2909 SW 38th ST, Cape Coral, FL 33914

• 4 beds |
• 2 baths |
• 2,204 sqft

Property Description

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.

Listing Status:

Active

Date Added:

July 29, 2026

Data Last Updated:

July 29, 2026 at 12:21PM

Listing Office:

RE/MAX Nautical Realty : 239-542-3332

Listing Agent:

Kyle McMonigle : 443-328-5337

MLS ID:

2026032154

Interior

• General: Breakfast BarBuilt-in FeaturesBathtubTray Ceiling(s)Handicap AccessKitchen IslandPantrySeparate ShowerCable TVWalk-In PantryWalk-In Closet(s)Split Bedrooms
• Appliances: CooktopDishwasherElectric CooktopFreezerDisposalIce MakerMicrowaveRefrigeratorRefrigeratorWithIce Maker
• Flooring: Tile
• A/C: Central AirCeiling Fan(s)Electric
• Heating: CentralElectric

Exterior

• General: FenceSecurity/High Impact DoorsSprinkler/IrrigationShutters Electric
• Style: RanchOne Story
• Other Structures: PorchScreenedLanai
• Pool: ConcreteIn GroundScreen EnclosureSee Remarks
• Parking: AttachedDrivewayGaragePavedGarage Door Opener

Construction

• Roofing: Shingle
• Windows: Impact Glass
• General: BlockConcreteStucco1

Location

• HOA Amenities: NoneRoad MaintenanceSewerStreet LightsTrashWater0.0
• Originating MLS: FGC_FORT
• County: Lee

Lot

• Zoning: CAPE CORAL UNIT 74 BLK 4908 PB 22 PG 119 LOTS 4 + 505-45-23-C4-04908.0040
• View: CanalView

Utilities

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

Financial

• Source: FGC_FORT
• Ownership: Single Family