Homes ›Fort Myers
14540 JONATHAN HARBOUR DRStreet View
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Off-market · AVM only

Estimated value (AVM)

$5,451,910

Source: county records — no active MLS listing found

4 bd · 4.5 ba · 5,711 sqft

14540 JONATHAN HARBOUR DR, Fort Myers, FL

No homesteadLee County records
Sell this homeSee financing options

True monthly cost

$35,390/mo

Mortgage + taxes + HOA + insurance + flood + assessments + utilities

Est. $/sqft

$955

Affordability fit

Stress

≈ 674% of Fort Myers median income

Flexibility

Standard

Trust check · Florida edition

Insurability: flood · roof · wind

The three numbers Zillow won't tell you — the ones that decide whether you can actually insure (and finance) this home in SW Florida.

Sourced from FEMA NFHL & LeePA
Flood zoneUnmapped

FEMA NFHL has no flood-zone polygon at this point.

Est. NFIP premium—
In our cost engine—

Action: Pull elevation cert from seller to confirm.

Roof age18y

Aging — many carriers decline

Past the underwriting comfort zone. Expect surplus-lines pricing or carrier-imposed roof exclusions.

Year built (proxy)2008
InsurabilityRoof aging — quote will sting

Action: Negotiate a roof-replacement credit or buyer-side replacement.

Wind-mit savings$400–$1,800/yr

A wind-mitigation inspection (~$100) almost always pays for itself in year one. Credits stack on each of these features:

  • • Hip roof (vs gable)
  • • Roof-to-wall clips, single wraps, or double wraps
  • • Impact-rated windows / accordion or panel shutters
  • • Secondary water resistance (SWR) underlayment

Action: order a wind-mit report alongside your 4-point.

Projected annual insurance: $6,792 (wind $6,792 · flood $0)

Estimates only. Final premium depends on carrier, deductibles, and inspection results.

Insurability drag on True Monthly Cost

+$263 /mo

How much the roof age and flood zone shift this home's monthly cost vs a fresh-roof, zone-X baseline. Already included in the True Monthly Cost above.

See stress test →

  • Roof age vs fresh-roof baseline

    Roof band: aging. Modeled insurance $566/mo vs $303/mo fresh-roof.

    +$263/mo

  • Flood zone vs preferred-risk (X)

    FEMA zone not yet resolved for this parcel.

    —/mo

Clear

Fort Myers: registration required

Registration required

View sources & last verified

Clear

No FEMA flood zone on file

Outside the Special Flood Hazard Area — FEMA substantial-improvement rule generally does not apply.

View sources & last verified

Key facts

Bedrooms

4

Bathrooms

4.5

Square feet

5,711

Location

Fort Myers

Status

Active

Financing options for this home

Pre-filled with this property's price, taxes, HOA, insurance, and assessments.

Side-by-side · True monthly cost

Compare creative ownership pathways

For 14540 JONATHAN HARBOUR DR · $5,451,910
Bank financing

Conventional 30-yr

True monthly cost

$35,979/mo

Baseline

P&I$29,606
Taxes + insurance + flood$5,564
HOA$309
Utilities$500
Cash to close$1,090,382
Rate · term7.2% · 30y

Today's market rate. Full underwriting and 20% down.

Owner-held note

Seller financing

True monthly cost

$35,791/mo

−$187/mo vs conventional

P&I$29,418
Taxes + insurance + flood$5,564
HOA$309
Utilities$500
Cash to close$545,191
Rate · term6% · 30y

Owner of 14540 JONATHAN HARBOUR DR carries the note at a negotiated rate with reduced down.

Inherit the rateLowest /mo

Assumable FHA/VA

True monthly cost

$25,346/mo

−$10,633/mo vs conventional

P&I$18,973
Taxes + insurance + flood$5,564
HOA$309
Utilities$500
Cash to close$1,362,978
Rate · term3.25% · 27y

Take over the existing low-rate loan. Buyer funds the equity gap.

Bridge to ownership

Lease-to-own (24 mo)

True monthly cost

$36,359/mo

+$380/mo vs conventional

Lease payment$29,986
Taxes + insurance + flood$5,564
HOA$309
Utilities$500
Cash to close$163,557
Rate · term— · 24mo

Monthly lease + option fee. No mortgage today; lock price for 24 months.

AI · Tailored to this home

Creative financing scenarios

PropertiesGPS AI proposes 4 deal structures matched to 14540 JONATHAN HARBOUR DR's price, recurring costs, and affordability profile.

Click Generate to get 4 deal structures tailored to this home.

Location

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Full investor report is locked

Unlock the deep intelligence on this property — the stuff Zillow doesn't show you.

  • Distress signals: liens, lis pendens, tax delinquency
  • Roof-age adjusted insurance estimate
  • STR / Airbnb upside, cash flow, comparables
  • AI investor brief with watch-outs & opportunities
Checking access…

$9 unlock = 30-day access to this one property. Pro = unlimited.