2909 38Th St Sw, Cape Coral, FL 33914
For Sale $775,000
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Not located in a flood zone, with no flood insurance required—a rare and valuable advantage for a Gulf access home in the highly sought-after Surfside neighborhood. Where else can you find a Gulf access pool home offering this much value? Opportunities like this are incredibly rare.This beautifully maintained, waterfront home perfectly combines modern updates, spacious living, and the Florida lifestyle you’ve been dreaming of. Built in 2005 and offering more than 2,200 square feet of living space, this home provides peace of mind with a new roof (2023), a new A/C system, and complete hurricane protection, including hurricane windows, electric roll-down and accordion shutters on all major openings. Boating enthusiasts will appreciate the Gulf access canal, expansive captain’s walk with electric service already in place for your future dock or lift, and the fenced backyard that offers both privacy and convenience. Inside, you’ll find tile flooring throughout, granite countertops in every bathroom, stainless steel appliances, custom blinds, plantation shutters, and four sets of sliding glass doors. A wall of windows fills the home with natural light while showcasing beautiful canal views from the main living areas and the spacious primary suite. Step outside to your private backyard oasis, where a large under-truss lanai provides plenty of shade overlooking the heated pool—the perfect place to relax, entertain guests, or enjoy Southwest Florida’s year-round sunshine. If you’ve been searching for a move-in-ready Gulf access pool home in one of Cape Coral’s most desirable neighborhoods, offering generous living space, major updates, waterfront boating access, and exceptional value—with the added benefit of no flood insurance requirement—this is the one you’ve been waiting for.
Built- In Cabinets
Pantry
Tray Ceiling(s)
Walk- In Closet(s)
None
Taxes: $1,177.69
Tax Year: 2025
Boat Dock Private
Captain's Walk
Water Avail at Dock
Screened Lanai/ Porch
Cooktop
Electric Cooktop
Dishwasher
Disposal
Microwave
Refrigerator
Refrigerator/ Freezer
Refrigerator/ Icemaker
Y
Canal Front
Seawall
Building Description: Ranch, Single Family
Community Type: Boating, Non- Gated
MLS Area: Cape Coral
Total Square Footage: 2,673
Total Floors: 1
Water: Assessment Paid
Construction: Concrete Block, Stucco
Short Sale: No
Date Listed: 2026-07-29 00:00:00
Pool: Y
Pool Description: Below Ground, Concrete, Custom Upgrades, Screen Enclosure, See Remarks
Furnished: Negotiable
Kitchen Description: Island, Pantry, Walk- In Pantry
Parking: Driveway Paved, Paved, Attached
Garage Description: Y
Garage Spaces: 2
Attached Garage: Y
Flooring: Tile
Roof: Shingle
Heating: Central Electric
Cooling: Ceiling Fan(S), Central Electric
Storm Protection: Impact Resistant Doors, Impact Resistant Windows, Shutters Electric
Irrigation: Assessment Paid, Central, Reclaimed
Pets: Yes
Restrictions: None/ Other
Maintenance: None, Sewer, Street Lights, Street Maintenance, Trash Removal, Water
Lot Desc.: Cul- De- Sac
Amenities: None
Listing Courtesy Of: Re/Max Nautical Realty
mcmoniglehomes@gmail.com
Not located in a flood zone, with no flood insurance required—a rare and valuable advantage for a Gulf access home in the highly sought-after Surfside neighborhood. Where else can you find a Gulf access pool home offering this much value? Opportunities like this are incredibly rare.This beautifully maintained, waterfront home perfectly combines modern updates, spacious living, and the Florida lifestyle you’ve been dreaming of. Built in 2005 and offering more than 2,200 square feet of living space, this home provides peace of mind with a new roof (2023), a new A/C system, and complete hurricane protection, including hurricane windows, electric roll-down and accordion shutters on all major openings. Boating enthusiasts will appreciate the Gulf access canal, expansive captain’s walk with electric service already in place for your future dock or lift, and the fenced backyard that offers both privacy and convenience. Inside, you’ll find tile flooring throughout, granite countertops in every bathroom, stainless steel appliances, custom blinds, plantation shutters, and four sets of sliding glass doors. A wall of windows fills the home with natural light while showcasing beautiful canal views from the main living areas and the spacious primary suite. Step outside to your private backyard oasis, where a large under-truss lanai provides plenty of shade overlooking the heated pool—the perfect place to relax, entertain guests, or enjoy Southwest Florida’s year-round sunshine. If you’ve been searching for a move-in-ready Gulf access pool home in one of Cape Coral’s most desirable neighborhoods, offering generous living space, major updates, waterfront boating access, and exceptional value—with the added benefit of no flood insurance requirement—this is the one you’ve been waiting for.
Property Details
Price: $775,000
Sq Ft: 2,204
($352 per
sqft)
Bedrooms: 4
Bathrooms: 2
City: Cape Coral
County: Lee
Type: Single Family
Development: Cape Coral
Acres: 0.2450
Virtual Tour/Floorplan: View
Year Built: 2005
Listing Number: 2026032154
Status Code: A-Active
Taxes: $1,177.69
Tax Year: 2025
Application Fee: $0.00
Garage:
2
/
Y
Furnishings: Negotiable
Pets Allowed: Yes
Interior Features:
Built- In Cabinets
Pantry
Tray Ceiling(s)
Walk- In Closet(s)
Amenities:
None
Financial Information:
Taxes: $1,177.69
Tax Year: 2025
Exterior Features:
Boat Dock Private
Captain's Walk
Water Avail at Dock
Screened Lanai/ Porch
Equipment:
Cooktop
Electric Cooktop
Dishwasher
Disposal
Microwave
Refrigerator
Refrigerator/ Freezer
Refrigerator/ Icemaker
View:
Y
Waterfront Description:
Canal Front
Seawall
Additional Information:
Building Description: Ranch, Single Family
Community Type: Boating, Non- Gated
MLS Area: Cape Coral
Total Square Footage: 2,673
Total Floors: 1
Water: Assessment Paid
Construction: Concrete Block, Stucco
Short Sale: No
Date Listed: 2026-07-29 00:00:00
Pool: Y
Pool Description: Below Ground, Concrete, Custom Upgrades, Screen Enclosure, See Remarks
Furnished: Negotiable
Kitchen Description: Island, Pantry, Walk- In Pantry
Parking: Driveway Paved, Paved, Attached
Garage Description: Y
Garage Spaces: 2
Attached Garage: Y
Flooring: Tile
Roof: Shingle
Heating: Central Electric
Cooling: Ceiling Fan(S), Central Electric
Storm Protection: Impact Resistant Doors, Impact Resistant Windows, Shutters Electric
Irrigation: Assessment Paid, Central, Reclaimed
Pets: Yes
Restrictions: None/ Other
Maintenance: None, Sewer, Street Lights, Street Maintenance, Trash Removal, Water
Lot Desc.: Cul- De- Sac
Amenities: None
Map of 2909 38Th St Sw, Cape Coral, FL 33914
Listing Courtesy Of: Re/Max Nautical Realty
mcmoniglehomes@gmail.com