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Single Family ResidenceResidential
$485,548$183 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 80How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

3646 PAPAYA ST

SAINT JAMES CITY, FL 33956
3
Beds
2
Baths
2,658 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.31 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$486K
$387K low$584K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,625 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$129,654 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$126,245
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$291,026

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.87 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.99%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyLEE
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1996
Lot (acres)The size of the land the home sits on, from county records.0.31
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 36 ft²Patio · 438 ft²Porch · 244 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Pine Island Elementary SchoolA-
Elementary · Grades KG–5 · 5.0 mi
H
Ida S. Baker High SchoolD+
High · Grades 9–12 · 5.1 mi
M
Gulf Middle SchoolB+
Middle · Grades 6–8 · 5.3 mi

District: Lee County School District

Neighborhood · ZIP 33956These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.154
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.66%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.4,656
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.71 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,315
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$100,560
Average tempThe average temperature here across a full year.74°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3646 Papaya St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 74% of homes in Lee County
  • Costs less per square foot than 89% of homes in Saint James City 33956
  • Bigger than 88% of homes in Saint James City 33956
  • Has a bigger lot than 82% of homes in Lee County
  • Newer than 70% of homes in Saint James City 33956

What homes are worth in Saint James City 33956

Each bar is how many homes fall in that price range. The marker is this home.

This home
$174K$1.5M

This home is worth more than 48% of homes in Saint James City 33956.

How it measures up in Saint James City 33956

The dot is this home. The mark in the middle is the typical home in Saint James City 33956.

Estimated value$485,548
CheaperTypical $499,000Pricier

Pricier than 48% of homes nearby

Price per ft²$183
CheaperTypical $282Pricier

Pricier than 11% of homes nearby

Living area2,658 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 88% of homes nearby

Lot size0.31 ac
SmallerTypical 0.19 acBigger

Bigger than 76% of homes nearby

Year built1995
OlderTypical 1987Newer

Newer than 70% of homes nearby

How 3646 Papaya St ranks against every home in each area.
MeasureThis homeSaint James City 33956Lee County
Estimated valuepricier than$485,54848% of homes74% of homes
Price per ft²pricier than$18311% of homes51% of homes
Living areabigger than2,658 ft²88% of homes78% of homes
Lot sizebigger than0.31 ac76% of homes82% of homes
Year builtnewer than199570% of homes45% of homes

About 3646 Papaya St

How much is 3646 Papaya St, Saint James City, FL worth?

The TopHap Estimate for 3646 Papaya St, Saint James City, FL is $485,548 as of Sep 24, 2026. The likely range is $387,162 to $583,934. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3646 Papaya St, Saint James City, FL last sell?

3646 Papaya St, Saint James City, FL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3646 Papaya St, Saint James City, FL?

3646 Papaya St, Saint James City, FL has 3 bedrooms, 2 bathrooms, 2,658 square feet of living space and a 0.31-acre lot.

When was 3646 Papaya St, Saint James City, FL built?

3646 Papaya St, Saint James City, FL was built in 1995, making it 31 years old. It is a cape cod home. The building has 1 story.

What schools serve 3646 Papaya St, Saint James City, FL?

3646 Papaya St, Saint James City, FL is assigned to Pine Island Elementary School (elementary), rated A-; Ida S. Baker High School (high), rated D+; Gulf Middle School (middle), rated B+. All sit in Lee County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3646 Papaya St, Saint James City, FL compare to other homes in Saint James City 33956?

Among the 2,976 homes in Saint James City 33956, it is worth more than 48% of them ($485,548 against a typical $499,000), its price per square foot is higher than 11% of them ($183 against a typical $282), it is bigger than 88% of them (2,658 ft² against a typical 1,512 ft²), its lot is bigger than 76% of them (0.31 ac against a typical 0.19 ac) and it is newer than 70% of them (1995 against a typical 1987). Measured against all of Lee County, it is worth more than 74% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3646 Papaya St, Saint James City, FL?

The 2025 property tax bill for 3646 Papaya St, Saint James City, FL was $1,625. The county assessed it at $129,654.

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