2309 SE 20TH PLACE, CAPE CORAL, FL, 33990
Active57 days on marketListed Sep 11, 2026MLS #A4704364
About this home
2309 SE 20TH PLACE
LUXURY WATERFRONT LIVING WITH RIVER ACCESS! Discover exceptional Florida waterfront living at this beautifully appointed two-story home located at 2309 SE 20th Place, Cape Coral. Featuring 5 bedrooms, 4 full bathrooms and 1 half bath, this impressive residence offers an exceptional combination of space, sophistication, and functionality. Situated on a canal with River/Gulf access and only one bridge to navigate, this property is ideally positioned for boating enthusiasts seeking convenient access to Southwest Florida's waterways. Enjoy days on the water followed by relaxing evenings beside the sparkling saltwater pool, creating the perfect setting for entertaining or simply enjoying the Florida lifestyle. Inside, the home showcases an impressive level of attention to detail and numerous upgrades throughout. The spacious two-story design provides generous living areas, thoughtfully designed bedrooms, and ample room for family and guests. High-quality finishes and carefully selected improvements create a refined yet comfortable atmosphere throughout the residence. The outdoor living area is equally impressive, offering the ideal extension of the home's interior spaces. Spend your mornings enjoying the waterfront views, afternoons in the pool, and evenings entertaining friends and family. Every aspect of this residence has been thoughtfully considered, from its desirable waterfront location and boating access to its extensive upgrades and beautifully maintained spaces. This is more than a home—it is an opportunity to experience the best of Cape Coral waterfront living. A truly special waterfront property ready to welcome its next owner.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,552
Sqft
0.23 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$338
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.
$8,928 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,928/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+16.2%
$/sqft vs CAPE CORAL
$338 vs $228
Days on market
57 vs 45 typical
Where $338/sqft sits among the 163 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 Four Mile Cove
Get to know Cape Coral. See the full Cape Coral guide →
Four Mile Cove — neighborhood snapshot
Population
717
Median age
62
Median income
$52,132
Median home value
$372,300
Avg household
2
Households w/ children
35%
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
$358K → $415K
Cape Coral median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
67 of 163
CAPE CORAL have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 225% above the CAPE CORAL 33990 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 2309 SE 20TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$655,000
2218 NW 37TH PLACE · same community
3 bd · 3.5 ba · 2,816 sqft · $233/sqft · 0 DOM
Sold · Dec ’25$1,050,000
2526 SW 25TH AVENUE · same community
4 bd · 3 ba · 2,611 sqft · $402/sqft · 24 DOM
Sold · Apr ’26$755,000
2515 SE 19TH AVENUE · same community
3 bd · 2.5 ba · 2,518 sqft · $300/sqft · 141 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2309 SE 20TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2309 SE 20TH PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2309 SE 20TH PLACE FAQs
What would the monthly payment be for 2309 SE 20TH PLACE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $8,928/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 2309 SE 20TH PLACE?+
The most recent tax bill on record (2025) was $9,202. 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 2309 SE 20TH PLACE?+
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 $1,200,000, this home is listed about 186% above the Cape Coral median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2309 SE 20TH PLACE?+
Caloosa Elementary School (elementary), Caloosa Middle School (middle), Cape Coral High School (high), Hancock Creek Elementary School (elementary), North Fort Myers High School (high), Tropic Isles Elementary School (elementary), Diplomat Elementary School (elementary), Diplomat Middle School (middle), Ida S. Baker High School (high), Dr Carrie D Robinson Littleton Elementary School (elementary), Mariner High School (high), Island Coast 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
$1,200,000 runs 225% above the CAPE CORAL 33990 median — but at 3,552 sqft it's also nearly twice the size of the typical Cape Coral listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Caloosa Elementary School, Caloosa Middle School, Cape Coral High School, Hancock Creek Elementary School, North Fort Myers High School, Tropic Isles Elementary School, Diplomat Elementary School, Diplomat Middle School, Ida S. Baker High School, Dr Carrie D Robinson Littleton Elementary School, Mariner High School, Island Coast High School — North Fort Myers High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,300,000, now $1,200,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HORIZON KEY REALTY LLC · Katia Linzalone. MLS #A4704364.
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 Stellar MLS.
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