7146 Estero Blvd, PH-14Creciente · Fort Myers Beach, FL 33931
$576,750

Nine floors up, where the Gulf starts at the screen door.

A top-floor penthouse at Creciente, sold turnkey with a deeded garage space. Both bedrooms open onto a screened balcony that runs 26 feet across the front of the unit.
2 Bed 2 Bath 1,252 Sq Ft Built 1975 Gulf Front · 9th Floor Sold Turnkey
List Price
$576,750
Price / Sq Ft
$461
Condo Fee
$1,420 / mo
Special Assessments
$0
The Penthouse

Top floor, corner of the building, nothing above you.

PH-14 sits on the ninth floor of 7146 Estero Boulevard, on the Gulf side of Creciente.

The living room opens onto a screened balcony that runs the full 26 feet across the front of the unit, and both bedrooms open onto it too. Leave the sliders back and the sea breeze moves through the whole place. From up here you're looking down the beach in one direction and out over the pool deck in the other.

The layout is split. Primary suite on one side, guest bedroom on the other, living and dining in the middle where the water is. There's an eat-in kitchen with a pantry, a laundry room inside the unit rather than down a hall, and a real foyer so you're not walking straight into the living room.

It's sold turnkey. The furniture, the kitchen, the beds, all of it stays, so you could close on a Friday and sleep here that night. A garage space comes with the unit, which is worth more than people expect on a barrier island in July. Storage is available in the building as well.

Santini Plaza is directly across Estero Boulevard and it's busy again, with restaurants, shops, a hardware store and a UPS counter. A 7-Eleven and a CVS are a short walk. Plenty of owners here go a week without moving the car.

Video

The full video tour.

Filmed at the penthouse. Turn the sound on. The video only starts downloading when you press play.

Floor Plan

1,252 square feet, and the balcony gets its own 26 feet.

Measured by a floor plan service. The balcony runs across the front and connects the living room to both bedrooms.

Measured floor plan of 7146 Estero Blvd PH-14, showing the split bedroom layout and the 26-foot screened balcony
Primary Bedroom
13'1" × 15'2"
Bedroom 2
13'1" × 12'8"
Living Room
12'11" × 19'3"
Screened Balcony
26'0" × 7'11"
Eat-in Kitchen
13'1" × 8'5"
Dining Area
12'11" × 8'5"
Laundry
5'11" × 6'6"
Foyer
6'9" × 5'7"

Download the Floor Plan (PDF)

What Comes With It

The furniture stays. So does the garage space.

From the sellers' own sheets and the association's records, not from a brochure.

Inside the unit
  • Sold turnkey. Furniture and furnishings convey with the sale.
  • Split bedroom plan. Both bedrooms have their own sliders to the screened balcony.
  • Eat-in kitchen with a pantry. Range, refrigerator with icemaker, dishwasher, disposal, microwave, self-cleaning oven.
  • Laundry room inside the unit with washer and dryer.
  • Combination tub and shower in the primary bath.
  • Carpet, tile and vinyl flooring. Window coverings throughout. Cable prewired.
  • Deeded garage parking. Garage #142 appears in the unit's legal description.
Appliance and equipment ages, as the sellers reported them
  • Refrigerator: 2023.
  • Dishwasher: 2025.
  • Washer and dryer: 2016.
  • Range, microwave, air conditioner and water heater: the sellers listed these as unknown.
  • Roof, irrigation and pool equipment: maintained by the association, not the unit owner.

These come straight from the sellers' Frequently Asked Questions sheet, posted below. Where the sellers wrote "unknown," we've left it as unknown rather than guessing. An inspection will tell you more.

The building and the grounds
  • Nine-story concrete and piling construction, built in 1975, with a flat built-up roof and common elevators.
  • Six units on the ninth floor. 172 units across the three Creciente buildings at 7146, 7148 and 7150 Estero Boulevard.
  • Heated community pool, lighted tennis courts, shuffleboard, fitness center, clubhouse and community room, library, BBQ grills, extra storage, trash chute.
  • Private beach access on white sand, with a secured lobby and a secured garage.
  • The association completed a full concrete restoration project with a licensed engineer on site throughout. Details are in the reserve studies below.
Straight Answers

The questions people actually ask about a 1975 beach building.

Every answer below traces to a document you can open yourself further down this page.

What does the $1,420 a month actually cover?

Building insurance including the structure's wind and hazard coverage, water, sewer, trash, cable television, internet, lawn and landscaping, irrigation water, exterior pest control, building repairs, reserve funding, security, professional management, legal and accounting, street lights, and use of the pool, tennis, fitness room, clubhouse and private beach.

Put another way, most of what a Gulf-front house owner pays separately is already inside this one number. On an exposed beach house, the wind and flood premiums alone can approach it. There's a full side-by-side breakdown in the "What the condo fee buys" sheet in the documents below.

The building is from 1975. Should that worry me?

