321 NE 15TH TERRACE, CAPE CORAL, FL, 33909
Active2 days on marketListed Sep 18, 2026MLS #O6443198
About this home
321 NE 15TH TERRACE
Step into modern Florida living with this beautifully designed brand-new 3-bedroom plus den, 2-bath home offering 1,893 sq. ft. of spacious, open-concept living. The versatile den is ideal for a home office, media room, or guest space, providing flexibility to fit your lifestyle. The thoughtfully designed kitchen flows seamlessly into the living and dining areas, with plenty of cabinets and a walk-in pantry for extra storage space creating the perfect setting for everyday living and entertaining. The primary suite offers a peaceful retreat with a spacious walk-in closet and a well-appointed en-suite bath. All bedrooms have walk-in closets adding to the functionality of this home. Complete with a 2-car garage and situated on a desirable dry lot, this home is conveniently located near shopping, dining, schools, and major roadways. Whether you're looking for your primary residence, a seasonal getaway, or an investment opportunity, this home is ready to impress. Preferred lender offers up to $3,000 towards closing costs subject to approval. Seller may offer additional incentives. NO HOA FEES.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,893
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$201
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.
$2,926 /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
$2,926/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
+3.8%
$/sqft vs CAPE CORAL
$201 vs $245
Days on market
2 vs 34 typical
Where $201/sqft sits among the 153 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 → $405K
Cape Coral median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
78 of 153
CAPE CORAL have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 451% 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 321 NE 15TH TERRACE
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$375,000
3007 ACADEMY BOULEVARD · same community
3 bd · 2 ba · 1,914 sqft · $196/sqft · 101 DOM
Sold · Dec ’25$560,000
210 SW 37TH TERRACE · same community
3 bd · 2 ba · 1,856 sqft · $302/sqft · 163 DOM
Sold · Dec ’25$305,000
2730 NW 6TH STREET · same community
4 bd · 2 ba · 1,830 sqft · $167/sqft · 14 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 321 NE 15TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 321 NE 15TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
321 NE 15TH TERRACE FAQs
What would the monthly payment be for 321 NE 15TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,926/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 321 NE 15TH TERRACE?+
The most recent tax bill on record (2025) was $4,335. 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 $380,000, this home is listed about 11% 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 321 NE 15TH TERRACE?+
Diplomat Middle School (middle), Diplomat Elementary School (elementary), Dr Carrie D Robinson Littleton Elementary School (elementary), Tropic Isles Elementary School (elementary), Caloosa Middle School (middle), North Fort Myers High School (high), Caloosa Elementary School (elementary), Mariner High School (high), Island Coast 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
Three things that matter here
01Positioned at the premium end
$380,000 runs 451% above the CAPE CORAL 33909 median.
02Fresh on the market
Only 2 days on market in a Cape Coral market that averages 34 — if it fits, move quickly.
03Strong assigned schools
Diplomat Middle School, Diplomat Elementary School, Dr Carrie D Robinson Littleton Elementary School, Tropic Isles Elementary School, Caloosa Middle School, North Fort Myers High School, Caloosa Elementary School, Mariner High School, Island Coast 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 PES HOMES REALTY P.A · Esther Ortiz. MLS #O6443198.
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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