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3633 Ruby, St. James City, FL 33956

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For Sale

$799,900

3 beds • 2 baths • 1 half baths • 2,485 sqft

Estimated Payment

$ 4,501 /mo. †

6.67% APR for 30 yrs.
$4,618 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $321.89
    Price per square foot

  • 31-40 Years Old
    Age

Explore this Property

Welcome to your dream waterfront retreat! This bright and airy 3-bedroom, 2.5-bathroom home is nestled at the end of a serene canal and features a private boat dock with a lift, offering direct access to the water for boating, fishing, and outdoor recreation. With tons of natural light streaming through large windows, every room feels warm and inviting, creating a perfect setting for both relaxation and entertainment. This open concept home features sleek, easy-to-care-for tile flooring throughout making it both stylish and easy to maintain, perfect for a laid-back waterfront lifestyle. The spacious kitchen is a chef's dream, featuring granite countertops, updated appliances, a breakfast island, and ample cabinet space. Enjoy the split bedroom floor plan offering privacy and comfort with the master suite on one side of the home, and the guest bedrooms on the other ideal for families or hosting visitors. Spacious backyard with an open patio and plenty of room to add a pool, creating the perfect spot for relaxing while enjoying the canal views. Hurricane impact windows and doors for your safety and peace of mind. Home was completed updated after Hurricane Ian including a new roof (2023).
MLS# 225010479

Courtesy Of Realty One Group MVP

(800) 896-8790

Property Features

  • Age
    31-40 Years Old
  • Amenities
    Porch, Water Front
  • Appliances
    Cooktop, Cooktop - Electric, Dishwasher, Dryer, Freezer, Microwave, Refrigerator, Washer
  • Architecture Style
    Ranch
  • Exterior Type
    Block, Concrete, Stucco
  • Floor Covering
    Tile
  • Heating System
    Central Furnace
  • Lot Size
    0.27 Acres

Map and Directions

Directions to 3633 Ruby, St. James City, FL 33956

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Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $4,117
  • Property Taxes
    $384
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $4,501

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Pine Island Elementary School

Grades KG-5 Public School

Bokeelia, FL 33922 8.6 miles
5360 ridgewood dr

195 total students
14:1 Student teacher ratio

School Rating: D+

School Details

Gulf Middle School

Grades 6-8 Public School

Cape Coral, FL 33914 7.7 miles
1809 sw 36th ter

791 total students
20:1 Student teacher ratio

School Rating: A-

School Details

Trafalgar Middle School

Grades 6-8 Public School

Cape Coral, FL 33991 9.7 miles
2120 sw trafalgar pkwy

912 total students
19:1 Student teacher ratio

School Rating: B+

School Details

North Fort Myers High School

Grades 9-12 Public School

North Fort Myers, FL 33903 15.6 miles
5000 orange grove blvd

1801 total students
20:1 Student teacher ratio

School Rating: B

School Details

Cape Coral High School

Grades 9-12 Public School

Cape Coral, FL 33991 10.3 miles
2300 santa barbara blvd

1624 total students
21:1 Student teacher ratio

School Rating: C-

School Details

Mariner High School

Grades 9-12 Public School

Cape Coral, FL 33993 12.8 miles
701 chiquita blvd n

1489 total students
21:1 Student teacher ratio

School Rating: D+

School Details

Ida S. Baker High School

Grades 9-12 Public School

Cape Coral, FL 33914 7.6 miles
3500 agualinda blvd

1721 total students
22:1 Student teacher ratio

School Rating: C-

School Details

Island Coast High School

Grades 9-12 Public School

Cape Coral, FL 33909 18.7 miles
2125 de navarra pkwy

1432 total students
21:1 Student teacher ratio

School Rating: D-

School Details
Other Nearby Schools Distance Type Grades School Rating
The Sanibel School 3.9 miles Public KG-8 A+

The Sanibel School

Distance: 3.9 miles

Type Public

Grades: KG-8

A+

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for St. James City, FL 33956

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St. James City, FL 33956

This community’s employment is highest in the food and construction industries. The area’s overall household expenses are above the national average.

91° August
Hottest Average Month
52° January
Coldest Average Month
2,453 Total Households in Area
8.8% Increase in population since the year 2010
8.6%
of households
have children
26 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for St. James City, FL 33956

St. James City, FL 33956 has a population of 4,421 people in 2,453 households with a median age of 64.5 years old.

8.8%
Increase in population
since the year 2010
Population is Trending up
2,195
Total households as of 2010
9.8%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 64.5 years old. The smallest percentage group is 65-74 years and the largest percentage is the 35-44 years age range.

Community Population By Ethnicity

White 92%
Hispanic 4%
Other 1%
Asian <1%
Black <1%
Native American <1%
The most prevalent ethnicity is White at 92%, followed by Hispanic at 4%, Other at 1%, and Asian at <1%.

Economics
for St. James City, FL 33956

67 /sq mi
Population Density
$72,053 /yr
Median Household Income
$205,000
Median Sales Price
26 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 16.39% of the households.

Transportation to Work

  • Drive 83%
  • Work from Home 11%
  • Walk or Bike 6%
  • Public Transit 0%

Occupancy by Type

Owned 2,222 58%
Vacant 1,404 36%
Rented 231 6%

White vs Blue Collar Jobs







White Collar 84%
Blue Collar 16%

Family & Education Facts
for St. James City, FL 33956

64.5 Median Age

Average Household Size

1.8
persons per
household

56.2%

Married Households

Community Population By Education

High School Graduate 35%
Some College 26%
Graduate Degree 14%
Bachelors Degree 10%
Associates Degree 8%
Some High School 6%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 35.21% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
8.6% of households have children

Weather
for St. James City, FL 33956

The weather for this area ranges from a high of 91° F in August to a low of 52° F in January

91° August
Hottest Average Month
52° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
52°
73°
Feb
54°
75°
Mar
58°
79°
Apr
62°
83°
May
67°
88°
Jun
72°
90°
Jul
73°
91°
Aug
74°
91°
Sep
73°
90°
Oct
67°
85°
Nov
60°
80°
Dec
54°
75°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Naples Area Board of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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