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Active - House for sale

3544 Ruby Ave, Saint James City FL 33956, St James City, FL

4 bds|3 bth

Facts & features

House Property type
61 days on Beycome
1993 Year built
3 car garage Parking

Why you’ll love it

Welcome to your own private slice of paradise on Pine Island! This exceptional waterfront retreat offers a true Florida Keys feel, with tropical surroundings, INTERSECTING CANALS, & 189 ft of waterfront creating the perfect setting for the ultimate coastal lifestyle. Situated on a peaceful cul-de-sac corner lot, this 4-bed, 3-bath home combines comfort, privacy, and effortless indoor-outdoor living. Step outside to a private resort-style oasis featuring a heated salt system pool, spa, firepit, hammock, and your own sandy beach area. Boaters will love the covered dock, boat lift & fillet station, with quick access to open water. The kitchen features custom cabinetry, Corian countertops, SS appliances, a wine fridge, & ample space for gathering. The main suite offers peaceful water views, while the versitile lower-level guest/in-law suite provides privacy & includes its own kitchen & laundry. Whether you're enjoying coffee by the water, relaxing poolside, entertaining friends, or heading out for a day on the Gulf, every day feels like a vacation. Experience the laid-back charm of SJC with the unmistakealbe feel of the Florida Keys right at home. This home on the vacation rental market, offers an attractive opportunity for those looking for a personal island retreat with income potential. In high demand throughout the year, making it an excellent choice for a vacation-home buyer, investment property, or those seeking flexibility to enjoy the home while generating rental income.

Translating description...

Listings courtesy of Charles Rutenberg Realty FTL.

Listed by: Lisa Marcet • 954-662-6119 • Charles Rutenberg Realty FTL

Co-listed by: Charles Rutenberg Realty FTL

Source: Miami MLS, MLS#: A12111574 Miami MLS logo

Based on info available as of Nov 13, 2026 at 7:00 PM EST.

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Affordability

$780,000$1,620,000
1%20%
0%90%
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Estimated monthly payment

$7,348/mo

  • Mortgage$6,063
  • Property tax$1,285
  • HOA fee
  • Homeowners insurance
Due at closing$953,205
Down payment held in escrow$239,800
Closing costs$17,985
beycome credit Est.$23,980

Beycome estimates only. Actual amounts and terms vary by lender and location.

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Travel times

About Bayview Acres

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This local overview has been generated by Artur AI, for informational purposes only. Please verify all details independently before relying on it.

Flood & climate risk

FEMA Flood Zone AE

In a FEMA Special Flood Hazard Area — flood insurance is typically required with a federally-backed mortgage.

More details

Base flood elevation: 7 ft. Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Copyright ©2026. Based on information as of Nov 13, 2026 at 07:00pm EST.

$1,199,000 Listed price

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$23,980 Credit back

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