$769,900
4 Bed Pool Home for Sale in Cape Coral
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.
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%)
- $10,779/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
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 8 comparable homes sold nearby in the last 12 months. Indicative, not an appraisal.
Seeing several homes? Build a tour and we'll route it for you.
Your notes on this home
Keep private notes on this home, what you love, what to ask about, saved to your account and shared with your agent.
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 |
| 2828 SW 33rd Terrace | Aug 2026 | $759,000 | 4/3 | 2,390 | $318 |
| 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 |
| 3417 SW 25th Court | Jul 2026 | $730,000 | 3/3 | 2,316 | $315 |
| 2813 SW 31st Lane | Apr 2026 | $670,000 | 3/2 | 2,331 | $287 |
| Average | 6 comps | $714,833 | $316 |
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.
Similar homes nearby
$920,000
MLS# 2250573875332 SW 11th Place, Cape Coral, FL, 33914
$675,000
MLS# 20260235564010 SW 19th Place, Cape Coral, FL, 33914
$799,000
MLS# 20260221164009 SW 25th Court, Cape Coral, FL, 33914
$799,900
MLS# 20260215254933 Seville Court, Cape Coral, FL, 33904
$869,900
MLS# 20260081832724 Gleason Parkway, Cape Coral, FL, 33914
$665,000
MLS# 20260320425310 Bayshore Avenue, Cape Coral, FL, 33904
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.