About This Home

This 4-bedroom, 3-bathroom single family at 3520 SW 3rd Terrace in Cape Coral, FL is listed for $1,499,000 ($502 per sqft). Built in 2006, the home offers 2,986 sqft of living space on a 0.23 acres lot.

Key Features

  • Built in 2006
  • 0.23 acre lot
  • 2 stories
  • Private pool
  • Waterfront

Property Details

2 stories
3 full
2-car garage
2006

Amenities

PoolWaterfrontViewA/C
Listing Description

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.

Monthly Cost Estimate

$8,017/mo

20% down · 6.5% · 30 years

Principal$1,084
Interest$6,496
Insurance$437

Estimates only. Actual payments may vary.

Location

3520 SW 3rd Terrace

Cape Coral, FL 33991

CAPE CORAL

Features & Amenities

Interior Features

BreakfastBarBathtubDualSinksEatInKitchenFamilyDiningRoomFrenchDoorsAtriumDoorsHighCeilingsLivingDiningRoomPantrySeparateShowerUpperLevelPrimaryWalkInClosetsSplitBedrooms

Exterior Features

SprinklerIrrigationShuttersManual

Property Details

Flooring

VinylCarpet

Construction

Block Concrete Stucco

Views

Water

Pool Features

Pool

Parking

GarageOpen

Heating

Electric (Heating)Central

Cooling

Central AirElectricCeiling Fan(s)

Appliances

DishwasherElectricCooktopFreezerDisposalMicrowaveRefrigeratorSelfCleaningOven

Questions & Answers

This 4-bedroom, 3-bathroom single family at 3520 SW 3rd Terrace is listed at $1,499,000 ($502/sqft). The estimated monthly payment is $8,017 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 2006, 0.23 acre lot, 2 stories, Private pool, Waterfront. Interior Features: BreakfastBar, Bathtub, DualSinks. Exterior Features: SprinklerIrrigation, ShuttersManual.

This property is listed by Lisa Jackson.

LJ

Lisa Jackson

License 252013409

Agent at Century 21 Selling Paradise

Listed by Century 21 Selling Paradise · Broker phone: (239) 542-5777 · View on Broker Site

MLS# 2026034105· Source: Florida Gulf Coast Multiple Listing Service, Inc.· 81 days on PropertySimple

Copyright © 2026 Florida Gulf Coast Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

3520 SW 3rd Terrace, Cape Coral, FL 33991

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