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2245 SW 1st Ter
C- Composite 50.93
Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +16.4/30.0
  • ARV discount +15.0/15.0
  • DSCR +5.1/10.0
  • Schools +4.1/10.0
  • Livability +3.9/5.0
  • 1% rule +3.6/10.0
  • Condition / age +2.5/5.0
  • Rent growth +0.4/5.0
  • Appreciation +0.0/10.0

$275,000

2245 SW 1st Ter · Cape Coral, FL 33991
3 bd · 2.0 ba · 1,556 sqft · SingleFamily public records · 10 Days on market
Built 2002 0.34 ac lot Est $344k · 20% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to your slice of paradise in beautiful Cape Coral! Situated on a TRIPLE LOT (. 34 acres), this well-maintained 3-bedroom, 2-bath home offers the perfect blend of privacy, space, and Florida lifestyle living — all without the high cost of waterfront ownership. Boating and fishing enthusiasts will love the location! Just 2.1 miles from a Gulf-access boat ramp near Matlacha, you’ll have quick access to some of Southwest Florida’s best fishing and waterfront dining. There’s also a freshwater boat launch just a street over, plus plenty of room on the property to park your boat, trailer, toys, or even add a pool in the future. Inside, the home is bright, inviting, and freshly updated with brand-new interior paint, newer flooring in the living room, hallway, and bedrooms, and stainless steel appliances. The spacious owner’s retreat features TWO walk-in closets and sliding glass doors leading directly to the covered and screened lanai — the perfect place to enjoy your morning coffee or relax in the evenings overlooking the private backyard lined with mature trees. The split floor plan offers excellent functionality, and the guest bathroom conveniently doubles as a future pool bath with direct exterior access. Additional highlights include an indoor laundry room with sink, a 2-car garage, extra flooring being left for the new owner, updated landscaping with fresh plants and mulch, and a generator hookup for added convenience and peace of mind during storm season. Major updates provide peace of mind: • Roof – 2018 • A/C – 2019 • New Well Equipment – 2023 • Brand-New Water Heater 2026. Conveniently located just minutes from Pine Island Road shopping, grocery stores, restaurants, gyms, and only 4.3 miles from the charm, dining, and entertainment of Matlacha. Don’t miss the Zillow 3D tour — this one truly has to be seen to appreciate the space, privacy, and lifestyle it offers!

Key facts

  • Oversized triple lot
  • Generator hookup
  • Indoor laundry room

Tags

OVERSIZED TRIPLE LOTGULF-ACCESS BOAT RAMPFRESHWATER BOAT LAUNCHCOVERED AND SCREENED LANAIINDOOR LAUNDRY ROOMGENERATOR HOOKUP

Property features AI

Exterior

  • Parking: Attached garage; Driveway parking; 2 covered garage spaces
  • Utilities: Well water; Septic tank
  • Home design: Single-story; Faces east; Resale property
  • Construction: Block construction; Shingle roof
  • Exterior features: Patio; Room for a pool; Sprinkler system; Well irrigation

Interior

  • Kitchen: Dishwasher; Electric range; Microwave; Refrigerator
  • Flooring: Tile; Vinyl
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central heating; Central air conditioning
  • Interior features: Breakfast area; Combined living and dining room; Pantry; Split bedroom floorplan; Tub/shower; Vaulted ceilings; Walk-in closet(s); Unfurnished
  • Laundry & utility: Washer hookup; Dryer hookup; Laundry/utility room

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $275k.

Deal economics

  • At list price, monthly cash flow is $91 ($1k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $235k (14.5% below list).
  • Recommended offer: $235k (14.5% below list) — sets the bar for 1% rule.
  • Cap rate 7.0% vs local median 3.1% in Cape Coral — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 77/100 on livability (#208 in FL, #3,098 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, amenities B+; Watch: commute F.
  • Lee (suburban): math 47% / reading 50% proficiency, ranked #42 of 73 in FL (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Gulf Elementary School (math 70% / reading 65%, grade B+, #435 of 2,144 statewide, top 21%, 1,231 students, 38% FRL); Challenger Middle School (math 59% / reading 56%, grade B, #157 of 571 statewide, top 28%, 1,124 students, 50% FRL); Ida S. Baker High School (math 44% / reading 47%, grade D-, #223 of 667 statewide, top 34%, 1,933 students, 39% FRL) — zoned schools average 42% FRL vs 57% district-wide (15 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: Rents falling (-8.6%/yr); 691 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 15,411 units permitted in Lee County in 2024 (4,686 in 5+ unit buildings).
  • This rent runs 33% of the median local income ($84k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
  • Lee County population projected at +44% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
  • 3 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

