$775,000
4 Bed 2 Bath Pool Waterfront SingleFamilyResidence for Sale in CAPE CORAL, FL
2909 SW 38th Street, Cape Coral, FL, 33914
About this home
Not located in a flood zone, with no flood insurance required—a rare and valuable advantage for a Gulf access home in the highly sought-after Surfside neighborhood. Where else can you find a Gulf access pool home offering this much value? Opportunities like this are incredibly rare.This beautifully maintained, waterfront home perfectly combines modern updates, spacious living, and the Florida lifestyle you’ve been dreaming of. Built in 2005 and offering more than 2,200 square feet of living space, this home provides peace of mind with a new roof (2023), a new A/C system, and complete hurricane protection, including hurricane windows, electric roll-down and accordion shutters on all major openings. Boating enthusiasts will appreciate the Gulf access canal, expansive captain’s walk with electric service already in place for your future dock or lift, and the fenced backyard that offers both privacy and convenience. Inside, you’ll find tile flooring throughout, granite countertops in every bathroom, stainless steel appliances, custom blinds, plantation shutters, and four sets of sliding glass doors. A wall of windows fills the home with natural light while showcasing beautiful canal views from the main living areas and the spacious primary suite. Step outside to your private backyard oasis, where a large under-truss lanai provides plenty of shade overlooking the heated pool—the perfect place to relax, entertain guests, or enjoy Southwest Florida’s year-round sunshine. If you’ve been searching for a move-in-ready Gulf access pool home in one of Cape Coral’s most desirable neighborhoods, offering generous living space, major updates, waterfront boating access, and exceptional value—with the added benefit of no flood insurance requirement—this is the one you’ve been waiting for.
Property details
- Type
- SingleFamilyResidence
- Year built
- 2005
- Interior
- 2,204 sqft
- Lot size
- 10,672.2 sqft
- Acreage
- 0.24 acres
- Garage
- 2 car
- Days on market
- 0
- Total association fees
- None
- CDD
- None
- Est. taxes (1.4%)
- $10,850/yr
- Flood zone (area est.)
- Yes · High risk (AE)
- Storm protection
- Impact Windows/Doors
- Exposure
- North
- Waterfront
- Yes
- Gulf access
- No
- Gulf access type
- N/A
- Pool
- Yes
- Spa
- No
- Natural gas
- No
- Water
- Assessment Paid
- Sewer
- Assessment Paid
- New construction
- No
- Pets
- Yes
- County
- Lee
Maintenance included in the fee
What the association dues cover, per the MLS. Confirm the full schedule with the HOA.
Flood risk shown is an area-level estimate and can differ from a specific unit's actual FEMA designation (which varies by structure and elevation). Look up this address on the FEMA Flood Map and verify with a licensed insurance agent before relying on it.
Based on the $/sqft of 7 comparable homes sold nearby in the last 12 months. Indicative, not an appraisal.
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Your notes on this home
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Recently sold nearby
Closed comparable sales within ~1 mile in the last 12 months — similar price, size, beds/baths, and age.
| Address | Sold | Sold price | Beds/Baths | Sq ft | $/sqft |
|---|---|---|---|---|---|
| 3721 Surfside Boulevard | Jul 2026 | $715,000 | 3/3 | 2,262 | $316 |
| 3009 Beach Parkway | Dec 2025 | $750,000 | 3/2 | 2,245 | $334 |
| 2616 SW 41st Street | Apr 2026 | $665,000 | 3/2 | 2,028 | $328 |
| 2526 SW 32nd Lane | Aug 2025 | $800,000 | 3/3 | 2,276 | $351 |
| 2813 SW 31st Lane | Apr 2026 | $670,000 | 3/2 | 2,331 | $287 |
| 2623 SW 43rd Terrace | Sep 2025 | $700,000 | 4/2 | 2,365 | $296 |
| Average | 6 comps | $716,667 | $319 |
Market trends — Cape Coral
Median of closed MLS sales each month over the available window. Months with too few sales are omitted; the range extends automatically as more sales close.
Live area medians from the MLS · see all listings. Indicative, not an appraisal.
The good, the trade-offs & the location
- Built 2005 — post-2002 Florida wind codes (typically lower insurance)
- Private pool
- Waterfront
- Storm protection: Impact Windows/Doors
- 2-car garage
- In a higher-risk flood zone (AE) — flood insurance likely required
Straight-line distances to major SWFL amenities — approximate; actual drive times vary.
Nearby schools
Get more information on their programs, scores, and extracurriculars on each school's page · browse the full schools directory.
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Listing information is provided in part by the Florida Gulf Coast Multiple Listing Service (MLS) through its Broker Reciprocity / Internet Data Exchange (IDX) program. Properties displayed may be listed by brokerages other than SWFL Relocation Team. Data is deemed reliable but is not guaranteed accurate by the MLS or this brokerage and should be independently verified. Fees, flood zones, taxes, square footage, and school assignments are estimates from the feed and must be confirmed. © 2026 SWFL Relocation Team. All rights reserved.