About this home
Step into this exceptional 4-bedroom, 3-bath SW Cape Coral residence, where modern luxury meets effortless waterfront living. Designed around an expansive open concept, the interior seamlessly connects daily living and entertaining spaces, anchored by the kitchen with solid-surface countertops, a generous island that opens directly into the main family room. Durable tile flooring spans the home, perfectly complementing the beautifully renovated bathrooms. Upstairs, a private 2020 addition houses a secluded fourth bedroom featuring its own screened balcony—making it an ideal setup for guests, a private sanctuary, or an executive home office. Outside, the screened lanai and pool offer a private backyard haven, but the real showstopper lies just beyond the patio for boating enthusiasts: Gulf access equipped with a Wear Deck dock and dual 10,000-lb boat lifts installed in 2021. Top-tier structural and technical upgrades provide complete peace of mind and unmatched energy efficiency. A fully paid-off whole-house solar system with battery storage keeps utility expenses down to roughly $25 a month. Additional highlights include a durable standing seam metal roof (2020), full impact windows, an epoxy-finished garage, and an integrated smart home setup with the capability to manage security cameras, lighting, and boat lifts. Located minutes from top SW Cape Coral dining, shopping, and schools, this home delivers the ultimate Florida coastal lifestyle.
Listing last checked: Listing updated:
Listed by Susan Smith, Smitty Smith · ERA Cape Realty · MLS #2026036780
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Details at a glance
Interior4 property facts
- Rooms
- 0
- Heating
- Central, Electric
- Cooling
- Central Air, Ceiling Fan(s), Electric, Zoned
- Flooring
- Tile
Building4 property facts
- Style
- Single Family Residence
- Year built
- 1989
- Garage
- 2
- Roof
- Metal
Land & utilities4 property facts
- Lot size
- 0.23 acres
- Water
- Public
- Sewer
- Public Sewer
- Waterfront
- Y
Financial3 property facts
- Annual taxes
- $6,662
- Assessment year
- 2025
- HOA fee
- $0 (billing period not supplied)
Location
Estimated monthly cost
Explore costs at the $649,000 asking price. Adjust the assumptions to your situation.
Known monthly costs$3,837 / monthAdjust
- Principal & interest
- $3,282
- Property tax
- $555
- Insurance
- Not entered
- HOA
- $0
Listing annual taxes: $6,662. Initial monthly tax is one twelfth of that amount. Listing HOA fee: $0.
Partial estimate: add insurance to include those costs. Blank amounts are unknown.
The initial 6.5% rate is illustrative, not a current rate or lender quote. Excludes utilities, maintenance, closing costs and mortgage insurance, which may apply with a down payment below 20%. Taxes and insurance can change.
Price and status timeline
- Ter
$695,400 · Nov 14, 2025
- Sld
$189,000 · Sold $189,000 · Oct 24, 2000
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About 144 SW 38th Terrace
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Request a tour of 144 SW 38th Terrace and a Bean Group agent will help coordinate an available time with the listing side.
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