1813 SE 21st Terrace Cape Coral, FL 33990
Hancock NeighborhoodEstimated payment $5,270/month
Total Views
362
3
Beds
2.5
Baths
2,222
Sq Ft
$382
Price per Sq Ft
Highlights
- Boat Dock
- Heated Pool and Spa
- Maid or Guest Quarters
- Cape Elementary School Rated A-
- Home fronts a canal
- Vaulted Ceiling
About This Home
Breathtaking Custom Gulf Access Pool Home – Flood Insurance Only $700/Year! (GRANDFATHERED IN & TRANSFERABLE)
This is not your average waterfront property—it’s a rare opportunity to own a custom-built Gulf access home that blends style, sophistication, and peace of mind. Ideally located just 10 minutes to open water, this home sits in the heart of it all—close to shopping, Eco Park, Veterans Bridge, and minutes from the scenic Caloosahatchee River. And unlike most waterfront homes, this property comes with a grandfathered flood insurance policy of just $700 per year, transferable to the new owner!
Designed with a split floor plan, the home offers 3 spacious bedrooms plus a den, 2.5 baths, and an oversized 3-car garage. One of the guest bedrooms even has direct pool access and doubles as a pool bath, creating the perfect setup for visitors. The luxurious primary suite offers two walk-in closets, a spa-worthy walk-through shower with 4 shower heads, and an oversized jetted tub for the ultimate retreat.
The chef’s kitchen is a showstopper—equipped with a gas cooktop and oven, soft-close dovetail cabinetry, endless storage, gleaming granite counters, and a striking Mother of Pearl backsplash that sets the tone for entertaining or everyday meals. Granite surfaces continue throughout the home, including in the indoor laundry room with a convenient wash sink, tying the design together beautifully.
Throughout the home, details impress—crown molding, 8-foot solid core doors, soaring 14-foot coffered ceilings with LED lighting, and impact windows and doors. Expansive 8-foot pocketing sliders seamlessly blend indoor and outdoor living, enhanced by electric remote-control shades for privacy and comfort.
Step onto the lanai and experience a true paradise: an expansive layout with both a covered lounge area and a massive open space—the possibilities here are endless. A spectacular infinity pool wrapped in glass tile, with waterfalls, four fountains, and an oversized 8-person Jacuzzi, becomes the centerpiece. With the Pentair Wi-Fi system, you can control every detail of the pool and spa from your phone.
Outdoors, this property was designed for the waterfront lifestyle. A seawall and captain’s dock are already in place, and with a blank slate ready for your future custom dock and lift, you can design it exactly the way you want. Launch kayaks, fish right from your backyard, or relax with a cocktail as the sun sets.
This home is packed with thoughtful extras, including a whole-home reverse osmosis water system, a 500-gallon buried propane tank that powers the whole-house generator, gas stove, water heater, and even the poolside grill. Whether you’re entertaining or enjoying quiet evenings, you’ll be treated to unforgettable sunrises and sunsets from your lanai or dock.
This property is truly one-of-a-kind—a stunning Gulf access retreat where luxury, lifestyle, and affordability meet. Don’t miss your chance to make it yours!
Listing Agent
Keller Williams Realty Fort Myers and the Islands Brokerage Phone: 863-273-2861 License #478503743 Listed on: 08/26/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $7,786
Year Built
- Built in 2018
Lot Details
- 10,019 Sq Ft Lot
- Home fronts a canal
- South Facing Home
- Rectangular Lot
- Sprinkler System
- Property is zoned R1-W
Parking
- 3 Car Attached Garage
- Garage Door Opener
- Driveway
Home Design
- Shingle Roof
- Stucco
Interior Spaces
- 2,222 Sq Ft Home
- 1-Story Property
- Crown Molding
- Coffered Ceiling
- Tray Ceiling
- Vaulted Ceiling
- Sliding Windows
- Great Room
- Formal Dining Room
- Home Office
- Screened Porch
- Tile Flooring
- Canal Views
Kitchen
- Eat-In Kitchen
- Gas Cooktop
- Microwave
- Dishwasher
- Disposal
Bedrooms and Bathrooms
- 3 Bedrooms
- Split Bedroom Floorplan
- Closet Cabinetry
- Walk-In Closet
- Maid or Guest Quarters
- Dual Sinks
- Hydromassage or Jetted Bathtub
- Multiple Shower Heads
- Separate Shower
Laundry
- Laundry Room
- Dryer
- Washer
Home Security
- Security System Owned
- Impact Glass
- High Impact Door
- Fire and Smoke Detector
Pool
- Heated Pool and Spa
- Heated In Ground Pool
- Heated Spa
- In Ground Spa
- Screen Enclosure
Outdoor Features
- Canal Access
- Screened Patio
- Outdoor Water Feature
Utilities
- Central Heating and Cooling System
- Power Generator
- Cable TV Available
Listing and Financial Details
- Legal Lot and Block 21 / 5377
- Assessor Parcel Number 29-44-24-C4-05377.0210
Community Details
Overview
- No Home Owners Association
- Cape Coral Subdivision
Amenities
- Bike Room
Recreation
- Boat Dock
Map
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Home Values in the Area
Average Home Value in this Area
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $7,786 | $481,227 | -- | -- |
| 2023 | $7,587 | $462,211 | $0 | $0 |
| 2022 | $7,287 | $453,603 | $0 | $0 |
| 2021 | $7,601 | $503,867 | $100,000 | $403,867 |
| 2020 | $7,765 | $434,311 | $0 | $0 |
| 2019 | $7,556 | $424,546 | $0 | $0 |
| 2018 | $2,234 | $110,000 | $110,000 | $0 |
| 2017 | $2,110 | $96,000 | $96,000 | $0 |
| 2016 | $1,788 | $96,000 | $96,000 | $0 |
| 2015 | $1,717 | $94,000 | $94,000 | $0 |
| 2014 | -- | $67,000 | $67,000 | $0 |
| 2013 | -- | $52,100 | $52,100 | $0 |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 10/01/2025 10/01/25 | Pending | -- | -- | -- |
| 08/26/2025 08/26/25 | For Sale | $849,900 | +899.9% | $382 / Sq Ft |
| 06/24/2016 06/24/16 | Sold | $85,000 | -29.2% | -- |
| 05/25/2016 05/25/16 | Pending | -- | -- | -- |
| 11/27/2015 11/27/15 | For Sale | $120,000 | -- | -- |
Source: Florida Gulf Coast Multiple Listing Service
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Interfamily Deed Transfer | -- | Accommodation | |
| Corporate Deed | $69,000 | Team Title Insurance Inc | |
| Warranty Deed | $69,000 | Team Title Insurance Inc |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $250,000 | Future Advance Clause Open End Mortgage | |
| Closed | $90,000 | Unknown |
Source: Public Records
Similar Homes in Cape Coral, FL
Source: Florida Gulf Coast Multiple Listing Service
MLS Number: 2025007400
APN: 29-44-24-C4-05377.0210
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