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2905 SE 22nd Pl, Cape Coral, FL, 33904

4beds
4baths
3,598sqft
$1,649,500
$458price/sqft
$12,203/moest. monthly cost
$488,120/yrincome needed

About This Home

Set on the stunning Cape Coral riverfront, this extensively renovated home delivers the best of both worlds - the charm of an established location paired with the modern updates and peace of mind today’s buyers demand. Originally built in 1977 and thoughtfully reimagined in 2010, the home stands out with a clean hurricane history and zero water damage. For buyers not yet ready for full-time Florida living, the property also offers a proven track record as a high-performing vacation rental - creating an opportunity to generate income while enjoying it on your own schedule. This four-bedroom, four-bath home is one of those rare properties that simply can’t be appreciated from the street. You arrive to a beautifully landscaped front yard, but nothing prepares you for what happens when the front door opens - the river view immediately stops you in your tracks. Light dances across the water, creating a breathtaking “wow” moment that never gets old, especially for first-time guests. At the heart of the home is a thoughtfully designed kitchen that encourages connection, with ample space to cook, gather, and entertain while keeping cleanup out of sight. The outdoor kitchen expands the experience with a professional-grade flattop grill, traditional grill, generous counter space, and an island for casual seating - all complemented by a large dining area overlooking the water. Designed with hosting in mind, the home features an upper-level suite that functions as a second primary retreat, complete with a queen bed, built-in bunks, private living space, river views, and its own deck. Inside, multiple living areas offer flexibility, while expansive outdoor seating invites guests to enjoy the pool, waterfront, and frequent sightings of dolphins and manatees. The property has comfortably hosted large gatherings, including catered events and live music, all while maintaining a sense of space and privacy - a true testament to its thoughtful layout and flow. Recent improvements include a finished upstairs bedroom and bath, enhanced outdoor living spaces with a custom kitchen and tiki structure, updated interior finishes, a new dock built to current code, and a hurricane-rated garage door. Located in a welcoming neighborhood known for its strong sense of community, this home offers a rare combination of lifestyle, flexibility, and waterfront beauty - a place that continues to impress from the moment you arrive.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
Cape Elementary SchoolGrades PK-52.5 mi
6/10
Gulf Middle SchoolGrades 6-85.4 mi
4/10
Cape Coral High SchoolGrades 9-123.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1977

Materials

  • Roof: Metal
  • Construction materials: Block,Concrete,Stucco,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Disposal,Microwave,Self Cleaning Oven
  • Laundry features: Washer Hookup,Dryer Hookup,Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Built-in Features,Bathtub,Closet Cabinetry,Entrance Foyer,Eat-in Kitchen,Family/Dining Room,Fireplace,High Ceilings,Living/Dining Room,Separate Shower,Vaulted Ceiling(s),Walk-In Closet(s),Window Treatments,Loft,Pot Filler,Bathroom,Den,Florida Room,Guest Quarters,Loft,Other,Great Room
  • Window features: Impact Glass,Window Coverings
  • Flooring: Tile,Wood
  • Fireplace features: Outside
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 4,082
  • Total interior livable area: 3,598 sqft

Property

Details

  • Parcel number: 324424C301169.0110
  • Lease amount: 0
  • Zoning description: R1

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Concrete,In Ground
  • Patio & porch: Balcony,Open,Porch
  • Exterior features: Fence,Fire Pit,Fruit Trees,Security/High Impact Doors,Sprinkler/Irrigation,Outdoor Grill,Outdoor Shower,Storage
  • Has spa: Yes
  • Spa features: Gunite,In Ground
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front

Lot

  • Lot size: 0.29 Acres
  • Features: Oversized Lot,Sprinklers Automatic
  • Lot size dimensions: 160 x 90 x 160 x 90

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
    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 $8,340$100,080
Home Insurance *$1,330$15,960
Property Taxes $2,171$26,052
Electricity $362$4,345
Total$12,203$146,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$418,388/yr
40% on housing$366,090/yr
45% on housing$325,413/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

$458This listing

vs Other Active Listings

Avg $/sqft

ZIP 33904$294
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
2026-01-05Listed for sale$1,649,500
2025-06-02Listing removed$1,650,000
2025-04-07Price change$1,650,000
2025-03-16Price change$1,750,000
2025-02-10Listed for sale$1,848,000
2021-03-24Listing removed--
2018-01-17Listing removed$10,500
2017-12-18Price change$10,500
2017-12-16Listed for rent$6,500
2016-02-16Sold$875,000
2015-12-13Pending sale$915,000
2015-12-04Listed for sale$915,000
2009-04-24Sold$585,000
2005-04-19Sold$950,000
2003-09-16Sold$775,000

For Sale by Agent

AgentLauren Stock
BrokerageRoyal Shell Real Estate, Inc.

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