4105 NE 20TH PLACE, CAPE CORAL, FL, 33909
Active55 days on marketListed Jun 9, 2026MLS #TB8516754
About this home
4105 NE 20TH PLACE
Welcome to 4105 NE 20th Place, a light filled, nearly 1,900 square foot home offering 3 bedrooms, 2 baths, and the open, split bedroom floor plan everyone is looking for in NE Cape Coral. With a spacious great room, large kitchen with breakfast bar, screened lanai, and a generous backyard that is ideal for a future pool, this home is truly move-in ready and easy to enjoy from day one. Step inside and you’re greeted by a wide double door entry that opens into a large living and dining area, perfect for entertaining family and friends or enjoying a quiet night in. The popular split bedroom layout gives the primary suite and guest bedrooms excellent privacy, while the open concept keeps everyone connected in the main living spaces. The big kitchen sits at the heart of the home, with plenty of counter space, a breakfast bar, and a clear view into the bright family room, so you can cook, watch TV, and be part of the conversation all at once. Abundant windows and sliders fill the home with natural sunlight throughout the day, creating a warm, welcoming feel in every room. The primary bedroom is a true retreat, featuring both a large standard closet and a generous walk-in closet, plus sliding glass doors that open directly to the lanai for easy morning coffee or evening relaxation. The oversized primary bath offers a dual sink vanity, walk-in shower, and separate soaking tub, giving you a spa like space to unwind Two comfortable guest bedrooms and a well appointed guest bath sit on the opposite side of the home, giving family or visitors their own quiet space. An inside laundry room located just off the attached two car garage adds everyday convenience and extra storage. Step out back to the recently added screened lanai. The backyard layout makes it easy to envision a future pool or expanded outdoor living area, with plenty of room to design the yard you’ve always want. Practical updates include a replaced septic system (2013), giving buyers added peace of mind and lowering one of the big ticket maintenance concerns often associated with Florida homes on septic.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,899
Sqft
0.23 ac
Lot size
2
Garage
2006
Year built
One
Levels
$176
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.
$2,532 /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
$2,532/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
+14.3%
$/sqft vs CAPE CORAL
$176 vs $242
Days on market
55 vs 39 typical
Where $176/sqft sits among the 130 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 Gator Circle
Get to know Cape Coral. See the full Cape Coral guide →
Gator Circle — neighborhood snapshot
Population
5,296
Median age
39
Median income
$68,630
Median home value
$304,234
Avg household
4
Households w/ children
570
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 → $411K
Cape Coral median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
46 of 130
CAPE CORAL have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 375% above the CAPE CORAL 33909 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 4105 NE 20TH PLACE
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$375,000
3007 ACADEMY BOULEVARD · same community
3 bd · 2 ba · 1,914 sqft · $196/sqft · 101 DOM
Sold · Dec ’25$560,000
210 SW 37TH TERRACE · same community
3 bd · 2 ba · 1,856 sqft · $302/sqft · 163 DOM
Sold · Dec ’25$305,000
2730 NW 6TH STREET · same community
4 bd · 2 ba · 1,830 sqft · $167/sqft · 14 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 4105 NE 20TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4105 NE 20TH PLACE — 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
4105 NE 20TH PLACE FAQs
What would the monthly payment be for 4105 NE 20TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,532/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 4105 NE 20TH PLACE?+
The most recent tax bill on record (2025) was $3,033. 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 4105 NE 20TH PLACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $334,900, this home is listed about 23% below the Cape Coral median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4105 NE 20TH PLACE?+
Island Coast High School (high), Dr Carrie D Robinson Littleton Elementary School (elementary), Diplomat Elementary School (elementary), Diplomat Middle School (middle), Tropic Isles Elementary School (elementary), North Fort Myers High School (high), Hancock Creek Elementary School (elementary), Mariner High School (high), Caloosa Middle School (middle), Caloosa Elementary School (elementary) — 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
$334,900 runs 375% above the CAPE CORAL 33909 median.
02Strong assigned schools
Island Coast High School, Dr Carrie D Robinson Littleton Elementary School, Diplomat Elementary School, Diplomat Middle School, Tropic Isles Elementary School, North Fort Myers High School, Hancock Creek Elementary School, Mariner High School, Caloosa Middle School, Caloosa Elementary School — Diplomat Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $344,900, now $334,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GENSTONE REALTY · John Blevins. MLS #TB8516754.
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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