322 NE 20th Street Cape Coral, FL $ 549,900
322 NE 20th Street
$ 549,900
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322 NE 20th Street

Cape Coral, FL, 33909
$ 549,900
Bedrooms4 Baths3.0 Sq 2,264

Monthly Estimate*

$ 3,472

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Single Family Home for sale in Cape Coral, FL

for $549,900 with 4 bedrooms and 3 full baths. This 2,264 square foot home was built in 2026 on a lot size of 0.244.

Custom Waterfront Luxury on a Freshwater Canal – Estimated Completion December 2026! Experience the ultimate Florida waterfront lifestyle in this stunning, high-end custom home. Situated on a premium freshwater lot with a brand-new completed seawall, your backyard opens up to an intersecting 400-mile freshwater canal system. Fish, canoe, or take your pontoon boat out right from your own property. Best of all, enjoy absolute freedom and peace of mind: this home is situated entirely out of the flood zone, requiring No Flood Insurance, No HOA, No CDD, and No Water Bill. Interior Features & Multi-Generational Layout Designed with soaring high ceilings and premium finishes throughout, this single-story 4-bedroom, 3-bathroom home, Two Master Suites with Full Bathroom's and Access to the Pool Lanai Area, completely redefines "cookie-cutter." The heart of the home is a spectacular chef’s kitchen featuring a 10-foot island with a modern waterfall edge. The highly desirable floor plan boasts TWO Master Suites (perfect for an in-law suite setup). Both primary bedrooms feature luxurious full bathrooms, walk-in closets with custom shelving, and direct private access to the covered lanai and pool area. Outdoor Oasis & Climate-Controlled Garage Step out to your private backyard retreat, complete with a custom saltwater pool and spacious covered lanai. An elegant pavered driveway leads to a fully finished, attached 2-car garage that will thrill car enthusiasts and hobbyists. It is fully drywalled, features soundproof spray foam insulation, pull-down attic stairs for extra storage, and comes with its own dedicated AC and heating system—effectively expanding your climate-controlled footprint. Efficiency, Tech & Construction Full energy-efficient, Low-E impact glass on all exterior windows and doors. Ring security system included for both the front and backyard. 2-10 Home Warranty included for complete peace of mind. Upgrade Option: Buyers have the option to upgrade to interior metal framing and full-home spray foam insulation. Exclusive Promotions & Financing Incentives Builder Promo: Put this home under contract with selective upgrades, and receive a FREE $10,000 whole-house reverse osmosis system. Zero Down Financing: 100% lender financing available with NO money down and NO mortgage insurance premium (PMI). First-Time Homebuyer Special: Use the preferred lender and receive an additional $3,000 toward closing costs with a 3% down / NO PMI loan program. Please Note: Construction has started with an estimated completion date of December 2026. The photos provided are of a similar model home (which is available to view) for illustrative purposes only, and may feature upgraded options from previous builds. This home is currently under construction.

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Single Family Active

Price

$ 549,900

Bedrooms

4

Full Bath

3

Property Type

Single Family

Taxes

$ 1,111

Style

Ranch, One Story

Lot Size

0.244

Year Built

2026

Town/City

Cape Coral

County/Region

Lee

MLS | Web ID

2026034667

Features
General
Sewer Septic Tank
Heating Heat Pump
Cooling Heat Pump
Utilities Cable Available
Possession Close Of Escrow
Roof Shingle
Appliances Double Oven Dishwasher Electric Cooktop Disposal Ice Maker Microwave Refrigerator RefrigeratorWithIce Maker Water Purifier
HOA Fee 0
Garage Spaces 2
Association Fee Includes Cable TV
Patio/Porch Features Open Porch
Architectural Style Ranch One Story
Pool Features Electric Heat Heated
Construction Materials Block Concrete Stucco
Pets Allowed Yes
Year Built 2026
View Canal
Stories Count 1
Property Subtype Single Family Residence
Tax Year 2025
Ownership Single Family
Waterfront Features Seawall
Community Features None
HOA Fee 2 0
County Lee
Property Type Residential
Association Amenities None
HOA false
Attached Garage true
Subdivision Name CAPE CORAL
Facing Direction Northeast
Garage Y/N true
Total Rooms 0
Full Baths 3
Status Active
High School SCHOOL CHOICE
City Cape Coral
Disclosures Owner Is Listing Agent
Land Lease Amount 0
Senior Community Y/N false
Zoning Description R1-W
MLS Area CC31 - Cape Coral Unit 17 31-36
Lot Size Units Acres
Carport Spaces 0
Carport Y/N false
Elementary School SCHOOL CHOICE
Tax Annual Amount 1111.36
Middle/Junior High School SCHOOL CHOICE
Property Condition Under Construction
Virtual Tour https://www.propertypanorama.com/instaview/fgcmls/2026034667
Standard Status Active
Tax Lot 33
Property Sub Type Additional Single Family Residence
Legal Description CAPE CORAL UNIT 36 PT 1 BLK 2545 PB 23 PG 94 LOTS 33 + 34
HOA Fee 3 0
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Interior
Interior Amenities Built-in Features Bedroom on Main Level Family/Dining Room French Door(s)/Atrium Door(s) Kitchen Island Living/Dining Room Multiple Primary Suites Cable TV Walk-In Closet(s)
Flooring Tile
Furnished Y/N Unfurnished
Total Stories 1
Air Conditioning Y/N true
Heating Y/N true
Window Features Impact Glass
Half Baths 0
Laundry Features Inside
Total Bedrooms 4
Room Type Bathroom
Total Baths 3
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Exterior
Gulf Access false
Exterior Amenities Security/High Impact Doors Sprinkler/Irrigation Outdoor Grill
Parking Features Attached Garage Two Spaces
Lot Features Rectangular Lot Sprinklers Automatic
Lot Size Area 0.244
Spa false
Building Area Total 4231
Lot Dimensions 85 x 125 x 85 x 125
Lot Size Acres 0.244
Private Pool true
Lot Size Source Survey
Waterfront Y/N true
Covered Spaces 2
Door Features French Doors
Other Equipment Reverse Osmosis System
Road Responsibility Public Maintained Road
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* Excluded Features
List By
Luis Coriano

Listing Agent

Lokation

Broker

corianonewhomes@gmail.com

Email

Affordability Calculator

$3,565
Per Month
97%
3%
0%
Monthly Principal & Interest
$3,472
Monthly Property Taxes
$93
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
0 Elementary School
0 Middle School
SCHOOL CHOICE High School High School
Pricing History
DatePricePrice ChangeDescription
9/19/2026$549,900 3.77% Price Up
9/19/2026$529,900 -5.36% Price Down
9/13/2026$559,900 -6.67% Price Down
9/12/2026$599,900 -4.76% Price Down
9/5/2026$629,900 5.00% Price Up
8/20/2026$599,900 -4.32% Price Down
8/20/2026$627,000 Listed Price

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322 NE 20th Street, Cape Coral, FL, 33909 is a Single Family Home for sale at $549,900 with 2,264 sqft and a lot size of 0.244. 322 NE 20th Street has 4 bedrooms, 3.0 baths, and was built in 2026. The property's zip code is 33909 which is in Cape Coral, FL