4109 NE 20TH PLACE, CAPE CORAL, FL, 33909
Active26 days on marketListed Aug 25, 2026MLS #D6148547
About this home
4109 NE 20TH PLACE
1,635 Welcome to your dream home at 4109 20th Pl, Cape Coral, FL 33909! This stunning, fully furnished home, built in 2021, offers a spacious and modern living experience. With 1,270 square feet of well-designed space, this property is perfect for those seeking comfort and style. Step inside and be welcomed by an inviting atmosphere that radiates warmth and elegance. The open-concept layout seamlessly connects the living room, dining area, and kitchen, creating the perfect space for entertaining friends and family. Abundant natural light floods the interior, adding to the home's overall charm. The kitchen is a chef's delight, featuring sleek countertops, ample storage, and high-end appliances. Whether you are preparing a quick breakfast or hosting a gourmet dinner, this kitchen has everything you need to unleash your culinary skills. This home features three spacious bedrooms, offering plenty of room for relaxation and privacy. The primary suite is a true retreat, complete with a luxurious en-suite bathroom and a walk-in closet. The additional bedrooms are equally comfortable and can serve as guest rooms, home offices, or playrooms. Outside, you will find a well-manicured yard offering endless possibilities for outdoor activities and gatherings. Soak up the Florida sun on the patio—perfect for barbecues or simply unwinding after a long day. Located in a sought-after neighborhood, this property offers easy access to schools, shopping centers, and entertainment options.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,199
Sqft
0.23 ac
Lot size
2
Garage
2021
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$173 /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
$173/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs CAPE CORAL
$1 vs $245
Days on market
26 vs 34 typical
Where $1/sqft sits among the 154 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 Gator Circle
Get to know Cape Coral. See the full Cape Coral guide →
Gator Circle — neighborhood snapshot
Population
5,296
Median age
39
Median income
$68,630
Median home value
$304,234
Avg household
4
Households w/ children
570
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
96.5%
Sale-to-list ratio (12 mo)
78 of 154
CAPE CORAL have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 97% below the CAPE CORAL 33909 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 4109 NE 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 · Dec ’25$260,000
930 SW 34TH STREET · same community
3 bd · 2 ba · 1,182 sqft · $220/sqft · 68 DOM
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
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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 4109 NE 20TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4109 NE 20TH PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4109 NE 20TH PLACE FAQs
What would the monthly payment be for 4109 NE 20TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $173/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4109 NE 20TH PLACE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Pet Deposit, Size Limit. 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 $1,790, this home is listed about 100% below the Cape Coral median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4109 NE 20TH PLACE?+
Island Coast High School (high), Dr Carrie D Robinson Littleton Elementary School (elementary), Diplomat Elementary School (elementary), Diplomat Middle School (middle), Tropic Isles Elementary School (elementary), North Fort Myers High School (high), Hancock Creek Elementary School (elementary), Mariner High School (high), Caloosa Middle School (middle), Caloosa Elementary School (elementary) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the CAPE CORAL 33909 market on paper
$1,790 is 97% below the CAPE CORAL 33909 median of $69,000, and at $1/sqft it sits under the Cape Coral average of $283.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Strong assigned schools
Island Coast High School, Dr Carrie D Robinson Littleton Elementary School, Diplomat Elementary School, Diplomat Middle School, Tropic Isles Elementary School, North Fort Myers High School, Hancock Creek Elementary School, Mariner High School, Caloosa Middle School, Caloosa Elementary School — Diplomat Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KOVI INVESTMENTS, LLC · Ed Kovalchuk. MLS #D6148547.
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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