3830 SE 12th AVE, Cape Coral, FL, 33904 | $2,800

Rare opportunity to lease a full Gulf-access waterfront duplex in a highly desirable SE Cape Coral neighborhood, offering flexible leasing configurations with pricing varying based on unit selection and lease term. The property may be leased as one side of the duplex or as the entire full-property residence, making it ideal for two families, multi-generational groups, or extended seasonal stays. Each side of the duplex includes its own private entrance, full kitchen, spacious living area, bedrooms, bathrooms, and outdoor waterfront space. Guests can stay together while still enjoying the independence and flexibility of separate residences.
Situated on a deep-water canal with direct Gulf access, the property is ideal for boating enthusiasts or anyone wanting to experience true Florida waterfront living. A private dock sits behind the home, offering easy water access for boating, kayaking, paddleboarding, or simply relaxing by the water. With quick access to open Gulf waters, this location is an excellent home base for exploring Cape Coral’s waterways and nearby islands.
Both units come fully furnished and are thoughtfully equipped for 30-day or longer stays. Kitchens provide full cooking functionality, living spaces are arranged for extended comfort, and outdoor patios offer peaceful canal views—perfect for morning coffee or evening gatherings. The layout gives two families the rare ability to enjoy the same property without sacrificing privacy or personal space.
Conveniently located near shopping, dining, parks, marinas, and popular local amenities, this duplex offers exceptional waterfront convenience and practical livability. A unique extended-stay opportunity offering flexibility, space, and the full Florida lifestyle.

Features

  • Type: Multi Family
  • Building Design: Duplex
  • Amenities: None
  • Bedrooms: 4
  • Baths: 4 full
  • Style: Duplex
  • Development: CAPE CORAL
  • Year Built: 1979
  • Garage: 0.00
  • Heating: Central Electric
  • Cooling: Central Electric
  • Approx Sq. Feet: 2,136
  • View: Canal,Intersecting Canal,Landscaped Area,Pool/Club,Water
  • Community Type: Boating
  • Water Front: Yes
  • Boat Access: Boat Dock Private,Boat Lift,Captain's Walk,Jet Ski Lift,Water Avail at Dock,Wooden Dock
  • Private Pool: Yes
  • Pet Policy: With Approval
  • MLS#: 225079891
  • Website: https://www.raveis.com
    /prop/225079891/3830se12thave_capecoral_fl?source=qrflyer
Copyright © 2026  The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations Copyright Southwest Florida MLS organizations. All rights reserved.
Courtesy of Premiere Plus Realty Co.

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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3830 SE 12th AVE, Cape Coral, FL, 33904

$2,800

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $2,240 $2,240 $2,240
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.000% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.209% 6.178% 5.541%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $13 $13 $18
Total Monthly Payment $88 $88 $93

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.