It's the right question, and the association has the paperwork to answer it. SOCOTEC Consulting, an engineering firm, completed both a Structural Integrity Reserve Study and a general reserve study for all three buildings, dated December 13, 2024, for the period beginning July 1, 2025. Florida's amended Statute 718 required condominium buildings three stories and up to have a SIRS done by the end of 2024. Creciente had one done, by a licensed professional engineer who was on site throughout the concrete restoration project.

The association's approved 2025 budget puts $420,000 into SIRS reserves and another $95,000 into non-SIRS replacement reserves for the year. The seller's signed condominium rider states there are no special assessments levied, none discussed at a board meeting in the year before this listing, and no pending or anticipated litigation the seller is aware of. Both reserve studies and the budget are posted below. Read them.

The property is in Flood Zone VE. What does that mean here?

VE is a coastal high-hazard zone, meaning an area subject to 100-year flooding with wave action, and base flood elevations have been determined. That is normal for a Gulf-front barrier island parcel. The FEMA map is posted below.

Flood coverage for the building sits inside the condo fee, per the sellers' utilities sheet. A ninth-floor unit is a very different flood exposure from a ground-floor one, but the zone applies to the parcel. Two things to do on your own: ask your lender what it will require for a unit on the top floor, and get an HO-6 quote covering your interior and contents. We're glad to point you to local agents.

The sellers also disclosed that they have knowledge of flooding that damaged the property during their ownership, that no claim was filed with an insurer, and that no FEMA assistance was received. Their signed flood disclosure and property disclosure are both posted below, unedited.

Can I rent it out?

Yes, within the association's rules. Up to 12 leases per year with a 30-day minimum stay, a one-year maximum term, and board approval on every lease. Only furnished units may be leased, and this one sells turnkey, so it qualifies as is.

Nightly stays are not permitted, so this is a monthly and seasonal rental rather than an Airbnb. If you are buying it partly as an investment, we put the cash flow model, the full leasing rules and the carrying costs on their own page: open the investor numbers.

Is there an approval process?

There is, and it's a real step, not a formality. The association's approval of a buyer is required. The 2025 membership application asks for a copy of the executed contract, two letters of recommendation, identification, and a transfer fee. The listing shows a $150 application fee. The association's 2025 application form also lists a $100 transfer fee, so confirm the current figures with the association before closing.

One piece of good news for you: neither the association nor the members hold a right of first refusal, per the seller's signed condominium rider. Nobody can step in front of your contract.

Are pets allowed?

One pet for the owner, with limits set by the association. Worth knowing if you plan to lease the unit: the declaration does not permit pets during a tenant's lease term. The membership application and the declaration cover the specifics, and both are posted below.

Why is the tax bill so low, and will it stay that way?

It won't, and you should plan on that. The Lee County Property Appraiser carried this unit at an assessed value of $36,132 for 2025, which produced a total tax bill of $503.65. That is a post-storm assessment, not a reflection of what the unit is worth today.

Florida reassesses on a change of ownership. After you buy, the appraiser resets the assessed value toward market value, and your bill goes with it. There's a worked estimate in the cost section above, and the county's own tax estimator is linked in the documents section. Do not budget off the sellers' current bill.

The Real Monthly Numbers

What it actually costs to own this, with nothing left out.

Most listings leave you guessing about a condo fee and a tax bill. Here are the documented figures plus a payment estimate you can move around. Your own taxes, insurance and loan terms will be different, so treat the totals as an illustration and not a quote.

Estimate your payment

$0
principal & interest

Before you settle on a rate here, ask Cary Meyers about the first-year payment buydown. Details and terms are in the lender section just below.

Illustrative only. Rates and programs vary by lender and borrower, and financing terms on an older Gulf-front condominium can differ from a single-family loan. This is not a loan offer or a quote.

The rest of the monthly picture

Condo fee $1,420 monthly, per the seller's signed rider$1,420
Property taxes, after reassessment estimate, see the note below$647
Electric FPL, sellers' actual range of $84 to $125$125
Water, sewer and trash in the condo fee$0
Cable and internet in the condo fee$0
Lawn, pest control and pool service in the condo fee$0
Building insurance, including flood in the condo fee$0
Your HO-6 interior and contents policy the sellers did not report a figure, so get your own quoteQuote
Ownership costs before the loan and before HO-6$2,192

One time A $150 application fee appears on the listing. The association's 2025 membership application also lists a $100 transfer fee. Confirm both with the association before closing.

About that tax line. The sellers' 2025 bill was $503.65 for the whole year, because the county's assessed value for this unit was $36,132 after the storm. That number resets when the property sells. The $647 a month above applies the 2025 millage rate from the sellers' own tax bill, 13.4329 mills, to the current list price, and adds the $18.31 non-ad-valorem assessment. It assumes no homestead exemption. The Property Appraiser sets the assessed value and it may not match your purchase price. The county's parcel page is linked in the documents section below, and its tax estimator sits in the menu at the top of that page. Run your own number before you write an offer.

