David Ramirez
$349,0001 bd1 ba468 sqft$746 /sqft$2,615 /mo all-in ↓

2650 COCO PLUM DRIVE, MATLACHA, FL, 33993

Active157 days on marketListed Feb 15, 2026MLS #OM718450

WaterfrontSingle Family ResidenceGEARYS ADD

About this home

2650 COCO PLUM DRIVE

This canal front residential property is located at 2650 Coco Plum Drive in Cape Coral, Florida, within the Matlacha area of Lee County. The property sits along a saltwater canal that provides access to surrounding waterways consistent with local conditions and navigational regulations. Matlacha is a coastal community positioned between Pine Island and the mainland, known for its compact layout, waterfront setting, and connection to nearby fishing areas and barrier islands. The residence on the property is a single story cabin style home featuring one bedroom and one bathroom. A garage is included, offering enclosed parking and storage. The garage is equipped with a hurricane rated garage door designed to meet applicable wind resistance standards. The home is situated on a canal front lot with established shoreline improvements that support marine use. Along the water frontage, a seawall was newly constructed in 2020. A dock and boat lift were also installed in 2020, providing direct access to the canal. The boat lift includes a canvas cover, which offers protection for a vessel when not in use. Water depth, vessel suitability, and navigability should be independently verified by prospective buyers based on intended use and seasonal conditions. The roof of the home was replaced in 2021 prior to Hurricane Ian. According to the information provided, the structure did not sustain roof damage during that storm. Buyers are encouraged to conduct their own inspections to confirm the condition and remaining service life of the roof and all other improvements. The canal system connected to the property leads toward open water areas that are commonly used for boating and access to nearby fishing flats and coastal waters. The waterways also provide routes for traveling by boat to nearby islands and beaches, subject to local regulations, tides, and weather conditions. No representation is made regarding travel times or water conditions. The property is located within walking distance of local dining establishments, retail shops, and art galleries in Matlacha. The area is known for its locally owned businesses and pedestrian friendly layout. This setting allows residents to access nearby amenities without reliance on long drives while remaining connected to the broader Lee County region. Road access to the property is provided by Coco Plum Drive, a maintained residential roadway. Utilities serving the home are consistent with other residential properties in the area, though buyers should verify specific service providers and availability. Any future modifications, expansions, or changes in use should be reviewed with Lee County and applicable local agencies to ensure compliance with zoning, building, and environmental regulations. This property may be suitable for buyers seeking a small waterfront residence with established marine infrastructure in a coastal Florida community. All property details, measurements, and allowable uses should be independently verified prior to purchase.

Facts & features

The home at a glance

1

Bedrooms

1

Bathrooms

468

Sqft

0.06 ac

Lot size

1

Garage

1961

Year built

One

Levels

$746

Per sqft

WaterfrontWater viewNegotiable

Inside

FlooringCeramic Tile · Laminate
AppliancesElectric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorKitchen/Family Room Combo · Open Floorplan
LaundryIn Garage
CoolingWall/Window Unit(s)
HeatingNone
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationBlock · Slab
ViewWater
FacesSouth
ParkingBoat
ExteriorOther · Private Mailbox

Community & fees

Taxes (2025)$2,949/yr

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

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

$2,615 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,055
FHA mortgage insurance (est.)$154
Property tax — 2025 actual bill$246
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,215Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,215
Interest rate6.00%
Loan term

Estimated payment

$2,615/mo

Principal & interest$2,055
FHA mortgage insurance (est.)$154
Property taxes (actual bill)$246
Est. insurance$160

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.

Where it sits

Inside Matlacha

Map of 2650 COCO PLUM DRIVE inside its neighborhood boundary

Get to know Matlacha. See the full Matlacha guide →

Matlacha — neighborhood snapshot

Population

317

Median age

65

Median home value

$458,300

Avg household

2

Households w/ children

47%

For the school run

Lee County School District

ElementaryPine Island Elementary School★★★★★
MiddleTrafalgar Middle School★★★★★
HighIda S. Baker High School★★★★★
MiddleGulf Middle School★★★★★
HighMariner 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 Matlacha market

Seller’s marketLeans buyer24.0 months of inventoryBuyer’s market

$385K$450K

Matlacha median sold, yr/yr

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

This home is listed 292% above the MATLACHA 33993 median. See the full Matlacha market guide →

Paper trail

This home's history

Feb 15, 2026Listed at $349,000 · 157 days on market since
1961Built · GEARYS ADD

Reality check

What actually sold near 2650 COCO PLUM DRIVE

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

2669 COCO PLUM DRIVESold · Mar ’26

$450,000

2669 COCO PLUM DRIVE · same community

3 bd · 2 ba · 1,533 sqft · $294/sqft · 91 DOM

Nearby listingSold · Jun ’26

$445,000

Nearby listing

2 bd · 3 ba · 1,272 sqft · $350/sqft · 126 DOM

4741/4743 PINE ISLAND ROAD NWSold · Sep ’25

$550,000

4741/4743 PINE ISLAND ROAD NW

2 bd · 2.5 ba · 2,896 sqft · $190/sqft · 30 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 2650 COCO PLUM DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2650 COCO PLUM DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

2650 COCO PLUM DRIVE FAQs

What would the monthly payment be for 2650 COCO PLUM DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,615/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 2650 COCO PLUM DRIVE?+

The most recent tax bill on record (2025) was $2,949. 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 Matlacha?+

At $349,000, this home is listed about 76% below the Matlacha median of $1,476,500. The market section on this page shows how the area is trending.

Which schools are assigned to 2650 COCO PLUM DRIVE?+

Pine Island Elementary School (elementary), Trafalgar Middle School (middle), Ida S. Baker High School (high), Gulf Middle School (middle), Mariner 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

$349,000 runs 292% above the MATLACHA 33993 median.

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

Pine Island Elementary School, Trafalgar Middle School, Ida S. Baker High School, Gulf Middle School, Mariner High School, Cape Coral High School, North Fort Myers High School, Island Coast High School — North Fort Myers High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of WHITETAIL PROPERTIES REAL ESTATE · Erik Flett. MLS #OM718450.

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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