  • Watch-outs: flood insurance adds $66/mo.
  • Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $235,131 (14.5% below list)

Questions for the listing agent

  1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.86%
Cap rate
6.98%
Cash-on-cash
2.45%
DSCR
1.11
GRM
9.7

CMA / ARV

ARV (on-the-fly)
$343,876
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
212 SW 22nd Pl 0.18mi 3/2.0 1,419 (-9%) 24mo $305,000 $215 57
24 SW 21st Ave 0.30mi 3/2.0 1,714 (+10%) 15mo $500,000 $292 56
1900 SW 2nd Ter 0.55mi 3/2.0 1,400 (-10%) 2mo $420,000 $300 56
22 El Dorado Blvd N 0.30mi 3/2.0 1,389 (-11%) 15mo $295,999 $213 56
2243 SW 4th St 0.29mi 3/2.0 1,671 (+7%) 22mo $374,000 $224 56
224 NW 23rd Ave 0.50mi 4/3.0 (+1) 1,683 (+8%) 8mo $165,000 $98 47
1804 SW Embers Ln 0.62mi 4/2.0 (+1) 1,650 (+6%) 13mo $340,990 $207 45
236 NW 22nd Ct 0.56mi 4/2.0 (+1) 1,426 (-8%) 13mo $314,990 $221 45
1712 SW 2nd Ter 0.73mi 4/2.0 (+1) 1,642 (+6%) 14mo $385,000 $234 40
2716 SW 2nd Ln 0.59mi 4/2.0 (+1) 1,712 (+10%) 13mo $293,900 $172 40
1811 SW 2nd St 0.59mi 3/2.0 1,684 (+8%) 24mo $330,000 $196 39
1716 SW 3rd St 0.72mi 3/2.0 1,777 (+14%) 21mo $392,000 $221 25

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
-17.3%
Equity multiple
0.41×
Total profit
$-45,714
Equity at exit
$41,003
10-year hold
IRR
-15.6%
Equity multiple
0.23×
Total profit
$-59,177
Equity at exit
$23,777

Cash invested: $77,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Florida
87 Strongly Landlord-Friendly · R+3
County
— inherits STATE
City
— inherits STATE
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

ZIP-level market 33991

Home prices YoY
-27.8%
Rents YoY
-8.6%
Active inventory
691
Price-to-rent
9.7×

Monthly cashflow live

Estimated rent
$2,351 high interval (Pro) →
Mortgage (P&I)
$1,442
Tax from tax record
$144 /mo · $1,722/yr
Insurance
$115
Flood insurance flood zone
−$66 /mo · $798/yr
HOA
$0
Vacancy / Maint / Mgmt
$494
Net cashflow
$91

Break-even live

Break-even rent $2,236
Max offer price $275,000
Occupancy floor 91%

Sensitivity live

Price -10% $247 -5% $169 +0% $91 +5% $13 +10% $-65
Rent -10% $-95 -5% $-2 +0% $91 +5% $184 +10% $277
Rate -1.0pp $229 -0.5pp $161 base $91 +0.5pp $20 +1.0pp $-53

