322 NE 20th ST, Cape Coral, FL 33909

• 4 beds |
• 3 baths |
• 2,264 sqft

Property Description

Custom Waterfront Luxury on a Freshwater Canal – Estimated Completion December 2026! Experience the ultimate Florida waterfront lifestyle in this stunning, high-end custom home. Situated on a premium freshwater lot with a brand-new completed seawall, your backyard opens up to an intersecting 400-mile freshwater canal system. Fish, canoe, or take your pontoon boat out right from your own property. Best of all, enjoy absolute freedom and peace of mind: this home is situated entirely out of the flood zone, requiring No Flood Insurance, No HOA, No CDD, and No Water Bill. Interior Features & Multi-Generational Layout Designed with soaring high ceilings and premium finishes throughout, this single-story 4-bedroom, 3-bathroom home, Two Master Suites with Full Bathroom's and Access to the Pool Lanai Area, completely redefines "cookie-cutter." The heart of the home is a spectacular chef’s kitchen featuring a 10-foot island with a modern waterfall edge. The highly desirable floor plan boasts TWO Master Suites (perfect for an in-law suite setup). Both primary bedrooms feature luxurious full bathrooms, walk-in closets with custom shelving, and direct private access to the covered lanai and pool area. Outdoor Oasis & Climate-Controlled Garage Step out to your private backyard retreat, complete with a custom saltwater pool and spacious covered lanai. An elegant pavered driveway leads to a fully finished, attached 2-car garage that will thrill car enthusiasts and hobbyists. It is fully drywalled, features soundproof spray foam insulation, pull-down attic stairs for extra storage, and comes with its own dedicated AC and heating system—effectively expanding your climate-controlled footprint. Efficiency, Tech & Construction Full energy-efficient, Low-E impact glass on all exterior windows and doors. Ring security system included for both the front and backyard. 2-10 Home Warranty included for complete peace of mind. Upgrade Option: Buyers have the option to upgrade to interior metal framing and full-home spray foam insulation. Exclusive Promotions & Financing Incentives Builder Promo: Put this home under contract with selective upgrades, and receive a FREE $10,000 whole-house reverse osmosis system. Zero Down Financing: 100% lender financing available with NO money down and NO mortgage insurance premium (PMI). First-Time Homebuyer Special: Use the preferred lender and receive an additional $3,000 toward closing costs with a 3% down / NO PMI loan program. Please Note: Construction has started with an estimated completion date of December 2026. The photos provided are of a similar model home (which is available to view) for illustrative purposes only, and may feature upgraded options from previous builds. This home is currently under construction.

Listing Status:

Active

Date Added:

August 20, 2026

Data Last Updated:

September 29, 2026 at 7:23PM

Listing Office:

LoKation : 239-676-6828

Listing Agent:

Luis Coriano : 757-969-3822

MLS ID:

2026034667

Interior

• General: Built-in FeaturesBedroom on Main LevelFamily/Dining RoomFrench Door(s)/Atrium Door(s)Kitchen IslandLiving/Dining RoomMultiple Primary SuitesCable TVWalk-In Closet(s)
• Appliances: Double OvenDishwasherElectric CooktopDisposalIce MakerMicrowaveRefrigeratorRefrigeratorWithIce MakerWater Purifier
• Laundry: Inside
• Flooring: Tile
• A/C: Heat Pump
• Heating: Heat Pump

Exterior

• General: Security/High Impact DoorsSprinkler/IrrigationOutdoor Grill
• Style: RanchOne Story
• Other Structures: PorchOpen
• Pool: Electric HeatHeated
• Parking: AttachedGarageTwo Spaces

Construction

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

Location

• HOA Amenities: Cable TV0.0
• Originating MLS: FGC_FORT
• County: Lee

Lot

• Zoning: CAPE CORAL UNIT 36 PT 1 BLK 2545 PB 23 PG 94 LOTS 33 + 3436-43-23-C4-02545.0330
• View: CanalView

Utilities

• Utilities: Cable Available
• Sewer: Septic Tank

Financial

• Source: FGC_FORT
• Ownership: Single Family