Experience Cape Coral waterfront living in this 4-bedroom + Den, 3-bath, nearly 3,000-sq.-ft. two-story home on a Gulf-access canal with southern rear exposure, a heated saltwater pool, and an exceptional private boating setup. The waterfront features a custom gray-plank dock and Captain’s Walk, built to the maximum square footage allowed and installed in 2022, plus two commercial-grade remote-controlled 10,000-lb. and 16,000-lb. boat lifts that can accommodate boats up to 38+ feet. Dock pilings were bored approximately 10 feet or more, and the dock includes power and well water access next to dock. The property also offers on-site boat-trailer parking with emergency in ground hurricane boat trailer straps. The southern rear exposure complements the screened lanai and heated saltwater pool, with LED smart pool lighting enhances evening use. Major improvements include a premium concrete tile roof, high-efficiency primary A/C system, upgraded plumbing, wind-mitigated window and pool-cage screens, triple sliding glass doors to lanai and pool area, four-zone automatic sprinkler system, and whole home generator wiring. High-speed connectivity includes Quantum Fiber and Xfinity. The exterior features refreshed charcoal-gray paint, updated landscaping and curbing, new St. Augustine sod for entire property with 4 zone smart WIFI irrigation system and epoxy coatings on the driveway, walkways, and garage floor.
Inside, the home offers an open layout with multiple living areas and an upstairs split-bedroom floor plan. The primary suite is positioned on one side -with its own private screened balcony, with the three additional bedrooms on the opposite side. A large upstairs area that can be a flex space for an office, media room, playroom, or second living area. The open main living area connects easily to the kitchen and screened outdoor space, creating a comfortable flow for everyday living and entertaining, while the waterfront setting, pool, and boating features make the property especially well suited to the Southwest Florida lifestyle. Interior walls and ceilings have been refreshed, the first floor features new LVP flooring, and the upper level has new carpeting. The kitchen offers solid black granite countertops, abundant cabinetry, and all new premium LG stainless steel appliance suite with InstaView and Craft Ice. The secondary upstairs bathroom has been remodeled with an upgraded tub and glass enclosure, dual sinks, updated finishes, and new flooring. Additional highlights include generous natural light throughout, multiple indoor and outdoor gathering spaces, and a layout that works well for both everyday living and entertaining. The combination of waterfront access, boating infrastructure, pool, upgrades, and flexible interior spaces creates a well-rounded Cape Coral Gulf-access property for year-round or seasonal living.
Active
Price cut: $100K (9/22)
$1,499,000
3520 SW 3rd Ter, Cape Coral, FL 33991
4beds
2,986sqft
Single Family Residence
Built in 2006
10,018 Square Feet Lot
$-- Zestimate®
$502/sqft
$-- HOA
What's special
Exceptional private boating setupHeated saltwater poolRefreshed charcoal-gray paintFour-zone automatic sprinkler systemGenerous natural light throughoutUpstairs split-bedroom floor planUpdated landscaping and curbing
- 50 days
- 328
- 10
Zillow last checked:
Listing updated:
Listed by:
Lisa Jackson 716-465-1602,
Century 21 Selling Paradise
Source: Florida Gulf Coast MLS,MLS#: 2026034105
Originating MLS: Florida Gulf Coast
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Rooms
- Room types: Den, Family Room, Other
Heating
- Central, Electric
Cooling
- Central Air, Ceiling Fan(s), Electric
Appliances
- Included: Dishwasher, Electric Cooktop, Freezer, Disposal, Microwave, Refrigerator, Self Cleaning Oven
- Laundry: Washer Hookup, Dryer Hookup, Inside, Laundry Tub
Features
- Breakfast Bar, Bathtub, Dual Sinks, Eat-in Kitchen, Family/Dining Room, French Door(s)/Atrium Door(s), High Ceilings, Living/Dining Room, Pantry, Separate Shower, Upper Level Primary, Walk-In Closet(s), Split Bedrooms, Den, Family Room, Other
- Flooring: Carpet, Vinyl
- Doors: French Doors
- Windows: Double Hung
Interior area
- Total structure area: 3,459
- Total interior livable area: 2,986 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Attached, Garage, Garage Door Opener
- Attached garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Patio & porch: Balcony
- Exterior features: Sprinkler/Irrigation, Shutters Manual
- Has private pool: Yes
- Pool features: Concrete, Electric Heat, Heated, In Ground, Screen Enclosure, Salt Water
- Has view: Yes
- View description: Canal, Water