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$68,750
Closing costs
$8,250
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
17 El Dorado Blvd N Cape Coral, FL 3.0 2.0 1779 $2,200 $1.24 25d 1 0.24mi
2447 SW Embers Ter Cape Coral, FL 3.0 3.0 1870 $2,100 $1.12 18d 1 0.25mi
223 SW 22nd Ct Cape Coral, FL 3.0 3.0 1910 $3,500 $1.83 25d 1 0.26mi
221 SW 25th Ave Cape Coral, FL 4.0 2.5 1871 $2,600 $1.39 4d 1 0.29mi
212 SW 25th Ave Cape Coral, FL 4.0 2.0 1828 $1,850 $1.01 25d 1 0.29mi
2507 Embers Pkwy W Cape Coral, FL 3.0 2.0 1777 $2,450 $1.38 25d 1 0.31mi
2251 SW 4th St Cape Coral, FL 3.0 2.0 1806 $1,595 $0.88 12d 1 0.31mi
326 SW 24th Pl Cape Coral, FL 3.0 2.0 1747 $1,795 $1.03 25d 1 0.45mi
128 NW 25th Pl Cape Coral, FL 3.0 2.0 1409 $2,850 $2.02 25d 1 0.49mi
233 NW 22nd Pl Cape Coral, FL 4.0 3.0 1665 $2,200 $1.32 25d 1 0.55mi
2637 NW 1st St Cape Coral, FL 3.0 2.0 1968 $2,475 $1.26 25d 1 0.56mi
1900 NW Embers Ter Cape Coral, FL 4.0 3.0 2009 $2,900 $1.44 25d 1 0.56mi
2725 SW Embers Ter Cape Coral, FL 3.0 2.0 1970 $2,100 $1.07 5d 1 0.58mi
2716 NW Embers Ter Cape Coral, FL 4.0 3.0 1765 $3,000 $1.70 25d 1 0.60mi
1827 Embers Pkwy W Cape Coral, FL 4.0 3.0 1807 $2,500 $1.38 16d 1 0.60mi
1827 Embers Pkwy W Cape Coral, FL 4.0 3.0 1807 $2,300 $1.27 5d 1 0.60mi
231 NW 26th Ave Cape Coral, FL 3.0 2.0 1479 $2,300 $1.56 25d 1 0.61mi
313 El Dorado Blvd N Cape Coral, FL 3.0 2.0 1500 $2,300 $1.53 25d 1 0.62mi
2045 NW 3rd St Cape Coral, FL 3.0 2.0 1656 $2,095 $1.27 12d 1 0.65mi
2023 NW 3rd Ter Cape Coral, FL 3.0 2.0 1408 $2,150 $1.53 25d 1 0.74mi
2835 NW Embers Ter Cape Coral, FL 3.0 2.0 1667 $2,250 $1.35 16d 1 0.77mi
2032 NW 5th St Cape Coral, FL 3.0 2.0 1946 $2,200 $1.13 25d 1 0.85mi
512 NW 25th Ave Cape Coral, FL 3.0 2.0 1702 $2,100 $1.23 13d 1 0.89mi
2837 NW 3rd St Cape Coral, FL 3.0 3.0 1700 $3,500 $2.06 25d 1 0.94mi
2837 NW 3rd St Cape Coral, FL 3.0 3.0 1700 $3,500 $2.06 23d 1 0.94mi
222 NW 28th Ct Cape Coral, FL 3.0 2.0 1116 $1,526 $1.37 12d 1 0.97mi
2710 NW 5th Ter Cape Coral, FL 4.0 2.0 1830 $1,925 $1.05 18d 1 0.98mi
305 NW 16th Pl Cape Coral, FL 3.0 2.5 1446 $2,095 $1.45 5d 1 1.02mi
416 NW 17th Ave Cape Coral, FL 3.0 2.0 1199 $2,000 $1.67 5d 1 1.04mi
2043 NW 6th Ter Cape Coral, FL 4.0 2.0 1712 $2,999 $1.75 25d 1 1.06mi
606 SW 29th Ave Cape Coral, FL 3.0 1.0–2.0 995 $2,126 $2.14 4d 56 1.07mi
376 Penley Lake Cir Cape Coral, FL 1.0–3.0 1.0–2.0 1195 $2,874 $2.40 3d 87 1.09mi
3305 Grant Cove Cir Cape Coral, FL 1.0–3.0 1.0–2.0 1061 $2,133 $2.01 3d 20 1.11mi
532 NW 18th Ave Cape Coral, FL 3.0 2.0 1765 $2,000 $1.13 25d 1 1.11mi
1909 NW 6th Ter Cape Coral, FL 3.0 2.0 1828 $1,895 $1.04 5d 1 1.11mi
1909 NW 6th Ter Cape Coral, FL 4.0 2.0 1828 $1,895 $1.04 4d 1 1.11mi
2519 NW 7th St Cape Coral, FL 3.0 2.0 2017 $2,296 $1.14 5d 1 1.12mi
1400 SW 1st Ter Cape Coral, FL 3.0 2.0 1619 $1,995 $1.23 25d 1 1.20mi
1501 NW 4th St Cape Coral, FL 4.0 2.0 1809 $3,800 $2.10 5d 1 1.23mi
2453 NW 8th Ter Cape Coral, FL 3.0 2.0 1574 $2,200 $1.40 25d 1 1.30mi

Listing history 8 events

  1. 2026-06-22
    remarks 675-char remark
  2. 2026-06-22
    listing id $275,000 Pending 10 DOM
  3. 2026-05-17
    listed $275,000 Active 2002-char remark
    Show marketing remark (2088 chars)

