# 3520 SW 3rd Terrace, Cape Coral, FL 33991 > **TL;DR:** 4bd/3ba single family, $1,499,000 ($502/sqft), built 2006, 2,986 sqft. > Pool, Waterfront, View, A/C. Est. $8,017/mo. Listed 83 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,499,000 | | Price/sqft | $502 | | Bedrooms | 4 | | Bathrooms | 3 full | | Square Feet | 2,986 | | Year Built | 2006 | | Lot Size | 10,019 sqft (0.23 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 83 | ## Why This Home Stands Out - **Pool** - Pool listed; type not specified - **Waterfront** - Waterfront location listed - **Views** - Water ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $7,580 | | Estimated Insurance | $437 | | **Total** | **$8,017** | ## Key Amenities - Pool - Waterfront - View - A/C - 2-car garage ## Property Highlights - Built in 2006 - 0.23 acre lot - 2 stories - Private pool - Waterfront ## Description ### Agent 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. ## Location - **Address:** 3520 SW 3rd Terrace, Cape Coral, FL 33991 - **County:** Lee - **Neighborhood:** CAPE CORAL - **Coordinates:** 26.645747, -82.047761 - **Google Maps:** https://www.google.com/maps?q=26.645747,-82.047761 ## Virtual Tour & Media - **Video Tour:** https://media.naplescreativemedia.com/videos/01a02559-e927-70cc-b3dc-305ca5645036 ## Listing Agent - **Name:** Lisa Jackson · **License:** 252013409 - **Brokerage:** Century 21 Selling Paradise - **Broker Phone:** (239) 542-5777 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3520-SW-3rd-Ter_Cape-Coral_FL_33991_M66090-16717?f=listhub&s=FMSWFL&m=2026034105&c=propsimple) ## Photos ![3520 SW 3rd Terrace - Photo 1](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f448519484r.jpg) ![3520 SW 3rd Terrace - Photo 2](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f4025679698r.jpg) ![3520 SW 3rd Terrace - Photo 3](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3129229037r.jpg) ![3520 SW 3rd Terrace - Photo 4](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3122911894r.jpg) ![3520 SW 3rd Terrace - Photo 5](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f656100071r.jpg) ![3520 SW 3rd Terrace - Photo 6](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f453079681r.jpg) ![3520 SW 3rd Terrace - Photo 7](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1293226684r.jpg) ![3520 SW 3rd Terrace - Photo 8](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1087673081r.jpg) ![3520 SW 3rd Terrace - Photo 9](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3434077595r.jpg) ![3520 SW 3rd Terrace - Photo 10](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f348919913r.jpg) ![3520 SW 3rd Terrace - Photo 11](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2236257789r.jpg) ![3520 SW 3rd Terrace - Photo 12](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3516903652r.jpg) ![3520 SW 3rd Terrace - Photo 13](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1320572157r.jpg) ![3520 SW 3rd Terrace - Photo 14](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f614130905r.jpg) ![3520 SW 3rd Terrace - Photo 15](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2304260273r.jpg) ![3520 SW 3rd Terrace - Photo 16](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f956945878r.jpg) ![3520 SW 3rd Terrace - Photo 17](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2435930669r.jpg) ![3520 SW 3rd Terrace - Photo 18](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2338498367r.jpg) ![3520 SW 3rd Terrace - Photo 19](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3595037099r.jpg) ![3520 SW 3rd Terrace - Photo 20](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2312225782r.jpg) ![3520 SW 3rd Terrace - Photo 21](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f991295587r.jpg) ![3520 SW 3rd Terrace - Photo 22](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f936320663r.jpg) ![3520 SW 3rd Terrace - Photo 23](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f333972134r.jpg) ![3520 SW 3rd Terrace - Photo 24](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1357300625r.jpg) ![3520 SW 3rd Terrace - Photo 25](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2210931275r.jpg) ![3520 SW 3rd Terrace - Photo 26](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2729621265r.jpg) ![3520 SW 3rd Terrace - Photo 27](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1762986r.jpg) ![3520 SW 3rd Terrace - Photo 28](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f4099406819r.jpg) ![3520 SW 3rd Terrace - Photo 29](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2194000885r.jpg) ![3520 SW 3rd Terrace - Photo 30](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3958939305r.jpg) ![3520 SW 3rd Terrace - Photo 31](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3312994636r.jpg) ![3520 SW 3rd Terrace - Photo 32](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f722136411r.jpg) ![3520 SW 3rd Terrace - Photo 33](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2521541875r.jpg) ![3520 SW 3rd Terrace - Photo 34](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3778806108r.jpg) ![3520 SW 3rd Terrace - Photo 35](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1502157808r.jpg) ![3520 SW 3rd Terrace - Photo 36](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3801533106r.jpg) ![3520 SW 3rd Terrace - Photo 37](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2932098527r.jpg) ![3520 SW 3rd Terrace - Photo 38](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2353367591r.jpg) ![3520 SW 3rd Terrace - Photo 39](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3574586907r.jpg) ![3520 SW 3rd Terrace - Photo 40](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f4131319247r.jpg) ![3520 SW 3rd Terrace - Photo 41](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1288876447r.jpg) ![3520 SW 3rd Terrace - Photo 42](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1614795482r.jpg) ![3520 SW 3rd Terrace - Photo 43](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3741645205r.jpg) ![3520 SW 3rd Terrace - Photo 44](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1735806538r.jpg) ![3520 SW 3rd Terrace - Photo 45](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3742921987r.jpg) ![3520 SW 3rd Terrace - Photo 46](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f1874743664r.jpg) ![3520 SW 3rd Terrace - Photo 47](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f3690018238r.jpg) ![3520 SW 3rd Terrace - Photo 48](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f2170738812r.jpg) ![3520 SW 3rd Terrace - Photo 49](http://lh.rdcpix.com/f99826275c6495ae448ef58fc52dd978l-f711207975r.jpg) --- **MLS#:** 2026034105 | **Updated:** 2026-10-29 **Source:** listhub *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.* [View on PropertySimple](https://www.propertysimple.ai/listing/3520-sw-3rd-terrace-cape-coral-fl-33991-70b57bfe83b148359ad062b36dee6e02) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/3520-sw-3rd-terrace-cape-coral-fl-33991-70b57bfe83b148359ad062b36dee6e02#listing", "url": "https://www.propertysimple.ai/listing/3520-sw-3rd-terrace-cape-coral-fl-33991-70b57bfe83b148359ad062b36dee6e02", "name": "3520 SW 3rd Terrace, Cape Coral, FL 33991", "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. 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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. 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