304 NE 20TH TERRACE, CAPE CORAL, FL, 33909
Active6 days on marketListed Oct 9, 2026MLS #C7531816
About this home
304 NE 20TH TERRACE
Virtually Staged. Enjoy the Florida lifestyle in this inviting 3-bedroom, 2-bathroom, 2-car garage POOL HOME located in Cape Coral. Featuring a BRIGHT, OPEN FLOOR PLAN, VAULTED CEILINGS, numerous recent updates, and spacious indoor-outdoor living, this home offers a comfortable layout designed for everyday living and entertaining. INTERIOR FEATURES • Bright, open floor plan with abundant natural light • Vaulted ceilings • Vinyl and tile flooring throughout • Split-bedroom floor plan for added privacy • Open living and dining room ideal for gathering and entertaining KITCHEN The kitchen opens to the main living areas, creating an easy flow for entertaining while offering plenty of workspace and storage. • Newer stainless steel appliances • Ample countertop and cabinet space • Center island with breakfast bar • Kitchen reverse osmosis system PRIMARY SUITE The spacious primary bedroom provides a comfortable private retreat. • Dual walk-in closets • Private en-suite bathroom updated in 2024 • Dual-sink vanity • Walk-in shower GUEST BEDROOMS & BATH • Two guest bedrooms with built-in closets • Full guest bathroom conveniently located nearby POOL & OUTDOOR LIVING Step outside to the LARGE SCREENED LANAI, offering plenty of room for outdoor dining, relaxing, and entertaining while overlooking your PRIVATE HEATED POOL & SPA. Beyond the lanai, the LARGE FULLY FENCED BACKYARD provides even more space to enjoy the outdoors. Surrounded by lush landscaping and complete with a BUILT-IN FIRE PIT, the backyard creates an inviting setting for gatherings or relaxing evenings by the fire. UPDATES & ADDITIONAL FEATURES • 2025 A/C • 2024 water heater • 2023 roof and rain gutters • Hurricane protection • 2025 washer and dryer • Interior painted in 2022 • Exterior painted in 2023 • Wood fence re-stained in 2026 • Water softener with brine tank replaced in 2022 • Well pressure tank replaced in 2025 • Generator inlet box installed in 2022 LOCATION & AREA HIGHLIGHTS Located in Cape Coral, this home offers convenient access to an abundance of shopping, dining, parks, golf courses, and recreational opportunities. Known for its extensive canal system and outdoor lifestyle, Cape Coral offers plenty of opportunities for boating, fishing, kayaking, and enjoying the Southwest Florida sunshine. With a PRIVATE HEATED POOL & SPA, expansive FENCED BACKYARD, HURRICANE PROTECTION, and an impressive list of recent updates, this Cape Coral home is ready to enjoy. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,485
Sqft
0.23 ac
Lot size
2
Garage
2004
Year built
One
Levels
$249
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.
$2,974 /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
$2,974/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
+8.2%
$/sqft vs CAPE CORAL
$249 vs $228
Days on market
6 vs 55 typical
Where $249/sqft sits among the 168 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)
76 of 168
CAPE CORAL have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 407% 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 304 NE 20TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$295,000
1627 SW 25TH TERRACE · same community
3 bd · 2 ba · 1,479 sqft · $199/sqft · 87 DOM
Sold · Dec ’25$260,000
1813 SW 36TH TERRACE · same community
3 bd · 2 ba · 1,522 sqft · $171/sqft · 40 DOM
Sold · Dec ’25$260,000
230 NE 9TH AVENUE · same community
3 bd · 2 ba · 1,522 sqft · $171/sqft · 85 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 304 NE 20TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 304 NE 20TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
304 NE 20TH TERRACE FAQs
What would the monthly payment be for 304 NE 20TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,974/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 304 NE 20TH TERRACE?+
The most recent tax bill on record (2025) was $5,664. 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 304 NE 20TH TERRACE?+
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 $370,000, this home is listed about 12% below the Cape Coral median of $420,000. The market section on this page shows how the area is trending.
Which schools are assigned to 304 NE 20TH TERRACE?+
Diplomat Middle School (middle), Diplomat Elementary School (elementary), Mariner High School (high), Dr Carrie D Robinson Littleton Elementary School (elementary), Island Coast High School (high), Caloosa Middle School (middle), Tropic Isles Elementary School (elementary), Caloosa Elementary School (elementary), North Fort Myers 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
$370,000 runs 407% above the CAPE CORAL 33909 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Cape Coral market that averages 55 — if it fits, move quickly.
04Strong assigned schools
Diplomat Middle School, Diplomat Elementary School, Mariner High School, Dr Carrie D Robinson Littleton Elementary School, Island Coast High School, Caloosa Middle School, Tropic Isles Elementary School, Caloosa Elementary School, North Fort Myers 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.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · Mike Oakes. MLS #C7531816.
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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