430 NW 39TH AVENUE, CAPE CORAL, FL, 33993
Active233 days on marketListed Dec 22, 2025MLS #D6145276
About this home
430 NW 39TH AVENUE
Stunning Gulf Access Home with Pool, Dock, and Luxury Upgrades. Situated in one of the most sought-after locations in Southwest Florida, this beautifully maintained and fully furnished 4-bedroom, 2.5-bath custom home offers the perfect blend of waterfront living and modern luxury. Just steps from your door, enjoy a custom-designed heated saltwater pool and spa, a spacious screened lanai, and direct Gulf access from your private dock. This home has been thoroughly updated with a new roof, new A/C, new hurricane-impact PGT windows, doors, and sliders, a new garage door, a newly resurfaced pool cage, and fresh interior and exterior paint. Inside, you'll find a spacious and functional layout featuring a formal dining room, formal living room, a separate family room, and a well-appointed kitchen with quartz countertops, stainless steel appliances, a walk-in pantry, and breakfast nook. Elegant touches include luxury plank flooring in the bedrooms, marble window sills, tile flooring in the main areas and baths, and all-tile bathrooms. The master suite offers a peaceful retreat with dual walk-in closets, a large sitting area, private pool access, a Jacuzzi tub, dual vanities, a large tiled walk-in shower, and a private water closet. Three additional bedrooms provide ample space for guests or family, each with queen beds and generous closet space. Designed for outdoor enjoyment, the lanai features a pool bath, TV area, and breathtaking sunset views every evening. The property includes a large Trex dock equipped with a 10,000 lb boat lift, water, electric, cable, and a brand-new tiki hut—perfect for boaters seeking quick access to the Gulf. There is only one bridge between you and the open water, with just a 20-minute boat ride to Matlacha Pass. Located near the future Gulf Gateway Resort & Marina Village, Tropicana Park, and just minutes from Sanibel, Matlacha, Boca Grande, Cayo Costa, Captiva, Punta Gorda, and Fort Myers, this home is perfectly positioned to enjoy the best of coastal living. A generator hookup adds peace of mind. Don't miss the opportunity to own this exceptional Gulf-access home—a true gem on the water. I have attached a live walkthrough video for your review. Should you be unable to locate it, please inform me, and I will promptly forward it to you.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,180
Sqft
0.23 ac
Lot size
2
Garage
2009
Year built
One
Levels
$456
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.
$6,359 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$6,359/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.
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
+38.7%
$/sqft vs CAPE CORAL
$456 vs $246
Days on market
233 vs 51 typical
Where $456/sqft sits among the 144 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 33993 — neighborhood snapshot
Population
33,045
Median age
43.7
Median income
$89,220
Median home value
$319,500
Avg household
2.96
Households w/ children
3,468
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 → $405K
Cape Coral median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
57 of 144
CAPE CORAL have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1017% above the CAPE CORAL 33993 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 430 NW 39TH AVENUE
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$610,000
3913 SE 19TH AVENUE · same community
4 bd · 2 ba · 2,238 sqft · $273/sqft · 276 DOM
Sold · Nov ’25$1,150,000
5320 SW 3RD AVENUE · same community
3 bd · 3 ba · 2,244 sqft · $512/sqft · 29 DOM
Sold · Jun ’26$490,000
2213 SW 7TH PLACE · same community
3 bd · 2 ba · 2,067 sqft · $237/sqft · 101 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 430 NW 39TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 430 NW 39TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
430 NW 39TH AVENUE FAQs
What would the monthly payment be for 430 NW 39TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,359/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 430 NW 39TH AVENUE?+
The most recent tax bill on record (2024) was $5,553. 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 $994,000, this home is listed about 125% above the Cape Coral median of $442,500. The market section on this page shows how the area is trending.
Which schools are assigned to 430 NW 39TH AVENUE?+
Mariner Middle School (middle), Mariner High School (high), Trafalgar Elementary School (elementary), Challenger Middle School (middle), Hector A. Cafferata Junior Elementary School (elementary), Patriot Elementary School (elementary), Skyline Elementary School (elementary), Ida S. Baker High School (high), Cape Coral High School (high), North Fort Myers 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
Five things that matter here
01Positioned at the premium end
$994,000 runs 1017% above the CAPE CORAL 33993 median — but at 2,180 sqft it's also 20% larger than the typical Cape Coral listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
233 days on market against a Cape Coral median of 51 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Mariner Middle School, Mariner High School, Trafalgar Elementary School, Challenger Middle School, Hector A. Cafferata Junior Elementary School, Patriot Elementary School, Skyline Elementary School, Ida S. Baker High School, Cape Coral High School, North Fort Myers High School, Island Coast High School — Challenger Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $995,000, now $994,000 — a $1K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GULF REALTY & ASSOCIATES LLC · Nadine Cordisio Latronica. MLS #D6145276.
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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