- Has water view: Yes
- Water view: Canal,Water
- Waterfront features: Canal Access, Seawall
Lot
- Size: 10,018 Square Feet
- Dimensions: 80 x 125 x 80 x 125
- Features: Rectangular Lot, Sprinklers Manual
Details
- Parcel number: 184423C105351.0100
- Lease amount: $0
- Zoning description: R1
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Two Story
- Property subtype: Single Family Residence
Materials
- Block, Concrete, Stucco
- Roof: Tile
Condition
- Resale
- Year built: 2006
Utilities & green energy
- Sewer: Assessment Unpaid, Public Sewer
- Water: Assessment Unpaid, Public
- Utilities for property: Cable Available, High Speed Internet Available
Community & HOA
Community
- Features: Non-Gated
- Security: Security System, Smoke Detector(s)
- Condo and coop fee: $0
- Membership fee: $0
- Subdivision: CAPE CORAL
HOA
- Has HOA: No
- Amenities included: None
- Services included: None
Location
- Region: Cape Coral
Financial & listing details
- Price per square foot: $502/sqft
- Tax assessed value: $775,953
- Annual tax amount: $10,901
- Date on market: 8/23/2026
- Cumulative days on market: 51 days
- Listing terms: All Financing Considered,Cash,FHA,VA Loan
- Ownership: Single Family
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 9/22/2026 | Price change | $1,499,000-6.3%$502/sqft |
Source: | ||
| 8/23/2026 | Listed for sale | $1,599,000+219.8%$535/sqft |
Source: | ||
| 6/30/2020 | Sold | $500,000+4.2%$167/sqft |
Source: | ||
| 6/7/2020 | Pending sale | $479,900$161/sqft |
Source: RE/MAX Trend #220013852 Report a problem | ||
| 5/16/2020 | Listed for sale | $479,900$161/sqft |
Source: RE/MAX Trend #220013852 Report a problem | ||
| 4/25/2020 | Pending sale | $479,900$161/sqft |
Source: RE/MAX Trend #220013852 Report a problem | ||
| 4/21/2020 | Listed for sale | $479,900$161/sqft |
Source: RE/MAX Trend #220013852 Report a problem | ||
| 3/11/2020 | Pending sale | $479,900$161/sqft |
Source: RE/MAX Trend #220013852 Report a problem | ||
| 3/4/2020 | Price change | $479,900-2%$161/sqft |
Source: RE/MAX Trend #220013852 Report a problem | ||
| 2/20/2020 | Listed for sale | $489,900+13.1%$164/sqft |
Source: RE/MAX Trend #220013852 Report a problem | ||
| 4/27/2018 | Sold | $433,251-0.4%$145/sqft |
Source: | ||
| 3/29/2018 | Pending sale | $434,900$146/sqft |
Source: All Florida Property Group Inc #218019041 Report a problem | ||
| 3/8/2018 | Listed for sale | $434,900+4.8%$146/sqft |
Source: All Florida Property Group Inc #218019041 Report a problem | ||
| 11/29/2017 | Listing removed | $414,900$139/sqft |
Source: All Florida Property Group Inc #217021479 Report a problem | ||
| 8/17/2017 | Price change | $414,900-2.4%$139/sqft |
Source: All Florida Property Group Inc #217021479 Report a problem | ||
| 5/15/2017 | Price change | $425,000-5.5%$142/sqft |
Source: All Florida Property Group Inc #217021479 Report a problem | ||
| 5/2/2017 | Price change | $449,900-7.2%$151/sqft |
Source: All Florida Property Group Inc #217021479 Report a problem | ||
| 3/22/2017 | Listed for sale | $485,000+71.1%$162/sqft |
Source: All Florida Property Group Inc #217021479 Report a problem | ||
| 12/14/2016 | Sold | $283,400-44.4%$95/sqft |
Source: Public Record Report a problem | ||
| 2/24/2010 | Listing removed | $510,000$171/sqft |
Source: LocateHomes.com #200940298 Report a problem | ||
| 2/19/2010 | Price change | $510,000-1.9%$171/sqft |
Source: LocateHomes.com #200940298 Report a problem | ||
| 2/13/2010 | Listed for sale | $520,000+1250.6%$174/sqft |
Source: LocateHomes.com #200940298 Report a problem | ||
| 4/13/2001 | Sold | $38,500$13/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $10,901 +3.6% | $631,416 +2.9% |
| 2024 | $10,525 +16.6% | $613,621 +19.4% |
| 2023 | $9,030 +3.2% | $514,036 +3% |
| 2022 | $8,753 -3.7% | $499,064 |
| 2021 | $9,089 +7.5% | -- |
| 2020 | $8,454 +2.4% | $422,111 +2.3% |
| 2019 | $8,252 | $412,621 +14.2% |
| 2018 | $8,252 +2.9% | $361,304 +14.7% |
| 2017 | $8,021 +23.3% | $314,929 +8.1% |
| 2016 | $6,505 +5.8% | $291,396 -0.5% |
| 2015 | $6,147 -2.5% | $292,796 -8.3% |
| 2014 | $6,305 -7.6% | $319,179 +18.7% |
| 2013 | $6,825 +21.1% | $268,912 +4.1% |
| 2012 | $5,635 +14.9% | $258,390 -0.5% |
| 2011 | $4,903 -13% | $259,694 -10.1% |
| 2010 | $5,638 +5.1% | $288,993 +2.4% |
| 2009 | $5,365 -35.2% | $282,310 -42% |
| 2007 | $8,279 +49.5% | $486,600 +59.9% |
| 2006 | $5,537 +146.6% | $304,300 +190.6% |
| 2004 | $2,245 +65.1% | $104,700 +75.1% |
| 2003 | $1,360 +101.4% | $59,800 +111.9% |
| 2002 | $675 | $28,220 +66.7% |
| 2000 | -- | $16,930 |
Find assessor info on the county website
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