    One or more photo(s) has been virtually staged. Welcome to your slice of paradise in beautiful Cape Coral! Situated on a TRIPLE LOT (. 34 acres), this well-maintained 3-bedroom, 2-bath home offers the perfect blend of privacy, space, and Florida lifestyle living — all without the high cost of waterfront ownership. Boating and fishing enthusiasts will love the location! Just 2.1 miles from a Gulf-access boat ramp near Matlacha, you’ll have quick access to some of Southwest Florida’s best fishing and waterfront dining. There’s also a freshwater boat launch just a street over, plus plenty of room on the property to park your boat, trailer, toys, or even add a pool in the future. Inside, the home is bright, inviting, and freshly updated with brand-new interior paint, newer flooring in the living room, hall way, and bedrooms, and stainless steel appliances. The spacious owner’s retreat features TWO walk-in closets and sliding glass doors leading directly to the covered and screened lanai — the perfect place to enjoy your morning coffee or relax in the evenings overlooking the private backyard lined with mature trees. The split floor plan offers excellent functionality, and the guest bathroom conveniently doubles as a future pool bath with direct exterior access. Additional highlights include an indoor laundry room with sink, a 2-car garage, extra flooring being left for the new owner, updated landscaping with fresh plants and mulch, new ceiling fans with remotes being installed, and a generator hookup for added convenience and peace of mind during storm season. Major updates provide peace of mind: • Roof – 2018 • A/C – 2019 • New Well Equipment – 2023 • Brand-New Water Heater 2026. Conveniently located just minutes from Pine Island Road shopping, grocery stores, restaurants, gyms, and only 4.3 miles from the charm, dining, and entertainment of Matlacha. Don’t miss the Zillow 3D tour — this one truly has to be seen to appreciate the space, privacy, and lifestyle it offers!

  4. 2026-05-17
    listed $275,000 Active
    Show marketing remark (2088 chars)

    One or more photo(s) has been virtually staged. Welcome to your slice of paradise in beautiful Cape Coral! Situated on a TRIPLE LOT (. 34 acres), this well-maintained 3-bedroom, 2-bath home offers the perfect blend of privacy, space, and Florida lifestyle living — all without the high cost of waterfront ownership. Boating and fishing enthusiasts will love the location! Just 2.1 miles from a Gulf-access boat ramp near Matlacha, you’ll have quick access to some of Southwest Florida’s best fishing and waterfront dining. There’s also a freshwater boat launch just a street over, plus plenty of room on the property to park your boat, trailer, toys, or even add a pool in the future. Inside, the home is bright, inviting, and freshly updated with brand-new interior paint, newer flooring in the living room, hall way, and bedrooms, and stainless steel appliances. The spacious owner’s retreat features TWO walk-in closets and sliding glass doors leading directly to the covered and screened lanai — the perfect place to enjoy your morning coffee or relax in the evenings overlooking the private backyard lined with mature trees. The split floor plan offers excellent functionality, and the guest bathroom conveniently doubles as a future pool bath with direct exterior access. Additional highlights include an indoor laundry room with sink, a 2-car garage, extra flooring being left for the new owner, updated landscaping with fresh plants and mulch, new ceiling fans with remotes being installed, and a generator hookup for added convenience and peace of mind during storm season. Major updates provide peace of mind: • Roof – 2018 • A/C – 2019 • New Well Equipment – 2023 • Brand-New Water Heater 2026. Conveniently located just minutes from Pine Island Road shopping, grocery stores, restaurants, gyms, and only 4.3 miles from the charm, dining, and entertainment of Matlacha. Don’t miss the Zillow 3D tour — this one truly has to be seen to appreciate the space, privacy, and lifestyle it offers!

  5. 2026-05-17
    listed $275,000 Active 2088-char remark
    Show marketing remark (2088 chars)

