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$775,000 Just Listed
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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.
Full Property Details
Full Property Details for 2909 SW 38th St
General
- Price: $775,000
- Taxes: (2025)
- Status: Active
- Type: Single Family
- Source: Bonita_Springs
- MLS ID: 2026032154
- Updated: 7/29/2026
- Added to Site: 2 day(s) ago
Interior
- Interior Features: Split Bedrooms, Family Room, Florida Room, Built-In Cabinets, Wired for Data, Pantry, Tray Ceiling(s), Walk-In Closet(s)
- Appliances: Cooktop, Electric Cooktop, Dishwasher, Disposal, Microwave, Refrigerator, Refrigerator/Freezer, Refrigerator with Icemaker
- Furnishings: Negotiable
- Flooring: Tile
Rooms
Bathrooms
- Total Bathrooms: 2
- Full Bathrooms: 2
- Primary Bathroom: ADA Accessible, Separate Tub And Shower
Bedrooms
- Total Bedrooms: 4
Other Rooms
- Kitchen: Kitchen Island, Pantry, Walk-In Pantry
- Dining Room: Breakfast Bar
Additional Information
- Shared Amenities: None, Boating, Non-Gated
- Pool: Yes
- Private Pool: Yes
- Pool Description: In Ground, Concrete, Custom Upgrades, Screen Enclosure, See Remarks
Exterior
- Exterior Features: Dock, Captain's Walk, Water Avail at Dock, Automatic Sprinkler
- Porch/Patio/Deck: Screened Lanai/Porch
Parking
- Garage: Yes
- Attached garage: Yes
- Garage Spaces: 2
- Covered Spaces: 2
- Parking Features: Driveway Paved, Paved, Garage Door Opener, Attached
Location
- Area: CC22 - Cape Coral Unit 69, 70, 72-
- County: Lee
- Subdivision: CAPE CORAL
- Building Name: CAPE CORAL
- Driving Directions: gps
- Direction Faces: South
Community
- Assoc. Fees Include: None, Sewer, Street Lights, Street Maintenance, Trash, Water
- Units Assoc/Comm: 1
- Pets Allowed: Yes
- Management Type: None
Heating & Cooling
- Air Conditioning: Yes
- Cooling Type: Ceiling Fan(s), Central Electric
- Heating Type: Central Electric
Utilities
- Sewer: Assessment Paid
- Water: Assessment Paid
- Cable Available: Yes
- Utility Description: Cable Available
Structural Information
- Description/Design: Single Family Residence
- Exterior Const.: Concrete Block, Stucco
- Roof: Shingle
- Windows: Impact Resistant, Impact Resistant Windows, Shutters Electric
- Doors: Impact Resistant Doors
- Stories/Levels: 1
- Stories in Building: 1
- Square Feet: 2,204
- Sq. Ft. Source: Property Appraiser Office
- Living Area: 2,204 Sq. Ft.
- Year Built: 2005
Lot Features
- Property View: Canal
- Lot Size (Acres): 0.245
- Lot Size (Sq. Ft.): 10,672
- Lot Size Source: Property Appraiser Office
- Lot Dimensions: 90 x 80 x 125 x 125
- Frontage Feet: 90
- Fence: Yes
- Irrigation System: Assessment Paid, Central, Reclaimed
- Lot Features: Cul-De-Sac
- Zoning: R1
- Lot Description: Cul-De-Sac
- Fencing (Description): Fenced
Water Features
- Water Front: Yes
- Gulf Access: Yes
- Water Front Desc.: Bridge(s)/Water Indirect, Canal Front, Seawall
- Canal Width: Canal Width 81-120
- Boat Dock Slip: Yes
Financial Considerations
- Tax Year: 2025
- Terms: Buyer Finance/Cash
Disclosures and Reports
- Ownership: Single Family
- Legal Description: CAPE CORAL UNIT 74 BLK 4908 PB 22 PG 119 LOTS 4 + 5
- Property ID: 05-45-23-C4-04908.0040
- Section: 5
- Block: 4908
- Lot Number: 4
Listed by RE/MAX Nautical Realty
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Schools
Schools serving 2909 SW 38th St
School District:Lee County School District, Fort Myers, FL
| Name | Grades | Distance |
|---|---|---|
Gulf Elementary School 3400 Southwest 17th Place, Cape Coral, FL 33914 | K-5 | 1.4 mi |
Pelican Elementary School 3525 Southwest 3rd Avenue, Cape Coral, FL 33914 | K-5 | 3.4 mi |
Cape Elementary School 4519 Vincennes Boulevard, Cape Coral, FL 33904 | K-5 | 5.5 mi |
Gulf Middle School, Cape Coral, FL 1809 Southwest 36th Terrace, Cape Coral, FL 33914 | 6-8 | 1.4 mi |
Trafalgar Middle School 2120 Trafalgar Parkway, Cape Coral, FL 33991 | 6-8 | 2.9 mi |
Ida S. Baker High School 3500 Agualinda Boulevard, Cape Coral, FL 33914 | 9-12 | 1.2 mi |
Cape Coral High School 2300 Santa Barbara Boulevard, Cape Coral, FL 33991 | 9-12 | 4 mi |
Mariner High School 701 Chiquita Boulevard North, Cape Coral, FL 33993 | 9-12 | 6 mi |
North Fort Myers High School 5000 Orange Grove Boulevard, North Fort Myers, FL 33903 | 9-12 | 9.5 mi |
Disclaimer:
School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.
Price & Sales History for 2909 SW 38th St
Date
Details
Price
Change
Source
7/29/2026
Listed
$775,000
14.14%
MLS
3/11/2024
Sold
$679,000
—
Public Record
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Tax History
Tax History for 2909 SW 38th St
Year
Property Taxes
Change
Tax Assessment
Change
2025
$1,178
-79%
$547,088
63%
2024
$5,569
3%
$336,265
3%
2023
$5,402
-1%
$326,471
-18%
2021
$5,454
4%
$398,649
26%
2022
$5,231
-4%
$316,962
4%
2021
$5,454
-7%
$303,481
4%
2018
$5,890
—
$291,127
2%
2017
$5,895
1%
$285,139
-4%
2019
$5,854
—
$296,658
6%
2016
$5,847
-3%
$279,274
-10%
2015
$6,010
1%
$310,692
11%
2014
$5,931
6%
$280,679
-5%
2013
$5,615
—
$295,687
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.
Estimate the Cost
Estimate the Cost for 2909 SW 38th St
2909 SW 38th St, Cape Coral, FL 33914 (MLS# 2026032154) is a Single Family property with 4 bedrooms and 2 full bathrooms. 2909 SW 38th St is currently listed for $775,000 and was received on July 29, 2026. Want to learn more about 2909 SW 38th St? Do you have questions about finding other Single Family real estate for sale in Cape Coral? You can browse all Cape Coral real estate or contact a Coldwell Banker agent to request more information.

