you can read every review on our Google Business Profile. McGreevy and Comisar are based in Bonita Springs and are Top 1% Real Estate Agents Nationally Since 2008.

  • Top 1% Real Estate Agents Nationally Since 2008

  • 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)

  • #1 Team in Southwest Florida since 2012

  • McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate

  • McGreevy and Comisar alone have over $900 million in Sales

  • Nationally Recognized Top Producing Realtors

  • Platinum Sales Production Award Winners

  • Jesse McGreevy: (239) 898-6072 ·

  • Marc Comisar: (239) 287-5873

  • Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

Jesse McGreevy (Sales Associate) and Marc Comisar (Broker Associate) are licensed Florida REALTORS® with Domain Realty; Florida real estate licensure is regulated by the Florida Real Estate Commission (FREC) within the Department of Business and Professional Regulation (DBPR). Florida license numbers: Jesse McGreevy SL3101296, Marc Comisar BK3060671.

Selling an Estero Cove condo? Get a free Estero Cove condo valuation, or call Jesse direct at (239) 898-6072. Buying one? Call Marc at (239) 287-5873, or read our guide to buying a home in Fort Myers Beach.

Follow our Southwest Florida sales on Instagram, Facebook and YouTube.

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

Sources and Authoritative References

Every figure on this Estero Cove page traces to a primary source below: county, Town, state and federal records, the Florida statutes that set a condo seller’s duties and the agencies that issued the storm and flood data. We do not cite brokerage or listing sites. Each entry was accessed October 7, 2026.

Data sources

  1. Southwest Florida MLS (Matrix), closed, active and pending condominium listings for Estero Cove, ZIP 33931, pulled October 7, 2026.
  2. Lee County Property Appraiser, parcel roll file of October 4, 2026 and sale data files, for all 180 Estero Cove parcels.
  3. Florida Division of Corporations record for Estero Cove Condominium Association, Inc., document N00587, read October 7, 2026.
  4. Florida Division of Condominiums extract dated October 3, 2026, Estero Cove, 180 units.
  5. FEMA National Flood Hazard Layer queries at six points, October 7, 2026.