    One or more photo(s) has been virtually staged. Welcome to your slice of paradise in beautiful Cape Coral! Situated on a TRIPLE LOT (. 34 acres), this well-maintained 3-bedroom, 2-bath home offers the perfect blend of privacy, space, and Florida lifestyle living — all without the high cost of waterfront ownership. Boating and fishing enthusiasts will love the location! Just 2.1 miles from a Gulf-access boat ramp near Matlacha, you’ll have quick access to some of Southwest Florida’s best fishing and waterfront dining. There’s also a freshwater boat launch just a street over, plus plenty of room on the property to park your boat, trailer, toys, or even add a pool in the future. Inside, the home is bright, inviting, and freshly updated with brand-new interior paint, newer flooring in the living room, hall way, and bedrooms, and stainless steel appliances. The spacious owner’s retreat features TWO walk-in closets and sliding glass doors leading directly to the covered and screened lanai — the perfect place to enjoy your morning coffee or relax in the evenings overlooking the private backyard lined with mature trees. The split floor plan offers excellent functionality, and the guest bathroom conveniently doubles as a future pool bath with direct exterior access. Additional highlights include an indoor laundry room with sink, a 2-car garage, extra flooring being left for the new owner, updated landscaping with fresh plants and mulch, new ceiling fans with remotes being installed, and a generator hookup for added convenience and peace of mind during storm season. Major updates provide peace of mind: • Roof – 2018 • A/C – 2019 • New Well Equipment – 2023 • Brand-New Water Heater 2026. Conveniently located just minutes from Pine Island Road shopping, grocery stores, restaurants, gyms, and only 4.3 miles from the charm, dining, and entertainment of Matlacha. Don’t miss the Zillow 3D tour — this one truly has to be seen to appreciate the space, privacy, and lifestyle it offers!

  6. 2001-03-22
    soldstatus $613,200
  7. 1999-07-02
    soldstatus $4,685,000
  8. 1987-07-01
    soldstatus $20,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

Current annual tax
$1,722 · $144/mo
Projected year-2 tax
$2,282 · $190/mo
Expected delta
+$560/yr (+$47/mo · 32.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 7/10 Severe FEMA zone X (shaded) · 75% chance over 30 yrs
  • 🔥 Wildfire 2/10 Low
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 d/yr by 30 yrs out
  • 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$28,216
− Mortgage interest
−$15,404
− Property taxes
−$1,722
− Insurance
−$2,172
− Repairs & maintenance
−$2,257
− Management
−$2,257
− Depreciation
−$8,000
Taxable loss
−$3,598
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$863
After-tax cash flow
$1,954/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Lee
NCES district ID
1201080
Math proficiency
47% ▼ -11.00%
Reading proficiency
50% ▼ -4.00%
Median HH income
$49,518
Composite
41.49/100
National rank
#3458
State rank
#42 of 73 in FL

Livability — Cape Coral

Score
77/100
State rank
#208
US rank
#3098

Category grades

Amenities B+ Commute F Cost of living B Crime B- Employment C+ Housing A+ Health & safety A+ User ratings C+

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Cape Coral, FL
County
Lee County · 788,662 people
City population
217,388
Metro
Cape Coral-Fort Myers, FL
Population (ZIP)
27,725
Household income
$84,470
Rent vs Own
21.3% rent · 78.7% own
Severe rent burden
760.0

Population outlook (Lee County) Hauer SSP2

Today (2025)
871,946 people
By 2030
955,468 · +9.6%
By 2040
1,113,587 · +27.7%
By 2050
1,256,891 · +44.1%
By 2075
1,560,270 · +78.9%
By 2100
1,726,848 · +98.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (71%)
Race & ethnicity
White 71% Hispanic / Latino 20% Two or more races 14% Black 3% Asian 1%
Hispanic origin (detail)
Mexican 1% Puerto Rican 6% Cuban 6%
Common ancestry
Romanian 5% Lithuanian 3% Italian 3%
Foreign-born
13% · Canada, Jamaica
Languages at home
81% English-only · Spanish 15% Russian/Polish/Slavic 1% Tagalog/Filipino 1%

Political lean MEDSL · Lee

2024 margin
Strong R (+28.4) · D 35.5% · R 63.9%
2008→2024 swing
-18.0pp toward R · 2008: -10.4pp · 2024: -28.4pp
All cycles
2024: R+28.4 2020: R+19.2 2016: R+20.4 2012: R+16.6 2008: R+10.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -108.25%
Current HPI
281.0735
Rent YoY
▼ -8.55%
Metro
Cape Coral-Fort Myers, FL
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

+1275.0% since first listed
6 events — show timeline
  • 2026-05-17 Listed $275,000 Stellar MLS as Distributed by MLS Grid
  • 2026-05-17 Listed $275,000 MARMLS
  • 2026-05-17 Listed $275,000 FORTMLS
  • 2001-03-22 Sold (Public Records) $613,200 Public Records
  • 1999-07-02 Sold (Public Records) $4,685,000 Public Records
  • 1987-07-01 Sold (Public Records) $20,000 Public Records

Property tax history

+5.0%/yr

Latest (2025): $1,722 · +11.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…