4227 NW 28TH STREET, Cape Coral, FL, 33993 | $1,299,998

Experience premier Gulf-access living in Northwest Cape Coral, where direct boating access, wide water views, and refined design come together in a property built for both lifestyle and opportunity. With no bridges to the Gulf and a tranquil lake backdrop, this residence offers rare flexibility for investors, seasonal owners, or full-time waterfront living.

Constructed in 2018, the home features 3 bedrooms plus a den, 3 full baths, and 2, 526 square feet of thoughtfully arranged living space. A split-bedroom floor plan ensures privacy for owners and guests alike, making it ideal for extended stays or rental use. Upon entering, expansive water views immediately capture attention, complemented by coffered and tray ceilings, French doors, custom cabinetry, and a soft coastal color palette that creates an atmosphere of understated elegance.

The open-concept kitchen is designed to support both entertaining and everyday living. A large center island anchors the space, while double ovens, a wine cooler, reverse osmosis system, and abundant cabinetry provide both functionality and style. The kitchen flows seamlessly into the main living and dining areas, keeping the water view as the natural focal point. A wet bar and spacious gathering areas enhance the home’s entertainment appeal.

The primary suite offers a private retreat with direct lanai access and peaceful water views. The spa-inspired bath features dual vanities, a soaking tub, and a multi-head walk-in shower. Guest bedrooms are generously sized, and the flexible den allows for use as a home office, additional sleeping space, or media room.

Outdoor living defines the experience. The expansive screened lanai creates a private resort setting complete with a heated saltwater pool and integrated spa, both enhanced by a reverse osmosis system. An outdoor kitchen, covered seating areas, and the serene lake setting provide the perfect environment for hosting or relaxing after a day on the water.

Additional highlights include impact-resistant windows and doors, concrete block construction, a tile roof, a 3-car garage, paver driveway, and strong curb appeal. With no HOA restrictions and direct access to open water, this property is positioned for continued rental success or personal enjoyment.

Conveniently located near shopping, dining, and major corridors, this home delivers boating convenience, privacy, and enduring value in one exceptional Northwest Cape Coral waterfront setting.

Features

  • Rooms: 5
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Inside, Washer Hookup
  • Style: Florida, Ranch
  • Year Built: 2018
  • Garage: 3-car Covered, Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,526
  • Acreage: 0.24
  • Est. Taxes: $13,541
  • View: Water
  • Pool: Heated, In Ground, Salt Water, Screen Enclosure
  • Pet Policy: Dogs OK, Yes
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer, Whole House R.O. System, Wine Refrigerator
  • MLS#: C7519124
  • Days on Market: 47 days
  • Website: https://www.raveis.com
    /eprop/C7519124/4227nw28thstreet_capecoral_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 3/10/2026 7:47:05 AM)
Listing courtesy of SELLSTATE EXCELSIOR REALTY   Phone: 239-471-0963

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

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4227 NW 28TH STREET, Cape Coral, FL, 33993

$1,299,998

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,039,998 $1,039,998 $1,039,998
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.202% 6.121% 6.011%
Monthly Tax Payment $1,128 $1,128 $1,128
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,987 $6,235 $8,636
Total Monthly Payment $7,240 $7,488 $9,889

* 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.