Sources: the sellers' Frequently Asked Questions sheet, the 2025 Lee County tax bill, the seller's signed condominium rider, and SWFL MLS #2026011868. There is no land lease, no mandatory club fee, no recreation lease fee, and no special assessment on the books. Every one of those documents is posted below.

Buying It to Rent, or to Share

Use it in the shoulder months. Let the winter help pay for it.

Creciente allows leases of thirty days or longer, up to twelve a year, and only furnished units may be leased. This one already sells turnkey, so it qualifies on day one. That combination suits an owner who wants the place for part of the year and a seasonal tenant for the rest.

We built a separate page for the math: a cash flow model you drive yourself, every fixed cost traced to a document, the leasing rules straight out of the declaration, and a straight answer about the one rental estimate that exists on this unit and why it does not fit this building.

Open the Investor Numbers
Minimum Lease
30 days
Leases Per Year
Up to 12
Furnishings
Turnkey, included
Board Approval
Every lease
Preferred Lender

Financing an older beach condo is its own conversation. Start it early.

Cary Meyers, Guild Mortgage

Cary Meyers

Area Manager · Guild Mortgage

Cary has closed loans for Southwest Florida buyers for years, including on Fort Myers Beach. Condominium financing runs on a project review of the whole building, not just your file, so it pays to have that conversation before you write. Call him for a preapproval or just to find out what a building like this one will and won't support.

(616) 915-2366 · cmeyers@guildmortgage.net

Apply now with Cary Meyers at Guild Mortgage

Click to get preapproved or start your application.

Ask Cary about the first-year payment buydown.
Special financing incentive may be available through Cary Meyers at Guild Mortgage, the participating lender on this home. Qualified buyers may be eligible for a lender-funded temporary buydown that may reduce initial mortgage payments during the first year. Financing subject to buyer qualification, lender approval, loan program requirements, property eligibility, and availability. Terms and conditions apply. Call Cary at (616) 915-2366 to see whether you qualify, or ask us and we'll make the introduction.

Cary Meyers NMLS ID #584519 · Guild Mortgage Company NMLS ID #3274 · Equal Housing Opportunity. You are welcome to finance this purchase with any lender you choose. Cash offers are welcome too.

Creciente & the South End

A gated stretch of beach with the amenities already paid for.

Creciente is three nine-story buildings sitting together on the Gulf at the south end of Fort Myers Beach, 172 units in all, sharing one association. The heated pool, the lighted tennis courts, the shuffleboard, the fitness room, the clubhouse and community room, the library, the grills, the extra storage: all of it is covered by the fee you're already paying.

Beach access is private and the sand out front is the good white stuff. The lobby is secured and so is the garage. The association manages the buildings from an office on site rather than from a company two counties away.

Fort Myers Beach Elementary is the zoned elementary school. Middle and high school assignments run through Lee County's school choice program.

Association
172 units, 3 buildings
This Building
9 floors, 6 per floor
Leasing
12/yr · 30-day min
Pets
1 allowed, limits
Buyer Approval
Required by board
Right of First Refusal
None
WEBCreciente Owners SiteAssociation news and contacts PDFDeclaration, Bylaws & RulesRecorded 2006, all three buildings
Do Your Homework Here

Every document, before you even ask.

Serious buyers want the paperwork early, and a 1975 beach building deserves more of it than most. It's all here. Read what you need, then come see it in person.

Lee County Property Appraiser Record Open in Apple Maps Open in Google Maps

Need something that isn't posted here, like meeting minutes, financial statements or insurance certificates? Ask us and we'll pull it from the association's records for you.

See It In Person

Schedule a showing.

Martin and Kim Hawley
Martin & Kim Hawley, REALTORS®
The Hawley Team · Keller Williams Realty Fort Myers and the Islands
Martin (239) 355-4040 · Kim (239) 420-9027 · martin@teamhawley.com
The Hawley Team, Keller Williams Realty Fort Myers and the Islands

The penthouse is vacant, so showings are easy and usually same day. Call or text and we'll set a time. Already working with your own agent? Have them reach out and we'll take care of the rest.

Ready?

Make an offer.

Whoever buys this one will be somebody who read this page to the bottom, opened the reserve study, and decided the view was worth the homework. Here is exactly how to do it, with no mystery in the process.

  1. Use the Florida AS-IS Residential Contract. Your agent will know it. If you don't have an agent, call us and we'll walk you through your options.
  2. Attach your preapproval letter, or proof of funds if you're paying cash.
  3. Include the signed disclosures from the documents section above: seller's property disclosure, flood disclosure, lead-based paint disclosure and the condominium rider.
  4. Email the package to martin.hawley@kw.com. We confirm receipt of every offer, and we present every offer.

Build the board approval timeline into your contract. The association's approval of a buyer is required, and the seller starts that process within five days of the effective date.

Start Your Offer Email Questions First? Call Martin
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