2909 SW 38th ST, Cape Coral, FL 33914

• 4 beds |
• 2 baths |
• 2,204 sqft

Property Description

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 Status:

Active

Date Added:

September 1, 2026

Data Last Updated:

September 29, 2026 at 10:06PM

Listing Office:

Serhant : (646) 480-7665

MLS ID:

2026036999

Interior

• General: BarBuilt-In CabinetsFoyerFrench DoorsPantryWindow CoveringsPull Down StairsSmoke DetectorsTray Ceiling(s)Walk-In Closet(s)Wet BarWheel Chair Access
• Kitchen: IslandPantry
• Appliances: Electric CooktopDishwasherDisposalDryerRefrigerator/FreezerSelf Cleaning OvenWasher
• Dining: Dining - FamilyDining - LivingEat-in Kitchen
• Laundry: Laundry in Residence
• Flooring: Tile
• A/C: Ceiling Fan(s)Central ElectricExhaust Fan
• Heating: Central Electric
• Disability Feature: Wheel Chair Access

Exterior

• General: Captain's WalkScreened Lanai/Porch
• Style: RanchSingle Family
• Pool: Below GroundConcreteCustom UpgradesElectric HeatScreen Enclosure
• Parking: Driveway PavedAttachedParking spaces: 2

Construction

• Roofing: Shingle
• Windows: Window Coverings
• General: Concrete BlockStucco1Concrete Block

Location

• HOA Amenities: 0.0
• Originating MLS: Florida Gulf Coast
• County: Lee

Lot

• Zoning: R1CAPE CORAL UNIT 74 BLK 4908 PB 22 PG 119 LOTS 4 + 505-45-23-C4-04908.0040
• View: CanalPool/ClubWaterView
• Restrictions: No Commercial

Utilities

• Water: Assessment Paid

Financial

• Source: Florida Gulf Coast