2323 SW 22nd ST, Cape Coral, FL 33991

• 3 beds |
• 2 baths |
• 1,807 sqft

Property Description

Beautiful 2016 WATERFRONT Home with TRANSFERABLE FLOOD INSURANCE ONLY $1391/YR! Homeowners insurance is ONLY $1593! Less than $3k combined. This home is nestled into the amazing SURFSIDE community! Located on one of the BEST & WIDEST FRESHWATER canals in all of Cape Coral, this 3 + a den has EVERYTHING you will want in this MODERN Florida home. The MASTER BEDROOM has a TRAYED CEILING sporting over 200+ sq ft. The MASTER SHOWER has a jetted-spa style of TUB and DUAL SHOWERHEADS in a FULL WALK-IN SHOWER! All TILE flooring leads into a huge OPEN CONCEPT living room. The kitchen has 42" SHAKER cabinets and QUARTZ countertops and all STAINLESS STEEL APPLIANCES! There is a HUGE ISLAND with bar stools that backs up in to an AMAZING ENCLOSED SUN ROOM/LIVING ROOM that has its own SMART MINI SPLIT system. Watching TV and sitting with FRIENDS & FAMILY w/o mosquitoes is the best way to live ON THE WATER! Feel free to open up the screened-in-windows for the "lanai feel." Wanting to feel the breeze with a little bit of shade? Hang out on the PAVER PAD under the shade of the BRAND NEW GAZEBO! Plenty of room for a pool. The full CONCRETE DOCK is awesome for fishing or for mooring your boat. This property is FULLY FENCED in to keep your fur babies safe 8-) The beauty about having CHEAP FLOOD INSURANCE is that if ANY WATER enters the home from a flood, the payout is $250-$300k plus the HomeOwner's on top of that. Homes can be rebuilt to the most modern tech for 1/4 of that. The average electric bill in this ENERGY EFFICIENT home is ONLY $240/month! Possibly thinking about Snow-Birding? This property can be rented out for $3k-5k depending on the month -- managed by a successful local company AF Vacation Rentals & Management LLC. So many opportunities for this property to PAY FOR ITSELF, why not stop by and see one of the only 2016+ WATERFRONT homes on CITY-WATER under $500K?? There are UNBEATABLE FINANCING OPTIONS and SELLER CONCESSIONS available with an ACCEPTED OFFER. Rates as low as 5.5% WAC!! Facetime Showings available for out-of-state BUYERS.

Listing Status:

Active

Date Added:

December 30, 2025 at 06:00AM

Listing Office:

RE/MAX Realty Team : 239-242-2000

Listing Agent:

Anthony Daniels : 239-994-6844

MLS ID:

2025026223

Interior

• General: Breakfast BarBathtubTray Ceiling(s)Living/Dining RoomMultiple Shower HeadsMain Level PrimaryPantrySeparate ShowerSplit Bedrooms
• Appliances: DryerDishwasherIce MakerRangeRefrigeratorRefrigeratorWithIce MakerWasher
• Laundry: Inside
• Flooring: Tile
• A/C: Central AirCeiling Fan(s)Electric
• Heating: CentralElectric

Exterior

• General: Sprinkler/IrrigationPatioShutters Manual
• Style: RanchOne Story
• Other Structures: Patio
• Parking: AttachedGarageTwo Spaces

Construction

• Roofing: Shingle
• Windows: Double Hung
• General: BlockConcreteStucco1

Location

• HOA Amenities: 0.0
• Originating MLS: FGC_FORT
• County: Lee

Lot

• Zoning: CAPE CORAL UNIT 94 BLK 5992 PB 25 PG 39 LOTS 6 + 728-44-23-C4-05992.0060
• View: CanalView

Utilities

• Utilities: Cable AvailableHigh Speed Internet Available
• Water: Assessment PaidPublic
• Sewer: Assessment PaidPublic Sewer

Financial

• Source: FGC_FORT
• Ownership: Single Family

This listing courtesy of Anthony Daniels, RE/MAX Realty Team