Homes ›Fort Myers
9601 BAY HARBOR CIRStreet View
View photos on Zillow

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.

Off-market · AVM only

Estimated value (AVM)

$59,219,939

Source: county records — no active MLS listing found

634 bd · 575 ba · 398,761 sqft

9601 BAY HARBOR CIR, Fort Myers, FL

No homesteadOut-of-state owner · MALee County records
Sell this homeSee financing options

True monthly cost

$419,408/mo

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

Est. $/sqft

$149

Affordability fit

Stress

≈ 7989% 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 age23y

May block financing

Shingle roofs ≥23y are effectively uninsurable at standard rates. Lenders generally won't close.

Year built (proxy)2003
InsurabilityRoof age may block financing

Action: Plan for a new roof (or full-replacement credit) at contract.

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: $593,160 (wind $593,160 · flood $0)

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

Insurability drag on True Monthly Cost

+$28,246 /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: uninsurable. Modeled insurance $49,430/mo vs $21,184/mo fresh-roof.

    +$28,246/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

634

Bathrooms

575

Square feet

398,761

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 9601 BAY HARBOR CIR · $59,219,939
Bank financing

Conventional 30-yr

True monthly cost

$425,797/mo

Baseline

P&I$321,582
Taxes + insurance + flood$103,715
Utilities$500
Cash to close$11,843,988
Rate · term7.2% · 30y

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

Owner-held note

Seller financing

True monthly cost

$423,763/mo

−$2,034/mo vs conventional

P&I$319,548
Taxes + insurance + flood$103,715
Utilities$500
Cash to close$5,921,994
Rate · term6% · 30y

Owner of 9601 BAY HARBOR CIR carries the note at a negotiated rate with reduced down.

Inherit the rateLowest /mo

Assumable FHA/VA

True monthly cost

$310,303/mo

−$115,494/mo vs conventional

P&I$206,088
Taxes + insurance + flood$103,715
Utilities$500
Cash to close$14,804,985
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

$429,925/mo

+$4,127/mo vs conventional

Lease payment$325,710
Taxes + insurance + flood$103,715
Utilities$500
Cash to close$1,776,598
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 9601 BAY HARBOR CIR's price, recurring costs, and affordability profile.

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

Location

Loading map…
Loading owner of record…

Interested in this property?

Send us a quick message and our team will follow up with details and next steps.

Compare on other sites

Cross-check this address on the major listing platforms — see if it's listed elsewhere, compare estimates, and read public history.

View on ZillowView on RedfinView on Realtor.comView on TruliaView on Google Earth

Listings, availability, and pricing on Zillow, Redfin, Realtor.com, and Trulia are provided by those third parties. Information may be outdated, incomplete, or differ between sites. Always confirm current details directly with the listing source or your agent before making a decision.

Similar homes

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.