David Ramirez
$1,290,0003 bd3 ba2,526 sqft$511 /sqft$8,868 /mo all-in ↓

4227 NW 28TH STREET, CAPE CORAL, FL, 33993

Active33 days on marketListed Jul 6, 2026MLS #N6144900

WaterfrontPrivate poolSingle Family ResidenceCAPE CORAL

About this home

4227 NW 28TH STREET

Gulf access, unobstructed lake views down the entire length of the waterway, and zero bridges to open water. SOLD TURNKEY. Welcome to 4227 NW 28th Street, a stunning 2018-built waterfront retreat in Northwest Cape Coral offering the kind of lifestyle most only dream about. Situated on an oversized lot with 80 feet of saltwater canal frontage and direct lake views over Lupine Lake, this 3-bedroom PLUS DEN, 3-bathroom home delivers 2,526 square feet of refined living space with a 3-car oversized garage. Block construction, tile roof, impact windows and doors, and a paver driveway give this home the curb appeal and durability that sets it apart from anything nearby. Step inside to soaring coffered and back-lit LED tray ceilings, crown molding, plantation shutters, solid wood cabinetry, and large format tile throughout. The open concept kitchen is the heart of the home featuring sealed horned granite countertops, a double built-in oven, Monogram cooktop and range hood, wine refrigerator, a large center island, a wet bar, and a dinning area with an additional set of sliders out to the pool. Picture window screening frames completely unobstructed, expansive water views from virtually every main living space, bringing the lake and canal backdrop into the home in a way that never gets old. The primary suite is its own private retreat with pocker sliding doors leading directly to the spa, dual walk-in closets, a large soaking tub, and an oversized stone shower with dual shower heads. The split bedroom floor plan keeps guests comfortable and separate, while the den flex space works perfectly as a home office or fourth sleeping area. Outside, the screened lanai with picture window screening creates a resort-style setting around the heated saltwater pool and integrated heated spa. The outdoor kitchen is fully equipped for entertaining. The 3rd bathroom also acts as a pool bathroom with access to the lanai for ease of access. A vinyl privacy fence encloses the yard, mature landscaping and rock beds frame the property beautifully, and a lawn irrigation system keeps everything looking sharp year round. The large 3 car garage is also finished with an epoxy coating. The entire home is served by a whole house reverse osmosis water system, delivering purified water to every tap and appliance throughout the property. For boaters, this property is exceptional. The concrete seawall was built in 2018, there are no fixed bridges to the Gulf, and Matlacha and Pine Island are just a short ride away. The home has a proven track record as a high performing short term rental with no HOA restrictions limiting your options. No CDD. No HOA. Turnkey. Gulf access. This one checks every box.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,526

Sqft

0.24 ac

Lot size

3

Garage

2018

Year built

One

Levels

$511

Per sqft

Private poolWaterfrontPool & Water viewTurnkey

Inside

FlooringTile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Microwave · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Coffered Ceiling(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedTurnkey

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesSouth
ParkingDriveway · Garage Door Opener · Golf Cart Parking
ExteriorIrrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Private Entrance · Private Mailbox · Private Yard · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$15,160/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Private
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,868 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,961
PMI (est., until 20% equity)$484
Property tax — 2025 actual bill$1,263
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $129,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $129,000
Interest rate6.00%
Loan term

Estimated payment

$8,868/mo

Principal & interest$6,961
PMI (est., until 20% equity)$484
Property taxes (actual bill)$1,263
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $1.3M
$752KedgeAI estimate $1,010,192 · range $783K$1.2M$1.3M

vs edgeAI estimate

+27.7%

$/sqft vs CAPE CORAL

$511 vs $246

Days on market

33 vs 50 typical

Where $511/sqft sits among the 148 homes for sale in CAPE CORAL

58
37
17
18
10
8 · this home
$175–231$231–287$287–343$343–399$399–455$455+

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

Map of 4227 NW 28TH STREET

Get to know Cape Coral. See the full Cape Coral guide →

CAPE CORAL 33993 — neighborhood snapshot

Population

33,045

Median age

43.7

Median income

$89,220

Median home value

$319,500

Avg household

2.96

Households w/ children

3,468

For the school run

Lee County School District

MiddleMariner Middle School★★★★★
HighMariner High School★★★★
ElementaryTrafalgar Elementary School★★★★★
MiddleChallenger Middle School★★★★
ElementaryHector A. Cafferata Junior Elementary School★★★★
ElementaryPatriot Elementary School★★★★★
ElementarySkyline Elementary School★★★★★
HighIda S. Baker High School★★★★★
HighCape Coral High School★★★★★
HighNorth Fort Myers High School★★★★
HighIsland Coast High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Cape Coral market

Seller’s marketLeans buyer7.4 months of inventoryBuyer’s market

$375K$405K

Cape Coral median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

51 of 148

CAPE CORAL have cut their price

Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 1418% above the CAPE CORAL 33993 median. See the full Cape Coral market guide →

Paper trail

This home's history

Jul 6, 2026Listed at $1,290,000 · 33 days on market since
2018Built · CAPE CORAL

Reality check

What actually sold near 4227 NW 28TH STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2526 SW 25TH AVENUESold · Dec ’25

$1,050,000

2526 SW 25TH AVENUE · same community

4 bd · 3 ba · 2,611 sqft · $402/sqft · 24 DOM

239 SW 24TH PLACESold · Dec ’25

$418,000

239 SW 24TH PLACE · same community

4 bd · 3 ba · 2,306 sqft · $181/sqft · 44 DOM

5320 SW 3RD AVENUESold · Nov ’25

$1,150,000

5320 SW 3RD AVENUE · same community

3 bd · 3 ba · 2,244 sqft · $512/sqft · 29 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4227 NW 28TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4227 NW 28TH STREET — before you fall in love.

See it in person

Schedule a tour

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Straight answers

4227 NW 28TH STREET FAQs

What would the monthly payment be for 4227 NW 28TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,868/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 4227 NW 28TH STREET?+

The most recent tax bill on record (2025) was $15,160. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Cape Coral?+

At $1,290,000, this home is listed about 192% above the Cape Coral median of $441,200. The market section on this page shows how the area is trending.

Which schools are assigned to 4227 NW 28TH STREET?+

Mariner Middle School (middle), Mariner High School (high), Trafalgar Elementary School (elementary), Challenger Middle School (middle), Hector A. Cafferata Junior Elementary School (elementary), Patriot Elementary School (elementary), Skyline Elementary School (elementary), Ida S. Baker High School (high), Cape Coral High School (high), North Fort Myers High School (high), Island Coast High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,290,000 runs 1418% above the CAPE CORAL 33993 median — but at 2,526 sqft it's also 39% larger than the typical Cape Coral listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Mariner Middle School, Mariner High School, Trafalgar Elementary School, Challenger Middle School, Hector A. Cafferata Junior Elementary School, Patriot Elementary School, Skyline Elementary School, Ida S. Baker High School, Cape Coral High School, North Fort Myers High School, Island Coast High School — Challenger Middle School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Cole Murray. MLS #N6144900.

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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