4218 SE 20TH PLACE UNIT D5, CAPE CORAL, FL, 33904
Active11 days on marketListed Jul 26, 2026MLS #A4699041
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Sat, Aug 8
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About this home
4218 SE 20TH PLACE UNIT D5
SECOND-FLOOR WATERFRONT CONDO with DIRECT GULF ACCESS & STUNNING WIDE CANAL VIEWS in SE Cape Coral! Located directly across from the exciting JAYCEE PARK in the highly desirable BEACH PARKWAY PROMENADE area, this BEAUTIFULLY FURNISHED 2-BEDROOM, 2-BATHROOM condo offers the perfect combination of SWFL lifestyle, boating access & long-term value. Jaycee Park’s incredible transformation with its scenic boardwalk, amphitheater, splash pad, boat dock, picnic areas & enhanced waterfront recreation; adds tremendous appeal to the neighborhood and makes this not only a WONDERFUL PLACE TO LIVE, but also a SMART INVESTMENT with STRONG EQUITY GROWTH POTENTIAL. WELCOME TO YOUR DREAM RETREAT IN SUNNY SOUTHWEST FLORIDA! This SECOND-FLOOR UNIT offers PEACE OF MIND w/ NO ONE ABOVE, NO FLOOD WORRIES & PRIVATE ENTRANCE, while showcasing PANORAMIC VIEWS of the 200+ FT WIDE NAVARRO CANAL and breathtaking SWFL SUNSETS! Enjoy your morning coffee from the PRIVATE SCREENED BALCONY or relax in the ENCLOSED SUNROOM while taking in refreshing breezes from the nearby CALOOSAHATCHEE RIVER & watching boats cruise by :) Boating enthusiasts will love DIRECT SAILBOAT ACCESS w/ just one turn to the RIVER & straight out to the GULF! Residents can unwind by CRYSTAL-CLEAR COMMUNITY POOL or enjoy the scenic, walkable surroundings of this BEAUTIFUL WATERFRONT COMMUNITY. Inside, the condo features an OPEN AND AIRY FLOOR PLAN with a tasteful blend of tile and carpet flooring, a spacious kitchen with seating area, and a flexible dining space perfect for formal dining or a cozy breakfast nook. The generous living room is filled with natural light and CAPTIVATING WATER VIEWS, making it ideal for entertaining or peaceful evenings at home! The SPACIOUS PRIMARY SUITE features a WALK-IN CLOSET, private bathroom with stand-up shower, makeup vanity and cabinetry, plus direct access to the SCREENED BALCONY overlooking the wide canal. The GUEST BEDROOM is generously sized and versatile, perfect as a second bedroom, home office, or both. A full-sized washer and dryer are conveniently tucked inside the unit. This 55+ COMMUNITY offers peaceful waterfront living with OPTIONAL DOCKAGE CURRENTLY UNDER CONSTRUCTION, ALL ASSESSMENTS PAID, and first-come, first-served availability; an excellent opportunity for boaters. The seawall is currently being repaired and is expected to be functional by Fall 2026. Additional highlights include MANUAL HURRICANE SHUTTERS for added protection, NEUTRAL INTERIOR COLORS, A/C (2018), WATER HEATER (2017), MOVE-IN READY condition, and NO PETS ALLOWED. Ideally located near Cape Coral’s vibrant dining, shopping, and entertainment, and just a drive away from some of SOUTHWEST FLORIDA’S BEST BEACHES including Fort Myers Beach, Sanibel, Naples, and Marco Island. This is your opportunity to own a BEAUTIFUL WATERFRONT CONDO with DIRECT GULF ACCESS in one of SE Cape Coral’s most sought-after neighborhoods :) MOVE IN AND START ENJOYING THE FLORIDA LIFESTYLE TODAY! LOVE WHERE YOU LIVE!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,296
Sqft
0.1 ac
Lot size
1977
Year built
One
Levels
$208
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 and the real association fee — not generic estimates.
$2,869 /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
$2,869/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
+19.8%
$/sqft vs Cape Coral actives
$208 vs $249
Days on market
11 vs 49 typical
Where $208/sqft sits among the 336 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 336
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 41% 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 4218 SE 20TH PLACE UNIT D5
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$565,000
1636 SE 39th Street, Cape Coral FL 33904
3 bd · 2 ba · 1,333 sqft · $424/sqft · 119 DOM
Sold · Jun ’26$280,000
3736 SE 12TH AVENUE UNIT 101
3 bd · 2 ba · 1,348 sqft · $208/sqft · 68 DOM
Sold · Nov ’25$280,000
4115 SE 18TH PLACE UNIT 201
2 bd · 2 ba · 1,225 sqft · $229/sqft · 33 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 4218 SE 20TH PLACE UNIT D5 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4218 SE 20TH PLACE UNIT D5 — 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
4218 SE 20TH PLACE UNIT D5 FAQs
What would the monthly payment be for 4218 SE 20TH PLACE UNIT D5?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,869/mo — principal and interest, the actual property-tax bill, the $865/mo association fee 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.
How much are the HOA fees at 4218 SE 20TH PLACE UNIT D5?+
The association fee works out to $865 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4218 SE 20TH PLACE UNIT D5?+
The most recent tax bill on record (2025) was $1,632. 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 4218 SE 20TH PLACE UNIT D5?+
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 $269,900, this home is listed about 40% below the Cape Coral median of $449,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4218 SE 20TH PLACE UNIT D5?+
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
$269,900 is 41% below the CAPE CORAL 33904 median of $454,900, and at $208/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.
03Know the monthly fee
The association fee is $865/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 RE/MAX SUNSHINE · Daniela Mitchell. MLS #A4699041.
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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