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Bean Group
Offered at $769,900Active
beds
4
baths
2
sq ft
2,204
Built
2005

2909 SW 38th Street

Cape Coral, FL 33914

About this home

Gulf access. Pool. Surfside. And no flood insurance required. That combination alone makes this home stand out and opportunities offering this much value in one of Cape Coral’s most sought after neighborhoods don’t come around often. Located outside of a flood zone with no flood insurance required, this beautifully maintained waterfront home delivers more than 2,200 square feet of living space and the Southwest Florida lifestyle buyers are looking for without sacrificing peace of mind. Built in 2005, the owners have already taken care of the big ticket items, including a new roof 2023, new A/C system, and extensive hurricane protection with impact windows, electric roll down shutters, and accordion shutters protecting all major openings. For boaters, this is where it gets even better. The property sits along a Gulf access canal with an expansive captain’s walk and electric already in place giving you the foundation to create your future dock and lift setup. A fenced backyard adds another layer of privacy and functionality. Inside, natural light takes center stage. A wall of windows and four sets of sliding glass doors showcase the canal views and create the indoor outdoor connection Florida living is all about. Tile flooring runs throughout the home, complemented by granite countertops in every bathroom, stainless steel appliances, custom blinds, and plantation shutters. The spacious primary suite continues the waterfront experience with beautiful canal views of its own. Then step outside. A large under truss lanai opens to your private backyard oasis and heated pool, creating the perfect setting for morning coffee, sunset cocktails, entertaining friends, or simply enjoying Southwest Florida year round weather. Gulf access. Heated pool. Over 2,200 square feet. Major updates. Hurricane protection. Surfside location. And no flood insurance required. Finding all of that in one home is difficult. Finding it at a compelling value is even harder. This is the one buyers have been waiting for. Schedule a showing today.

Listing last checked: Listing updated:

Listed by James Boyer · Serhant · MLS #2026036999

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Details at a glance

Interior3 property facts
Heating
Central, Electric
Cooling
Central Air, Ceiling Fan(s), Electric
Flooring
Tile
Building4 property facts
Style
Single Family Residence
Year built
2005
Garage
2
Roof
Shingle
Land & utilities4 property facts
Lot size
0.245 acres
Water
AssessmentPaid
Sewer
AssessmentPaid
Waterfront
Y
Financial3 property facts
Annual taxes
$1,178
Assessment year
2025
HOA fee
$0 (billing period not supplied)

Location

Estimated monthly cost

Explore costs at the $769,900 asking price. Adjust the assumptions to your situation.

Known monthly costs$3,991 / monthAdjust
Principal & interest
$3,893
Property tax
$98
Insurance
Not entered
HOA
$0

Listing annual taxes: $1,178. 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

    $775,000 · Jul 29, 2026

  2. Sld

    $699,900 · Sold $679,000 · May 26, 2023

  3. Sld

    $374,900 · Sold $363,500 · Oct 4, 2012

  4. Sld

    $152,000 · Sold $147,500 · May 17, 2003

More property insights

Comparable properties 3 supplied

Sold Aug 10, 2026

$759,000

2828 SW 33rd Terrace

Sold Aug 28, 2026

$836,000

2714 SW 28th Place

Sold Jul 31, 2026

$730,000

1629 SW 43rd Terrace

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About 2909 SW 38th Street

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