1107 SE 38 ST, Cape Coral FL 33904, CAPE CORAL, FL, 33904
Active161 days on marketListed Mar 11, 2026MLS #A11981185
About this home
1107 SE 38 ST, Cape Coral FL 33904
Exquisite Gulf Access residence located in the heart of Cape Coral, FL. Built in 2025, this modern home exudes contemporary elegance on a 0.12-acre lot, offering unparalleled craftsmanship and exceptional amenities. Spanning 1898 square feet of stylishly efficient living space, this home is graced by porcelain tile throughout. It features 3 spacious bedrooms with upgraded closets for your convenience, and 2 pristine bathrooms outfitted with high-quality fixtures, The kitchen is finished with quartz countertops and stainless-steel appliances, framed by upgraded cabinetry. Impact windows & doors throughout the home. Paved driveway and spacious 2-car garage, providing ample storage and parking space. The property boasts Gulf access via its canal front. No HOA. Own a piece of paradise!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,272
Sqft
2
Garage
2025
Year built
$354
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,245 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,245/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+9.6%
$/sqft vs Cape Coral
$354 vs $249
Days on market
161 vs 50 typical
Where $354/sqft sits among the 139 homes for sale in Cape Coral
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Cape Coral
Get to know Cape Coral. See the full Cape Coral guide →
CAPE CORAL 33904 — neighborhood snapshot
Population
32,925
Median age
58.6
Median income
$66,933
Median home value
$347,100
Avg household
2.21
Households w/ children
1,918
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cape Coral market
$375K → $408K
Cape Coral median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
53 of 139
Cape Coral have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% below the CAPE CORAL 33904 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 1107 SE 38 ST
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$254,000
1714 NE 40TH LANE · same community
3 bd · 2 ba · 1,357 sqft · $187/sqft · 43 DOM
Sold · Mar ’26$298,000
4404 SW 7TH AVENUE · same community
3 bd · 2 ba · 1,359 sqft · $219/sqft · 51 DOM
Sold · Dec ’25$260,000
930 SW 34TH STREET · same community
3 bd · 2 ba · 1,182 sqft · $220/sqft · 68 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1107 SE 38 ST — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1107 SE 38 ST — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1107 SE 38 ST FAQs
What would the monthly payment be for 1107 SE 38 ST, Cape Coral FL 33904?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,245/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1107 SE 38 ST, Cape Coral FL 33904?+
The most recent tax bill on record (2025) was $2,853. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1107 SE 38 ST, Cape Coral FL 33904?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Cape Coral?+
At $449,900, this home is priced right at the Cape Coral median.
Which schools are assigned to 1107 SE 38 ST, Cape Coral FL 33904?+
Pelican Elementary School (elementary), Cape Coral High School (high), Cape Elementary School (elementary), Gulf Middle School (middle), Gulf Elementary School (elementary), Ida S. Baker High School (high), Trafalgar Middle School (middle), Mariner High School (high), North Fort Myers High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
161 days on market against a Cape Coral median of 50 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Pelican Elementary School, Cape Coral High School, Cape Elementary School, Gulf Middle School, Gulf Elementary School, Ida S. Baker High School, Trafalgar Middle School, Mariner High School, North Fort Myers High School — Gulf Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Nustar Realty, Inc. · Oniel Graveran. MLS #A11981185.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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