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4240 SE 20th Pl APT 210, Cape Coral, FL, 33904

3beds
2baths
1,593sqft
$450,000
$282price/sqft
$3,408/moest. monthly cost
$136,320/yrincome needed

About This Home

Experience the Best of Cape Coral Waterfront Living Nestled in the highly sought-after Beach Parkway neighborhood, this beautifully updated second-floor condo offers the perfect blend of waterfront living, modern updates, and carefree convenience. Located in a no-bridge, direct Gulf access community just one turn from the Caloosahatchee River, you'll enjoy beautiful western sunsets, the convenience of Jaycee Park just a short stroll away, and one of Cape Coral's most desirable riverfront locations. Offering nearly 1,600 square feet, this spacious 3-bedroom, 2-bath home welcomes you with luxury vinyl plank flooring throughout, plantation shutters, and an inviting open layout designed for comfortable everyday living and entertaining. The updated kitchen features granite countertops, ample cabinetry, generous prep space, and newer stainless steel appliances (less than five years old). A convenient wet bar is perfect for entertaining before stepping onto the spacious screened lanai—your front-row seat to peaceful canal views and spectacular western sunsets. The desirable split-bedroom floor plan offers privacy for owners and guests, while the versatile front den makes an ideal home office, reading nook, or sitting area. The spacious primary suite features direct lanai access, dual closets, and a beautifully updated ensuite bath with a walk-in shower and dual vanity. Enjoy peace of mind with impact windows, Kevlar lanai hurricane protection, manual hurricane shutters, a new electrical panel, A/C approximately four years old, water heater approximately two years old, newer kitchen appliances, and an inside laundry room. Community amenities include a heated pool, spa, sauna, clubhouse, waterfront dock with umbrella-covered seating, and Cable and Wi-Fi included in the HOA. Boat slips and lifts are available for rent or purchase when opportunities arise. Adding even more value, the community has already completed its major improvements, including new roofs, exterior paint, railings, carports, impact windows, and an expanded pool deck with new furnishings, providing buyers added confidence with no major HOA projects currently anticipated. Just a short walk to Jaycee Park, you'll enjoy riverfront green space, picnic pavilions, community events, and one of Cape Coral's favorite places to take an evening stroll or catch the sunset. Beautifully updated, ideally located, and offering the peace of mind of a community where the major improvements have already been completed, this is your opportunity to enjoy the very best of Cape Coral waterfront living.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
Cape Elementary SchoolGrades PK-51.0 mi
7/10
Gulf Middle SchoolGrades 6-85.0 mi
5/10
Cape Coral High SchoolGrades 9-123.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1988

Materials

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

Type & Style

  • Home type: Condo
  • Architectural style: Ranch,One Story,Low Rise
  • Property subType: Condominium

Interior

Appliances

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

Bedroom

  • Dimensions: 11.80 x 12.80

Bedroom

  • Dimensions: 11.00 x 13.20

Bedrooms & Bathrooms

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

Dining Room

  • Dimensions: 14.60 x 10.40

Features

  • Wet Bar,Breakfast Bar,Built-in Features,Dual Sinks,Living/Dining Room,Shower Only,Separate Shower,Vaulted Ceiling(s),Walk-In Closet(s),Window Treatments,Split Bedrooms,Great Room
  • Window features: Impact Glass,Shutters,Window Coverings
  • Flooring: Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 1,593
  • Total interior livable area: 1,593 sqft

Kitchen

  • Dimensions: 10.00 x 13.20

Living Room

  • Dimensions: 23.70 x 16.11

Master Bedroom

  • Dimensions: 13.11 x 17.30

Screened Porch

  • Dimensions: 23.70 x 9.70

Utility Room

  • Dimensions: 8.90 x 2.10

Property

Details

  • Parcel number: 084524C20450A.2100
  • Lease amount: 0

Features

  • Stories: 1
  • Pool features: Community
  • Patio & porch: Balcony,Screened
  • Exterior features: Security/High Impact Doors,Storage
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: Canal Access,Seawall

Lot

  • Lot size: 0.55 Acres
  • Features: Oversized Lot

Parking

  • Total spaces: 1
  • Parking features: Assigned,Common,Covered,Guest,One Space,Detached Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal 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 $2,275$27,300
Home Insurance *$363$4,356
Property Taxes $573$6,876
Electricity $197$2,366
Total$3,408$40,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,845/yr
40% on housing$102,240/yr
45% on housing$90,880/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

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 33904$297
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)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$450,000
2026-07-30Listed for sale$450,000
2025-11-30Listing removed$449,999
2025-08-29Listed for sale$449,999
2023-08-23Listing removed--
2023-06-25Price change$509,999
2023-05-25Price change$499,900
2023-05-23Listed for sale$510,000
2020-12-01Sold$310,000
2020-10-14Pending sale$320,000
2020-10-11Listed for sale$320,000
2020-04-19Listing removed$3,750
2020-03-19Listed for rent$3,750
2019-05-19Listing removed$3,750
2019-05-13Price change$3,750
2019-02-27Price change$3,500
2019-02-11Price change$1,700
2019-01-27Price change$1,600
2018-12-29Price change$1,850
2018-12-28Listed for rent$2,000
2017-03-28Sold$177,777
2017-02-16Pending sale$178,400
2017-02-15Listed for sale$178,400
2016-12-14Listing removed$223,000
2016-12-12Pending sale$223,000
2016-10-11Sold$171,800
1996-11-19Sold$145,000
AgentCarolyn Chesser
BrokerageBerkshire Hathaway HomeServices Florida Realty

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