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2400 SW 39th Terrace Cpe, Coral, FL, 33914

4beds
2baths
2,334sqft
$995,000
$426price/sqft
$6,498/moest. monthly cost
$259,920/yrincome needed

About This Home

Gulf access paradise in SW Cape Coral. Welcome to waterfront living at its finest. Nestled on a wide gulf access canal, this stunning home delivers the quintessential Florida lifestyle you've been dreaming of — from sunrise to sunset, every day of the year. With 4 bedrooms and 2 bathrooms, this thoughtfully designed home offers a spacious, open floorplan that flows effortlessly from room to room. The versatile 4th bedroom is perfectly suited as a private home office, guest suite, or flex space — ready to adapt to your lifestyle. At the heart of the home is a showstopper kitchen featuring an abundance of cabinet and counter space, ideal for the everyday cook and the weekend entertainer alike. Timeless décor throughout the interior creates a warm, classic aesthetic that will never go out of style and provides a perfect canvas for your personal touch. Step outside and discover your own private resort. The south-facing pool and lanai are positioned to capture maximum Florida sunshine throughout the day, while a generous under-truss covered area ensures you can always find the perfect spot — whether you're soaking up rays or relaxing in the shade with a cool drink. Storm protection is built right in, with accordion shutters around the entire property and Kevlar screens on the lanai, giving you peace of mind when the season turns. The private boat dock features a 10,000-pound boat lift with canopy, offering easy gulf access. After a day on the water, unwind at your very own tiki hut perched right on the canal's edge — a beautiful way to spend your evening. The oversized 2-car garage has plenty of space for cars and storage. The epoxy-coated garage floor provides a durable finish that's as practical as it is attractive, making cleanup a breeze and giving the space a clean, finished look worthy of the rest of this exceptional property. Whether you're looking for a full-time residence, a seasonal retreat, or an investment in the Florida waterfront lifestyle, this SW Cape Coral gem checks every box.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

8/10
Gulf Elementary SchoolGrades PK-50.9 mi
7/10
Gulf Middle SchoolGrades 6-80.8 mi
3/10
Ida S. Baker High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2008

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Freezer,Disposal,Ice Maker,Microwave,Range,Refrigerator,RefrigeratorWithIce Maker,Self Cleaning Oven,Wine Cooler,Washer
  • Laundry features: Inside,Laundry Tub

Bedroom

  • Dimensions: 13.20 x 10.10

Bedroom

  • Dimensions: 12.70 x 10.11

Bedroom

  • Dimensions: 12.40 x 9.10

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Dimensions: 11.11 x 7.70

Family Room

  • Dimensions: 21.50 x 15.30

Features

  • Attic,Breakfast Bar,Bathtub,Dual Sinks,Eat-in Kitchen,French Door(s)/Atrium Door(s),High Ceilings,Kitchen Island,Main Level Primary,Pantry,Pull Down Attic Stairs,Separate Shower,Walk-In Closet(s),Split Bedrooms,Screened Porch
  • Door features: French Doors
  • Window features: Single Hung,Sliding,Shutters
  • Flooring: Tile
  • Attic: Pull Down Stairs

Garage

  • Dimensions: 21.50 x 20.20

Heating & Cooling

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

Interior Area

  • Total structure area: 2,825
  • Total interior livable area: 2,334 sqft

Kitchen

  • Dimensions: 18.80 x 12.70

Living Room

  • Dimensions: 19.10 x 17.60

Master Bedroom

  • Dimensions: 17.60 x 12.10

Screened Porch

  • Dimensions: 35.30 x 23.50

Property

Details

  • Parcel number: 044523C404946.0070
  • Lease amount: 0

Features

  • Stories: 1
  • Private pool: Yes
  • Pool features: Concrete,Electric Heat,Heated,In Ground,Pool Equipment,Screen Enclosure
  • Patio & porch: Lanai,Porch,Screened
  • Exterior features: Fruit Trees,Sprinkler/Irrigation
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: Canal Access

Lot

  • Lot size: 10,018 sqft
  • Features: Rectangular Lot,Sprinklers Automatic
  • Lot size dimensions: 80 x 125 x 80 x 125

Parking

  • Total spaces: 2
  • Parking features: Attached,Driveway,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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
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 $5,031$60,372
Home Insurance *$587$7,044
Property Taxes $646$7,752
Electricity $234$2,818
Total$6,498$77,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$222,788/yr
40% on housing$194,940/yr
45% on housing$173,280/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

$426This listing

vs Other Active Listings

Avg $/sqft

ZIP 33914$364
Lee County$283

vs Homes Sold Last Month

Median $/sqft

ZIP 33914$253
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
2026-06-05Listed for sale$995,000
2024-06-18Sold$880,000
2020-06-12Sold$489,000

For Sale by Agent

AgentJonathan Minerick
BrokerageHomecoin.com

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