David Ramirez
$3,000,000$3,200,0004 bd5.5 ba3,703 sqft$810 /sqft$19,239 /mo all-in ↓

5826 SHELL COVE DRIVE, CAPE CORAL, FL, 33914

Active36 days on marketListed Jun 22, 2026MLS #TB8521864

Reduced $200KWaterfrontPrivate poolSingle Family ResidenceWATERFRONT/CAPE HARBOUR

About this home

5826 SHELL COVE DRIVE

A PRIVATE WATERFRONT RESORT IN THE HEART OF CAPE HARBOUR. This $3.2 million luxury residence is more than a home, it is an experience. Set on a rare double lot with direct boating access and sweeping views over the mangrove preserve, this 4 story coastal estate was designed for those who want the very best of Cape Coral waterfront living. With a private elevator servicing all 4 floors, 4 furnished decks, balcony access from every bedroom, a screened heated saltwater pool and spa, full outdoor kitchen, waterfront bar, tiki hut, private dock, and two boat lifts (30k & 15k), every detail supports a lifestyle centered around boating, entertaining, relaxation, and unforgettable views. Inside, the home delivers refined coastal elegance with soaring ceilings, tile flooring throughout, tray ceilings with lighting, walls of glass, and expansive indoor outdoor spaces that frame the water from every angle. The gourmet kitchen is the centerpiece of the main living level, featuring a large island with seating, dual tone cabinetry, cabinet lighting, KitchenAid appliances, cooktop with vented hood, double wall oven, oversized refrigerator, pot filler, designer backsplash, wine cooler, pendant lighting, and a wet bar area with built in espresso and cappuccino maker. The open concept living and dining areas are ideal for gathering, with an 8 person dining table, additional seating, and a seamless connection to the oversized balcony overlooking the water. Designed with comfort and privacy in mind, the residence offers spacious bedroom suites, en suite bathrooms, generous closet space, and kitchenettes on multiple levels. The second floor includes 2 bedrooms, a kitchenette, walk in closet space, and beautifully finished bathrooms with both tub and shower options. The 4th floor honeymoon suite feels like its own private escape, complete with a private deck, kitchenette, coffee bar, sink, washer and dryer, quartz countertops, tall ceilings, custom closet cabinetry, dual vanity, soaking tub, and oversized walk in shower. A game room with foosball and additional sleeping accommodations adds flexibility for guests, extended family, or luxury rental use. The outdoor areas are truly unforgettable. Enjoy sunrise coffee from one deck, sunset cocktails from another, then spend the day boating, kayaking, grilling, relaxing by the pool, or soaking in the spa as the water and mangroves create the perfect backdrop. The pool level includes a full bathroom, making it easy to rinse off after boating or swimming, while the full outdoor kitchen with ice maker, gas grill, and waterfront bar creates the ultimate entertaining space. With multiple A/C units, raised pool and A/C equipment, 2 washer and dryer sets, high speed internet, abundant storage, driveway parking, additional on site parking, and the rare combination of luxury finishes, private elevator access, and direct boating from Cape Harbour, this property stands in a class of its own.

Facts & features

The home at a glance

4

Bedrooms

5.5

Bathrooms

3,703

Sqft

0.07 ac

Lot size

1

Garage

2024

Year built

Three Or More

Levels

$810

Per sqft

Private poolWaterfrontNegotiablePets allowed

Inside

FlooringTile
AppliancesBuilt-In Oven · Cooktop · Disposal · Dryer · Ice Maker · Microwave · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · Elevator · High Ceilings · PrimaryBedroom Upstairs · Solid Surface Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room · Other
CoolingCentral Air · Mini-Split Unit(s) · Wall/Window Unit(s)
HeatingCentral · Electric · Wall Units / Window Unit
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionStucco
FoundationBlock
FacesNorth
ExteriorHurricane Shutters · Lighting · Outdoor Grill · Outdoor Kitchen · Sliding Doors · Storage

Community & fees

HOA fee$180/mo
Taxes (2025)$19,036/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Natural Gas Connected · Public · 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 and the real association fee — not generic estimates.

