330 NE 20TH STREET, Cape Coral, FL, 33909 | $649,000

One-of-a-Kind Cape Coral Freshwater Canal Estate – Just Under Half an Acre of Luxury & Fun! Step into a home unlike any other. Nestled on 150 feet of freshwater canal frontage with privacy fencing and an open rear water view, this custom-designed 4-bedroom, 2. 5-bath pool home is located in a NO FLOOD ZONE and feels like new, exuding charm at every turn. The lush, whimsical landscaping features a decorative pond complete with a functioning train and railroad track—creating an unforgettable, feel-good welcome to your front door. Designed with accessibility in mind, the entryway accommodates wheelchair access, while a second paved driveway offers convenient backyard entry and a beautifully maintained gravel area ideal for boat or recreational vehicle storage. The expansive lot also offers the potential to be split, providing additional flexibility and value. Inside, over 2, 500 square feet of thoughtfully designed living space awaits. The formal living room impresses with vaulted ceilings and sliding glass doors leading to the lanai, while the dining area is perfectly suited for entertaining. The spacious family room showcases tray ceilings, stunning water views, Hunter Douglas Silhouette shades with blackout options, and exterior rolling shutters for added hurricane protection. The primary suite is a true retreat, featuring vaulted ceilings, French doors to the lanai, dual walk-in closets with custom organizers, a soaking tub, dual granite vanities, and a walk-in shower. The chef’s kitchen is both stylish and functional, offering granite countertops, soft-close cabinetry, ambient lighting, a farmhouse sink with a touch-activated faucet, a brand-new microwave, a 2024 refrigerator, and a raised dishwasher for added convenience. Experience Florida living at its finest on the expansive lanai, complete with a pool café window, a gazebo with a gas fire pit, and a stunning saltwater pool featuring two cascading bowl water features and three mini waterfalls. A convenient poolside half bath enhances the outdoor entertaining experience. The three-car garage is equally impressive, featuring epoxy flooring, attic storage space, and a mini-split system to keep the space cool and comfortable year-round. Notable upgrades include a newer roof (2023), impact windows and doors, an impact garage door, electric and manual hurricane shutters, a new pool cage (2024), a resurfaced pool (2024), and a Lennox Signature Series HVAC system (2025) for energy-efficient comfort. Ideally located near shopping, dining, parks, and top-rated schools, this exceptional property offers the perfect blend of luxury, functionality, and fun—truly a rare Cape Coral gem.

Features

  • Rooms: 5
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Lot Size: 80 x 125
  • Laundry: Inside
  • Year Built: 2007
  • Garage: 3-car Boat, Driveway, Garage Door Opener, Guest, Open, Oversized, Parking Pad
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,515
  • Acreage: 0.46
  • Lot Size: 80 x 125
  • Est. Taxes: $4,091
  • Lot Desc: City Lot, Oversized Lot
  • View: Water
  • Pool: In Ground, Salt Water, Screen Enclosure
  • Appliances: Dishwasher, Disposal, Dryer, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Touchless Faucet, Trash Compactor, Washer, Whole House R.O. System
  • MLS#: C7523661
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/C7523661/330ne20thstreet_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 4/19/2026 7:47:21 PM)

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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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330 NE 20TH STREET, Cape Coral, FL, 33909

$649,000

Bob McGrath

Sales Associate

William Raveis Real Estate

Phone: 941.628.1069

Bob.McGrath@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 $519,200 $519,200 $519,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.304% 5.648%
Monthly Tax Payment $341 $341 $341
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,071 $3,155 $4,208
Total Monthly Payment $3,504 $3,588 $4,641

* 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.