Linked sources, accessed October 7, 2026

  1. Florida Statute 718.503, resale disclosure: www.leg.state.fl.us
  2. Florida Statute 718.112, reserve studies: www.leg.state.fl.us
  3. Florida Statute 718.116, assessments and estoppel: www.leg.state.fl.us
  4. Florida Statute 718.111, official records: www.leg.state.fl.us
  5. Florida Statute 553.899, milestone inspections: www.leg.state.fl.us
  6. Florida Statute 201.02, deed stamp tax: www.leg.state.fl.us
  7. Florida Statute 509.032, vacation rentals: www.leg.state.fl.us
  8. Florida Statute 689.302, flood disclosure: www.leg.state.fl.us
  9. Florida Statute 689.261, property tax disclosure: www.leg.state.fl.us
  10. Florida Statute 627.715, flood insurance: www.leg.state.fl.us
  11. Florida Statute 627.351, Citizens: www.flsenate.gov
  12. Florida DBPR condominium data extract: www2.myfloridalicense.com
  13. Florida DBPR reserve study reporting: www2.myfloridalicense.com
  14. Florida Division of Corporations search, Estero Cove: search.sunbiz.org
  15. Florida Office of Insurance Regulation, wind mitigation: floir.gov
  16. Citizens Property Insurance, flood requirement: www.citizensfla.com
  17. Citizens, revised mitigation form notice: www.citizensfla.com
  18. Florida DEP, Hurricane Ian and Nicole report: floridadep.gov
  19. Florida DEP, coastal construction control line layer: services1.arcgis.com
  20. Florida Department of Revenue, documentary stamp tax: floridarevenue.com
  21. Estero Cove association, general information: esterocove.mycommunitysite.app
  22. Town of Fort Myers Beach, short-term rentals: www.fortmyersbeachfl.gov
  23. Town Ordinance 18-01: www.fortmyersbeachfl.gov
  24. Town short-term rental code of conduct: fortmyersbeachfl.gov
  25. Town 2026 condominium opt-out list: www.fortmyersbeachfl.gov
  26. Town, substantial improvement and damage: www.fortmyersbeachfl.gov
  27. Town, FEMA 50 percent rule: www.fortmyersbeachfl.gov
  28. Town repair and improvement cost form: fortmyersbeachfl.gov
  29. Town Build Responsibly guide: www.fortmyersbeachfl.gov
  30. Town, National Flood Insurance Program: www.fortmyersbeachfl.gov
  31. Town, elevation certificates: www.fortmyersbeachfl.gov
  32. Town, sea turtles: www.fortmyersbeachfl.gov
  33. Town, about your tax bill: www.fortmyersbeachfl.gov
  34. Town code of ordinances: library.municode.com
  35. Lee County Property Appraiser: www.leepa.org
  36. Property Appraiser sale data files: www.leepa.org
  37. 2025 taxing district millage book: www.leepa.org
  38. 2026 taxing district millage book, printed October 9, 2026: www.leepa.org
  39. Property Appraiser flood zone service: gissvr.leepa.org
  40. Lee County evacuation zones: maps.leegov.com
  41. Lee County Tax Collector, property taxes: www.leetc.com
  42. Lee County Clerk, recording deeds: www.leeclerk.org
  43. FEMA National Flood Hazard Layer: hazards.fema.gov
  44. FEMA Flood Map Service Center: msc.fema.gov
  45. U.S. Census geocoder: geocoding.geo.census.gov
  46. Census profile, Town of Fort Myers Beach: censusreporter.org
  47. National Hurricane Center, Hurricane Ian report: www.nhc.noaa.gov
  48. National Weather Service, Helene impacts: www.weather.gov
  49. National Weather Service, Milton impacts: www.weather.gov
  50. U.S. Geological Survey, Ian high-water marks: stn.wim.usgs.gov
  51. U.S. Fish and Wildlife Service, CBRS documentation: www.fws.gov
  52. WGCU, Town earns CRS Class 5: www.wgcu.org
  53. WGCU, 2024 flood discount change: www.wgcu.org
  54. Internal Revenue Service, Topic 701: www.irs.gov
  55. Internal Revenue Service, FIRPTA withholding: www.irs.gov
  56. National Association of REALTORS, settlement FAQs: www.nar.realtor
  1. Fort Myers Beach: the island’s market hub.
  2. Home valuation for Estero Cove: valuation page.
  3. Buying a home in Fort Myers Beach: buyer page for the island.
  4. About McGreevy and Comisar: our team.

Downloadable Documents

These official documents are the ones an Estero Cove condo seller should have in hand before listing and that a buyer’s agent will ask to see. Each link opens the issuing authority’s own copy.

Document Issued by Why an Estero Cove seller needs it
2026 taxing district millage book Lee County Property Appraiser The 2026 applied rate for the Town district, 13.3108 mills (13.4329 in 2025), printed October 9, 2026
Town 2026 condominium opt-out list Town of Fort Myers Beach The list we searched for Estero Cove
Ordinance 18-01 Town of Fort Myers Beach The short-term rental registration ordinance
Hurricane Ian report National Hurricane Center The federal surge record for Estero Island
Florida Statute 718.503 Florida Legislature The resale package and the buyer’s cancellation right
Florida Statute 689.302 Florida Legislature The seller’s flood disclosure

The association’s declaration, bylaws, rules, budget and reserve study are not posted publicly. They come from the manager with the estoppel certificate, and the recorded declaration can be requested from the Lee County Clerk at Official Records Book 1765, Page 2993.

Market data from Southwest Florida MLS, pulled October 2026. McGreevy and Comisar, sell your Estero Cove condo with the #1 Team in Southwest Florida since 2012. Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.