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3804 SE 12th Ave, Cape Coral, FL, 33904

3beds
2baths
1,471sqft
$509,801
$347price/sqft
$3,516/moest. monthly cost
$140,640/yrincome needed

About This Home

This brand-new 2025-built VILLA home is ideally positioned on the prestigious Rubican Canal, a 200-foot-wide waterway highly sought after by boaters and waterfront enthusiasts. Dock included. Located just next door to 3802 (to the right), this residence offers the same exceptional design and lifestyle, with a slightly smaller lot for easy maintenance. Enjoy breathtaking western sunset views from your private backyard, with room to add a pool and create your own outdoor oasis. Inside, you’ll find a thoughtfully designed 3-bedroom, 2-bathroom layout featuring 1,459 sq ft of living space and over 2,177sq ft total. The open-concept floor plan is enhanced by elegant porcelain tile flooring throughout. The modern kitchen is beautifully appointed with quartz countertops, custom cabinetry, and stainless-steel appliances, while impact-rated windows and doors fill the home with natural light and provide peace of mind. The spacious primary suite includes his-and-hers closets and a well-appointed bathroom with dual sinks. A paver driveway leads to a generous 2-car garage, this property offers both flexibility and value. Experience the best of Florida living with waterfront tranquility, Gulf access boating, and contemporary luxury finishes in this exceptional Cape Coral home. Not located in a designated flood area and with no HOA fees.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
Cape Elementary SchoolGrades PK-50.9 mi
6/10
Gulf Middle SchoolGrades 6-83.9 mi
4/10
Cape Coral High SchoolGrades 9-122.6 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2025

Materials

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

Type & Style

  • Home type: MultiFamily
  • Architectural style: Other,Ranch,One Story,See Remarks,Duplex
  • Property subType: Duplex,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Self Cleaning Oven,Trash Compactor
  • Laundry features: Washer Hookup,Dryer Hookup,Inside

Bedroom

  • Dimensions: 10.00 x 10.80

Bedroom

  • Dimensions: 10.00 x 10.00

Bedroom

  • Dimensions: 11.00 x 11.10

Bedrooms & Bathrooms

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

Dining Room

  • Dimensions: 9.40 x 12.80

Family Room

  • Dimensions: 16.00 x 16.90

Features

  • Breakfast Bar,Tray Ceiling(s),Dual Sinks,Family/Dining Room,High Ceilings,Kitchen Island,Living/Dining Room,Pantry,Shower Only,Separate Shower,Walk-In Closet(s),Split Bedrooms
  • Window features: Bay Window(s),Single Hung,Sliding,Impact Glass
  • Flooring: Tile

Garage

  • Dimensions: 20.00 x 20.00

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 2,106
  • Total interior livable area: 1,471 sqft

Kitchen

  • Dimensions: 11.60 x 10.80

Master Bedroom

  • Dimensions: 17.70 x 14.80

Screened Porch

  • Dimensions: 12.00 x 10.00

Property

Details

  • Parcel number: 064524C400541.0280
  • Attached to another structure: Yes
  • Lease amount: 0
  • Zoning description: R3-W

Features

  • Stories: 1
  • Patio & porch: Open,Porch
  • Exterior features: Security/High Impact Doors,Sprinkler/Irrigation,Privacy Wall
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: Canal Access,Gulf,Intersecting Canal,Navigable Water,Seawall

Lot

  • Lot size: 6,751 sqft
  • Features: Other,Rectangular Lot,Zero Lot Line,Sprinklers Automatic
  • Lot size dimensions: 40 x 145 x 40 x 145

Parking

  • Total spaces: 2
  • Parking features: Attached,Covered,Driveway,Underground,Garage,Paved,Two Spaces,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
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 $2,577$30,924
Home Insurance *$411$4,932
Property Taxes $331$3,972
Electricity $197$2,366
Total$3,516$42,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,548/yr
40% on housing$105,480/yr
45% on housing$93,760/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

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 33904$296
Lee County$283

vs Homes Sold Last Month

Median $/sqft

ZIP 33904$258
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
2026-04-30Price change$514,900
2026-04-24Price change$498,000
2026-03-20Listed for sale$499,000
2021-05-20Sold$250,000

New Construction

AgentRosy Palermo
BrokeragePalermo Real Estate LLC

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