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Bean Group
Offered at $649,000Active
beds
4
baths
3
sq ft
2,468
Built
1989

144 SW 38th Terrace

Cape Coral, FL 33914

Upcoming open house

Sat, Oct 10 · 11:00 AM–2:00 PM

Arrive prepared. Get the October 2026 Cape Coral Bean Group Buyer’s Guide before you tour.

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

  1. Ter

    $695,400 · Nov 14, 2025

  2. Sld

    $189,000 · Sold $189,000 · Oct 24, 2000

More property insights

Comparable properties 3 supplied

Sold Aug 19, 2026

$590,000

3411 SW 2nd Avenue

Sold Sep 9, 2026

$600,000

601 SE 30th Street

Sold Aug 26, 2026

$680,000

5610 Sundown Harbor Court

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About 144 SW 38th Terrace

Can I request a private showing?

Request a tour of 144 SW 38th Terrace and a Bean Group agent will help coordinate an available time with the listing side.

Can you help me evaluate this property?

Yes. We can discuss condition, comparable sales, offer strategy and the questions worth asking before you decide whether to proceed.

Are property documents available?

Availability varies by property and source. Request the documents you need and we will help obtain what is available.