409 NE 25th Ter, Cape Coral FL 33909, CAPE CORAL, FL, 33909
Active93 days on marketListed May 17, 2026MLS #A12019440
About this home
409 NE 25th Ter, Cape Coral FL 33909
Enjoy ultimate peace of mind & INSURANCE SAVINGS in this UPDATED, move-in-ready 4BR/2BA/2CG home boasting a new 2023 ROOF & X-flood zone (NO FLOOD INS. REQUIRED) w/ no HOA! One-Story Home on OVERSIZED CORNER LOT! This home offers a bright open-concept layout, VAULTED CEILINGS, and MODERN finishes. The home sits on an over 1/4 acre corner lot w/room for a pool. *OPEN-CONCEPT layout w/VAULTED ceilings & natural light *SPLIT bedroom floorplan for privacy *Primary bedroom suite has a large WALK-IN CLOSET, GRANITE countertops, modern fixtures, DOUBLE SINK, separate tub & shower and PRIVATE toilet closet *NEW Lifeproof wood-look flooring seamlessly throughout *Neutral color palette, MODERN light fixtures & recessed lighting *Welcoming foyer entry *Spacious EAT-IN kitchen w/GRANITE countertops & new Frigidaire stainless steel appliances *Oversized double sliders leading to the covered, screened-in patio. MAJOR UPDATES include *Roof (2023) *Water heater (2023) *Water pump (2024) *Updated finishes & modern touches throughout. OUTDOOR LIVING *Enjoy Florida living on the covered screened-in patio, overlooking the expansive CORNER LOT w/plenty of space to design your dream backyard or add a pool. PRIME LOCATION *Minutes from beaches, boat ramps, & outdoor recreation. Close to schools, parks, medical facilities, restaurants, retail, parks, & waterfront activities. This light & bright, updated home is perfect for buyers seeking a MOVE-IN-READY property w/strong value. *NO HOA *X FLOOD ZONE
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,837
Sqft
2
Garage
2005
Year built
$174
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.
$2,493 /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
$2,493/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
−13.4%
$/sqft vs Cape Coral
$174 vs $249
Days on market
93 vs 50 typical
Where $174/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 33909 — neighborhood snapshot
Population
36,917
Median age
38
Median income
$79,096
Median home value
$292,800
Avg household
2.88
Households w/ children
4,297
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)
55 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 357% above the CAPE CORAL 33909 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 409 NE 25th Ter
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$305,000
2730 NW 6TH STREET · same community
4 bd · 2 ba · 1,830 sqft · $167/sqft · 14 DOM
Sold · Dec ’25$560,000
210 SW 37TH TERRACE · same community
3 bd · 2 ba · 1,856 sqft · $302/sqft · 163 DOM
Sold · Dec ’25$390,000
1726 SE 2ND STREET · same community
3 bd · 2 ba · 1,811 sqft · $215/sqft · 75 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 409 NE 25th Ter — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 409 NE 25th Ter — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
409 NE 25th Ter FAQs
What would the monthly payment be for 409 NE 25th Ter, Cape Coral FL 33909?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,493/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 409 NE 25th Ter, Cape Coral FL 33909?+
The most recent tax bill on record (2024) was $3,697. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Cape Coral?+
At $319,900, this home is listed about 28% below the Cape Coral median of $447,000. The market section on this page shows how the area is trending.
Which schools are assigned to 409 NE 25th Ter, Cape Coral FL 33909?+
Diplomat Middle School (middle), Diplomat Elementary School (elementary), Dr Carrie D Robinson Littleton Elementary School (elementary), Tropic Isles Elementary School (elementary), Caloosa Middle School (middle), North Fort Myers High School (high), Caloosa Elementary School (elementary), Mariner High School (high), Island Coast High School (high), Hancock Creek Elementary School (elementary), Cape Coral High School (high), Ida S. Baker High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$319,900 runs 357% above the CAPE CORAL 33909 median.
02None & Other views
The none and other view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Diplomat Middle School, Diplomat Elementary School, Dr Carrie D Robinson Littleton Elementary School, Tropic Isles Elementary School, Caloosa Middle School, North Fort Myers High School, Caloosa Elementary School, Mariner High School, Island Coast High School, Hancock Creek Elementary School, Cape Coral High School, Ida S. Baker High School — Diplomat Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $331,900, now $319,900 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Realty · Denise Costello. MLS #A12019440.
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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