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2128 NE 40th St, Cape Coral, FL, 33909

3beds
2baths
1,793sqft
$299,900
$167price/sqft
$2,350/moest. monthly cost
$94,000/yrincome needed

About This Home

AWESOME Elegance!!! Welcome home to this bright, newer-build property designed for modern living and effortless entertaining. This beautifully designed 3-bedroom plus den, 2-bathroom home offers a bright and airy open floor plan perfect for both daily living and effortless entertaining. Durable tile floors flow seamlessly throughout the main living areas, accented by stylish, upgraded light fixtures that add a touch of modern elegance to every room. The Heart of the Home: You will love cooking and gathering in the spacious kitchen. It features sleek granite countertops, an expansive island and ample cabinet storage. The kitchen flows directly into the main living spaces, keeping you connected with family and guests. Private Retreats: Designed with a split-bedroom layout, this home ensures maximum privacy for the primary suite. The spacious master bedroom features a luxurious en-suite bath equipped with a dual vanity, a large walk-in shower, and a separate soaking tub perfect for unwinding after a long day. Step outside to your private, screened-lanai—the ideal spot for enjoying your morning coffee or relaxing in the evening breeze without the hassle of bugs.Perfectly located within walking distance to Island Coast High School, this Cape Coral home provides exceptional daily convenience for growing families. Schedule your private tour today to experience this beautiful property in person!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 2023

Materials

  • Roof: Shingle
  • Construction materials: Block,Concrete,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,One Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Bathtub,Tray Ceiling(s),Dual Sinks,Eat-in Kitchen,French Door(s)/Atrium Door(s),High Ceilings,Kitchen Island,Pantry,Separate Shower,Cable TV,Walk-In Closet(s),Split Bedrooms,Bathroom,Den,Guest Quarters,Great Room,Screened Porch
  • Door features: French Doors
  • Window features: Impact Glass,Sliding
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,276
  • Total interior livable area: 1,793 sqft

Property

Details

  • Parcel number: 174324C305783.0690
  • Lease amount: 0
  • Zoning description: R1
  • Special condition: In Foreclosure

Features

  • Stories: 1
  • Patio & porch: Lanai,Porch,Screened
  • Exterior features: None,Room For Pool
  • Waterfront features: None

Lot

  • Lot size: 10,497 sqft
  • Features: Rectangular Lot
  • Lot size dimensions: 85 x 125 x 85 x 125

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tsunami

FEMA Declared Disasters in Lee County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,516$18,192
Home Insurance *$230$2,760
Property Taxes $407$4,884
Electricity $197$2,366
Total$2,350$28,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,571/yr
40% on housing$70,500/yr
45% on housing$62,666/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.2%
15.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$167This listing

vs Other Active Listings

Avg $/sqft

ZIP 33909$176
Lee County$283

vs Homes Sold Last Month

Median $/sqft

ZIP 33909$195
Lee County$222

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-09Sold$210,300
2024-05-03Sold$429,900
2024-03-02Pending sale$429,900
2024-02-01Listed for sale$429,900
2020-12-02Sold$12,000
2020-08-31Price change$15,000
2020-06-19Listed for sale$16,000
2004-12-20Sold$48,900

Unknown Listed By

AgentC. Aaron Price
BrokeragePricepoint Realty, LLC

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