David Ramirez
Pending
$489,000$499,0003 bd2 ba1,614 sqft$303 /sqft$3,603 /mo all-in ↓

2012 NE 33RD LANE, CAPE CORAL, FL, 33909

Pending46 days on marketListed Jun 9, 2026MLS #V4949558

Reduced $10KWaterfrontPrivate poolSingle Family ResidenceCAPE CORAL

About this home

2012 NE 33RD LANE

Waterfront Luxury | Double Lot | New Roof | Heated Pool | Canal Views | No Flood Zone Stunning 3BD/2BA, 1,614 sq ft two-story waterfront home on a rare double lot in Cape Coral with freshwater canal access and over $60,000 in recent improvements — truly move-in ready with every major ticket item already handled. Wake up and step onto your private second-floor balcony with sweeping canal views, then head downstairs to launch your kayak, paddleboard, or small boat right from your backyard. Spend afternoons floating in the heated pool with color-changing LED lights, elegant fountains, and sun shelf — by day a sparkling resort escape, by night a glowing backyard showpiece. End your evenings around the fire pit as the breeze rolls off the water, string lights swaying overhead. The oversized pergola is ready to become your dream tiki bar or garden retreat, and the fully fenced yard with 6’ privacy fencing on both sides creates a true private oasis. The aerial views tell the full story — this lot is genuinely exceptional and rarely available in this area. Inside, the open floorplan and soaring vaulted ceilings make an immediate impression, anchored by a striking designer staircase with custom board-and-batten molding and statement sconces. Beautiful lead glass entry doors and arched doorways add architectural character throughout. The kitchen features stainless appliances and flows naturally into the living area. The primary suite is a genuine retreat — spacious and serene, with a private loft, large soaking tub, marble vanity, and direct sliding door access to the water-view balcony. Every bedroom has its own personality and the home is carpet-free throughout. The 2-car garage includes laundry, generous storage, conveniently located near community park and just minutes from major area amenities. Every Major Ticket Item — Already Done For You: • Brand new roof (2026) — insurance-ready from day one • New AC system (2024) — full system replacement • New water heater (2023) • Paid-off solar panels • Whole-house water softening system • Hurricane shutters throughout • Heated pool with color-changing LED, fountains & sun shelf (2021) • Screened porch, storage shed, outdoor furniture & pool chairs included Proven rental income at $3,650/month. No flood zone. No HOA. Minutes from Cape Coral Beach, Downtown Cape Coral, and Downtown Fort Myers. Tenant occupied through August 31, 2026. Welcome home!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,614

Sqft

0.46 ac

Lot size

2

Garage

2008

Year built

Two

Levels

$303

Per sqft

Private poolWaterfrontWater view

Inside

FlooringCeramic Tile · Laminate
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
ViewWater
FacesNorth
ParkingGarage Door Opener
ExteriorFire Pit · Hurricane Shutters · Irrigation System · Private Mailbox · Rain Gutters

Community & fees

Taxes (2025)$4,174/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Available · Electricity Connected
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.

$3,603 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,879
FHA mortgage insurance (est.)$216
Property tax — 2025 actual bill$348
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,115Loan30-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% · $17,115
Interest rate6.00%
Loan term

Estimated payment

$3,603/mo

Principal & interest$2,879
FHA mortgage insurance (est.)$216
Property taxes (actual bill)$348
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.

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 $489K
$438KedgeAI estimate $476,796 · range $456K$516K$537K

vs edgeAI estimate

+2.6%

$/sqft vs CAPE CORAL

$303 vs $246

Days on market

46 vs 39 typical

Where $303/sqft sits among the 125 homes for sale in CAPE CORAL

46
36
13 · this home
11
7
12
$161–222$222–283$283–344$344–405$405–466$466+

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

Map of 2012 NE 33RD LANE inside its neighborhood boundary

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

HighIsland Coast High School★★★★
ElementaryDr Carrie D Robinson Littleton Elementary School★★★★★
ElementaryDiplomat Elementary School★★★★
MiddleDiplomat Middle School★★★★★
ElementaryTropic Isles Elementary School★★★★★
HighNorth Fort Myers High School★★★★
ElementaryHancock Creek Elementary School★★★★
HighMariner High School★★★★
MiddleCaloosa Middle School★★★★
ElementaryCaloosa Elementary 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)

53 of 125

CAPE CORAL have cut their price

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

This home is listed 589% above the CAPE CORAL 33909 median. See the full Cape Coral market guide →

Paper trail

This home's history

CurrentPrice reduced to $489,000 $10K
Jun 9, 2026Listed at $499,000 · 46 days on market since
2008Built · CAPE CORAL

Reality check

What actually sold near 2012 NE 33RD LANE

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

3024 NE 7TH PLACESold · Dec ’25

$300,000

3024 NE 7TH PLACE · same community

4 bd · 2 ba · 1,617 sqft · $186/sqft · 47 DOM

217 SW 43RD TERRACESold · Mar ’26

$310,000

217 SW 43RD TERRACE · same community

3 bd · 2 ba · 1,661 sqft · $187/sqft · 108 DOM

1307 SE 22ND TERRACESold · Dec ’25

$175,000

1307 SE 22ND TERRACE · same community

3 bd · 2 ba · 1,679 sqft · $104/sqft · 0 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 2012 NE 33RD LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2012 NE 33RD LANE — 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

2012 NE 33RD LANE FAQs

What would the monthly payment be for 2012 NE 33RD LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,603/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 2012 NE 33RD LANE?+

The most recent tax bill on record (2025) was $4,174. 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 2012 NE 33RD LANE?+

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 $489,000, this home is listed about 12% 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 2012 NE 33RD LANE?+

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

Four things that matter here

01Positioned at the premium end

$489,000 runs 589% above the CAPE CORAL 33909 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

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.

04The price has already moved

Listed at $499,000, now $489,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of RE/MAX SIGNATURE · Candy Jaworski. MLS #V4949558.

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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