$19,239 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$16,188
PMI (est., until 20% equity)$1,125
Property tax — 2025 actual bill$1,586
HOA fee — from the listing$180
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $300,000Loan30-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% · $300,000
Interest rate6.00%
Loan term

Estimated payment

$19,239/mo

Principal & interest$16,188
PMI (est., until 20% equity)$1,125
Property taxes (actual bill)$1,586
HOA / condo fee$180
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.

$/sqft vs Cape Coral actives

$810 vs $247

Days on market

36 vs 39 typical

Where $810/sqft sits among the 336 Cape Coral actives

200
72
42
13
4
5 · this home
$157–266$266–375$375–484$484–593$593–701$701+

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 Harbour

Map of 5826 SHELL COVE DRIVE inside its neighborhood boundary

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

Cape Harbour — neighborhood snapshot

Population

267

Median age

78

Median income

$90,063

Median home value

$628,800

Avg household

2

For the school run

Lee County School District

MiddleGulf Middle School★★★★★
HighIda S. Baker High School★★★★★
ElementaryGulf Elementary School★★★★
ElementaryPelican Elementary School★★★★★
ElementaryCape Elementary School★★★★★
HighCape Coral High School★★★★★
MiddleTrafalgar Middle School★★★★★
HighMariner High School★★★★
HighNorth Fort Myers High School★★★★

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

The numbers that matter

The Cape Coral market

Seller’s marketLeans buyer7.2 months of inventoryBuyer’s market

$375K$411K

Cape Coral median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

112 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 652% above the CAPE CORAL 33914 median. See the full Cape Coral market guide →

Paper trail

This home's history

CurrentPrice reduced to $3,000,000 $200K
Jun 22, 2026Listed at $3,200,000 · 36 days on market since
2024Built · WATERFRONT/CAPE HARBOUR

Reality check

What actually sold near 5826 SHELL COVE DRIVE

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

5957 TARPON GARDENS CIRCLE UNIT 202Sold · Jun ’26

$665,000

5957 TARPON GARDENS CIRCLE UNIT 202

3 bd · 3 ba · 3,080 sqft · $216/sqft · 25 DOM

5957 Tarpon Gardens CIR # 202, Cape Coral FL 33914Sold · Jun ’26

$665,000

5957 Tarpon Gardens CIR # 202, Cape Coral FL 33914

3 bd · 3 ba · 3,080 sqft · $216/sqft · 25 DOM

4833 SW 25TH PLACESold · Feb ’26

$1,630,000

4833 SW 25TH PLACE

4 bd · 4 ba · 2,680 sqft · $608/sqft · 129 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 5826 SHELL COVE 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 5826 SHELL COVE 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

5826 SHELL COVE DRIVE FAQs

What would the monthly payment be for 5826 SHELL COVE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,239/mo — principal and interest, the actual property-tax bill, the $180/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 5826 SHELL COVE DRIVE?+

The association fee works out to $180 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5826 SHELL COVE DRIVE?+

The most recent tax bill on record (2025) was $19,036. 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 5826 SHELL COVE DRIVE?+

The listing reports pets: Yes. 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 $3,000,000, this home is listed about 590% above the Cape Coral median of $435,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5826 SHELL COVE DRIVE?+

Gulf Middle School (middle), Ida S. Baker High School (high), Gulf Elementary School (elementary), Pelican Elementary School (elementary), Cape Elementary School (elementary), Cape Coral 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

01Positioned at the premium end

$3,000,000 runs 652% above the CAPE CORAL 33914 median — but at 3,703 sqft it's also nearly twice the size of 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

Gulf Middle School, Ida S. Baker High School, Gulf Elementary School, Pelican Elementary School, Cape Elementary School, Cape Coral 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.

04The price has already moved

Listed at $3,200,000, now $3,000,000 — a $200K cut. The full history is in the market section below.

Listing courtesy of THE KEYES COMPANY · Jeffrey Miloff. MLS #TB8521864.

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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