4260 SE 20TH PLACE UNIT 801, CAPE CORAL, FL, 33904
Active134 days on marketListed Mar 25, 2026MLS #A4687432
About this home
4260 SE 20TH PLACE UNIT 801
Enjoy your morning coffee with beautiful views of the Caloosahatchee and intersecting 200 ft canals and Cape Coral’s 4th of July fireworks display from this top floor end unit at River Towers. This 2 bed, 2 bath condo is located on the 8th floor and features newer carpet in guest bedroom, Living room with laminate floors, fireplace and sliding glass doors to the enclosed balcony, newer Stainless appliances in kitchen, newer A/C (2020) and electric shutters on the screened balcony. There is a large storage room on the ground floor. River Towers is a 55+ community with several amenities, including a very large heated riverfront swimming pool with Tiki hut, shuffleboard, horseshoes, billiards, ping pong, a library and 2 social rooms. New Community boat docks that are first come, first serve and a new fishing pier. Each unit includes one assigned parking space and plenty of guest parking. Just minutes to downtown Cape Coral, shopping & dining. Walk to Jaycee Park, a Riverfront park that is under renovation now but should be opening soon. Sorry no pets allowed and no smoking.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,065
Sqft
0.24 ac
Lot size
1973
Year built
One
Levels
$282
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.
$2,404 /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
$2,404/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
+38.1%
$/sqft vs Cape Coral actives
$282 vs $249
Days on market
134 vs 49 typical
Where $282/sqft sits among the 335 Cape Coral actives
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 Cape Coral
Get to know Cape Coral. See the full Cape Coral guide →
CAPE CORAL 33904 — neighborhood snapshot
Population
32,925
Median age
58.6
Median income
$66,933
Median home value
$347,100
Avg household
2.21
Households w/ children
1,918
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 → $405K
Cape Coral median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
105 of 335
Cape Coral actives have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% below the CAPE CORAL 33904 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 4260 SE 20TH PLACE UNIT 801
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$184,000
3935 COUNTRY CLUB BOULEVARD UNIT 22
2 bd · 2 ba · 1,069 sqft · $172/sqft · 3 DOM
Sold · Nov ’25$215,000
1332 SE 44TH STREET
2 bd · 1 ba · 1,047 sqft · $205/sqft · 244 DOM
Sold · Sep ’25$155,000
4120 SE 19TH PLACE UNIT 202
2 bd · 2 ba · 1,044 sqft · $148/sqft · 95 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 4260 SE 20TH PLACE UNIT 801 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4260 SE 20TH PLACE UNIT 801 — 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
4260 SE 20TH PLACE UNIT 801 FAQs
What would the monthly payment be for 4260 SE 20TH PLACE UNIT 801?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,404/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 4260 SE 20TH PLACE UNIT 801?+
The most recent tax bill on record (2025) was $4,154. 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 4260 SE 20TH PLACE UNIT 801?+
The listing reports pets: No. 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 $299,900, this home is listed about 33% below the Cape Coral median of $445,750. The market section on this page shows how the area is trending.
Which schools are assigned to 4260 SE 20TH PLACE UNIT 801?+
Pelican Elementary School (elementary), Cape Coral High School (high), Cape Elementary School (elementary), 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
01Under the CAPE CORAL 33904 market on paper
$299,900 is 34% below the CAPE CORAL 33904 median of $452,450, and at $282/sqft it sits under the Cape Coral average of $296.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
134 days on market against a Cape Coral median of 49 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Pelican Elementary School, Cape Coral High School, Cape Elementary 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.
Keep looking
Similar homes nearby
Listing courtesy of STARLINK REALTY · Kenneth Bracher. MLS #A4687432.
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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