206 SE 45TH TERRACE, CAPE CORAL, FL, 33904
Active432 days on marketListed May 28, 2025MLS #A4654095
About this home
206 SE 45TH TERRACE
tep into style and comfort with this beautifully remodeled pool home, perfectly situated in an established, well-maintained neighborhood. This home impresses from the moment you arrive, featuring new impact-rated sliders and a modern front door that blend security with sleek design. Inside, you'll find stunning new flooring throughout and a completely renovated kitchen boasting granite countertops, soft-close modern cabinetry, and elegant crown molding, ideal for both everyday living and entertaining. The spacious master suite offers a luxurious retreat with dual sinks in the en-suite bathroom. Enjoy seamless indoor-outdoor living with a large, covered lanai featuring a shiplap ceiling and plenty of shaded space, perfect for relaxing or entertaining poolside. This home comes equipped with energy efficient solar panels, offering significant savings on utility bills while reducing your carbon footprint. Enjoy the benefits of sustainable living without sacrificing comfort or style. With a beautifully maintained landscape and thoughtful updates throughout, this home is truly move-in ready. Don't miss your chance to live in comfort and style in one of the area's most desirable communities!. With a beautifully maintained landscape and thoughtful updates throughout, this home is truly move-in ready.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,742
Sqft
0.23 ac
Lot size
2
Garage
1976
Year built
One
Levels
$264
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,467 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,467/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+6%
$/sqft vs CAPE CORAL
$264 vs $242
Days on market
432 vs 51 typical
Where $264/sqft sits among the 128 homes for sale in CAPE CORAL
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bimini Basin
Get to know Cape Coral. See the full Cape Coral guide →
Bimini Basin — neighborhood snapshot
Population
8,466
Median age
51
Median income
$67,975
Median home value
$269,424
Avg household
2
Households w/ children
599
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cape Coral market
$375K → $390K
Cape Coral median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
46 of 128
CAPE CORAL have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% above the CAPE CORAL 33904 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 206 SE 45TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$315,000
2041 NE 28TH STREET · same community
3 bd · 2 ba · 1,725 sqft · $183/sqft · 2 DOM
Sold · Nov ’25$345,000
1615 NE 17TH STREET · same community
3 bd · 2 ba · 1,796 sqft · $192/sqft · 117 DOM
Sold · Dec ’25$175,000
1307 SE 22ND TERRACE · same community
3 bd · 2 ba · 1,679 sqft · $104/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 206 SE 45TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 206 SE 45TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
206 SE 45TH TERRACE FAQs
What would the monthly payment be for 206 SE 45TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,467/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 206 SE 45TH TERRACE?+
The most recent tax bill on record (2024) was $4,760. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 206 SE 45TH TERRACE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Cape Coral?+
At $459,900, this home is listed about 6% above the Cape Coral median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 206 SE 45TH TERRACE?+
Cape Elementary School (elementary), Pelican Elementary School (elementary), Cape Coral High School (high), Gulf Middle School (middle), Gulf Elementary School (elementary), Ida S. Baker High School (high), Trafalgar Middle School (middle), Mariner High School (high), North Fort Myers High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
02Time on market is leverage
432 days on market against a Cape Coral median of 51 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Cape Elementary School, Pelican Elementary School, Cape Coral High School, Gulf Middle School, Gulf Elementary School, Ida S. Baker High School, Trafalgar Middle School, Mariner High School, North Fort Myers High School — Gulf Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $469,900, now $459,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX NAUTICAL REALTY · Kristen Cardoso. MLS #A4654095.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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