212 SW 20th St, Cape Coral, FL, 33991
About This Home
MOTIVATED!! RARE 5-BEDROOM WATERFRONT HOME with SOUTHERN EXPOSURE, a SALTWATER POOL, and an INCREDIBLE OVERSIZED LOT offering an impressive 111 FEET OF CANAL FRONTAGE! This stunning property built by Armex Construction is designed for the ultimate Florida lifestyle, featuring 82 feet of seawall plus an additional 30 feet of grassy slope with a floating dock—perfect for easy kayak and boat launching right from your backyard. Enjoy endless sunshine from the southern rear exposure while relaxing in the sparkling saltwater pool with sun shelf or entertaining on the expansive extended lanai. This beautifully designed home offers 5 spacious bedrooms, 3 full bathrooms, volume tray ceilings, and 8-foot doors throughout, creating an open and luxurious feel. The gourmet kitchen is the heart of the home, showcasing granite countertops, soft-close cabinetry, upgraded stainless steel appliances, and a huge open-concept layout ideal for entertaining guests or just your everyday relaxation. Elegant plank tile flooring flows throughout the home, while the oversized owner’s suite impresses with french doors to the lanai, spacious bathroom featuring a custom tiled shower, dual sinks, abundant cabinetry with granite counters, and a massive walk-in closet. Additional highlights include a large laundry room with extensive cabinetry and granite countertops, underground utility service, impact windows and doors for energy efficiency and storm protection, and a durable metal roof known for longevity and superior high-wind performance. The oversized drive-through tandem garage accommodates up to 4 vehicles and conveniently opens to the rear of the home for added functionality. Situated in Flood Zone X, this property does not require mandatory flood insurance. This exceptional waterfront home combines space, luxury, durability, and outdoor living in one incredible package, and in a great central Cape Coral location —truly a MUST-SEE! Would make for a Great AIRBNB!! One or more photo(s) has been virtually staged, AI generated or rendered.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2020
Materials
- Roof: Metal
- Construction materials: Stucco,Wood Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch,One Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Freezer,Microwave,Range,Refrigerator
- Laundry features: Washer Hookup,Dryer Hookup,Inside
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Tray Ceiling(s),Dual Sinks,Kitchen Island,Living/Dining Room,Shower Only,Separate Shower,Walk-In Closet(s),Screened Porch,Great Room
- Window features: Impact Glass
- Flooring: Tile
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 2,978
- Total interior livable area: 2,223 sqft
Property
Details
- Parcel number: 264423C303055.0330
- Lease amount: 0
- Zoning description: R1
Features
- Stories: 1
- Private pool: Yes
- Pool features: In Ground,Pool Equipment,Screen Enclosure,Salt Water
- Patio & porch: Lanai,Porch,Screened
- Exterior features: Fence,Security/High Impact Doors,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: 0.30 Acres
- Features: Irregular Lot,Oversized Lot,Sprinklers Automatic
- Lot size dimensions: 76 x 141 x 111 x 148
Parking
- Total spaces: 4
- Parking features: Attached,Driveway,Garage,Paved,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 4
- Covered spaces: 4
- 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
- Lightning
- Inland Flooding
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Lee County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,235 | $38,820 |
| Home Insurance * | $363 | $4,356 |
| Property Taxes | $974 | $11,688 |
| Electricity | $223 | $2,684 |
| Total | $4,795 | $57,540 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-05 | Price change | $629,900 |
| 2026-07-07 | Price change | $639,900 |
| 2026-06-12 | Price change | $644,900 |
| 2026-05-16 | Listed for sale | $649,900 |
| 2024-02-06 | Listing removed | -- |
| 2021-03-30 | Sold | $390,000 |
| 2021-02-15 | Pending sale | $395,000 |
| 2021-02-13 | Listed for sale | $395,000 |
| 2018-07-25 | Listing removed | $45,000 |
| 2018-07-13 | Pending sale | $45,000 |
| 2018-07-12 | Sold | $30,000 |
| 2018-04-21 | Listed for sale | $45,000 |
| 2012-03-22 | Sold | $25,000 |
| 2012-01-03 | Sold | $12,000 |
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