1306 SE 21ST LANE, CAPE CORAL, FL, 33990
Active2 days on marketListed Sep 18, 2026MLS #O6442982
About this home
1306 SE 21ST LANE
Some photos are virtually staged. Exquisite 3-bedroom, 2-bathroom CBS Pool home, interior renovated in 2026. The gourmet kitchen boasts luminous quartz countertops, bespoke soft-close shaker cabinetry, and premium high-end finishes, designed to inspire culinary excellence. Luxurious spa-inspired bathrooms feature gorgeous tile work, gorgeous vanities, and contemporary fixtures, elevating daily rituals to a serene escape. Impeccable waterproof laminate flooring, freshly painted interiors and exteriors, and brand-new, top-tier appliances blend style with functionality. Enjoy Florida's lifestyle with premier shopping, and waterfront dining, with the freedom of no HOA restrictions. This residence seamlessly blends modern luxury with timeless comfort. Roof 2020 A/C 2019
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,765
Sqft
0.23 ac
Lot size
2
Garage
1980
Year built
One
Levels
$198
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.
$3,110 /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
$3,110/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
−27.4%
$/sqft vs CAPE CORAL
$198 vs $245
Days on market
2 vs 34 typical
Where $198/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 Cape Coral
Get to know Cape Coral. See the full Cape Coral guide →
CAPE CORAL 33990 — neighborhood snapshot
Population
35,428
Median age
48.6
Median income
$70,278
Median home value
$330,500
Avg household
2.57
Households w/ children
3,310
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 11% below the CAPE CORAL 33990 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 1306 SE 21ST LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$345,000
1615 NE 17TH STREET · same community
3 bd · 2 ba · 1,796 sqft · $192/sqft · 117 DOM
Sold · Dec ’25$315,000
2041 NE 28TH STREET · same community
3 bd · 2 ba · 1,725 sqft · $183/sqft · 2 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1306 SE 21ST LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1306 SE 21ST LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1306 SE 21ST LANE FAQs
What would the monthly payment be for 1306 SE 21ST LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,110/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 1306 SE 21ST LANE?+
The most recent tax bill on record (2025) was $8,892. 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 $349,000, this home is listed about 18% 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 1306 SE 21ST LANE?+
Diplomat Middle School (middle), Mariner High School (high), Hector A. Cafferata Junior Elementary School (elementary), Island Coast High School (high), Caloosa Middle School (middle), North Fort Myers High School (high), Patriot Elementary School (elementary), Skyline Elementary School (elementary), Trafalgar 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
01Under the CAPE CORAL 33990 market on paper
$349,000 is 11% below the CAPE CORAL 33990 median of $392,450, and at $198/sqft it sits under the Cape Coral average of $283.
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 2 days on market in a Cape Coral market that averages 34 — if it fits, move quickly.
04Strong assigned schools
Diplomat Middle School, Mariner High School, Hector A. Cafferata Junior Elementary School, Island Coast High School, Caloosa Middle School, North Fort Myers High School, Patriot Elementary School, Skyline Elementary School, Trafalgar Elementary School, Cape Coral High School, Ida S. Baker High School — North Fort Myers High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LOKATION · Daniel Rusu. MLS #O6442982.
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.
Never miss a listing
New Cape Coral homes, in your inbox
Like 1306 SE 21ST LANE but not quite? A daily digest of every new listing in Cape Coral — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Erwin to ping you on any price or status change →