Cape Coral Homes under $400,000

Cape Coral Homes under $400,000

Welcome to Cape Coral, Florida – a sun-soaked paradise nestled in Lee County that’s perfect for both relaxation and adventure! Known for its stunning waterfront views and a network of over 400 miles of navigable waterways, Cape Coral offers a unique blend of natural beauty and urban convenience. With its warm climate, abundant outdoor activities, and vibrant community spirit, it’s no wonder that Cape Coral has become a sought-after destination for homebuyers.

For those looking for affordable housing options, Cape Coral has an impressive selection of homes available for under $400,000. Whether you’re a first-time buyer, a growing family, or seeking a winter retreat, you’ll find a variety of charming properties that meet your needs. From cozy single-family homes to spacious townhouses, the real estate market here offers something for everyone. Many of these homes feature modern amenities, beautiful landscaping, and proximity to local parks, schools, and shopping centers.

Imagine waking up to the gentle sound of water lapping against your dock or enjoying a sunset from your screened-in lanai. With homes priced under $400,000, you can turn that dream into reality without breaking the bank. The friendly neighborhoods are perfect for those looking to settle down or invest in a rental property, with a community that embraces the Florida lifestyle.

Discover the charm of Cape Coral, where affordability meets coastal living. Your dream home awaits in this vibrant city filled with sunshine, warmth, and endless possibilities!

Newest Cape Coral Homes under $400,000

2430 NW 9th Terrace, Cape Coral
$385,000
4 Beds ⋅ 2 Baths ⋅ Cape Coral SubDv.
Welcome to 2430 NW 9th Terrace, a 2023-built, 4-bedroom, 2-bath pool home offering 1,828 square feet and the popular Cali floor plan. The open-concept interior features tile flooring throughout, a spacious kitchen with white cabinetry, quartz countertops, stainless steel appliances, and smart-home technology. The outdoor space is a standout, featuring a heated pool and spa, beautiful travertine pavers, and a fully fenced backyard - perfect for entertaining or simply enjoying the Florida lifestyle. Additional features include a two-car garage, paver driveway, and irrigation system. Conveniently located in Northwest Cape Coral near shopping, dining, parks, and boat ramps. Move-in ready with modern finishes and an outdoor space that truly sets this home apart.

2430 NW 9th Terrace, Cape Coral
3225 NW 21st Street, Cape Coral
$340,000
4 Beds ⋅ 2 Baths ⋅ Cape Coral SubDv.
Why start from scratch when you can move into a newer home with upgrades already in place? Built in 2022, this well-maintained Northwest Cape Coral home offers 1,808 square feet of living space, 4 bedrooms plus a den, 2 bathrooms and an open floor plan with room to work, relax, and entertain. Nine-foot ceilings create an airy feel, while tray ceilings in the living room and primary bedroom add architectural detail. Wood-look plank tile flows throughout the home.The spacious kitchen features white shaker-style cabinets, granite countertops, Samsung smart appliances, a pantry, and a large island with plenty of room for meal prep, casual dining, and entertaining. Step outside to the spacious screened lanai with paver flooring an inviting spot for morning coffee, weekend barbecues, and evenings with friends. The outdoor barbecue setup, complete with a mini refrigerator and sink, is included in the sale. A fenced yard, paver patio, and mango and avocado trees enhance the outdoor space, while a paver driveway adds curb appeal. Practical upgrades include a new A/C, a whole-home reverse osmosis system with a 500-gallon storage tank, whole-home surge protection, and a new generator with a 50-amp hookup for backup power. The garage features an epoxy floor and storage racks to help keep everything organized. The home is located near Coral Oaks Golf Course, with convenient access to shopping and dining along Pine Island Road and the site of the planned Seven Islands development. With thoughtful upgrades inside and out, this home is ready for its next chapter. Schedule your private showing today!

3225 NW 21st Street, Cape Coral
1403 SE 27th Street, Cape Coral
$272,000
2 Beds ⋅ 2 Baths ⋅ Cape Coral SubDv.
Discover this clean, move-in ready charming house in Cape Coral—ideal for first-time home buyers, downsizers, or anyone searching for in South Cape Coral. Located in a quiet yet convenient neighborhood, this well-maintained property offers excellent value among Cape Coral houses for sale under budget-friendly prices. Enjoy newer paint, stainless appliances, and a newer A/C in this non-smoker home. The flexible den provides extra living space for an office, guest room, or hobby area. Relax on the large screened lanai or enjoy the spacious backyard—perfect for outdoor Florida living. A 2-car garage rounds out this practical, low-maintenance home. Whether you’re looking for affordable Cape Coral real estate, starter homes in Cape Coral, or a peaceful place to call home near shopping, dining, and parks, this South Cape Coral gem delivers wholesome comfort and smart value. Schedule your showing today!

1403 SE 27th Street, Cape Coral
1732 NW 15th Terrace, Cape Coral
$379,000
4 Beds ⋅ 2 Baths ⋅ Cape Coral SubDv.
Room to live, grow, work, and unwind! Offering 2,330 square feet of living space, 4 bedrooms plus a den, and 2 full baths, this spacious NW Cape Coral home gives you room to spread out. Conveniently located near Chiquita Blvd and Diplomat Pkwy, it features generously sized rooms and a split-bedroom layout for added privacy. The kitchen offers ample counter space, a pantry, and plenty of room for a kitchen table overlooking the backyard. The versatile den can serve as a home office, playroom, or formal dining room. A central great room separates the guest bedrooms from the spacious primary suite, complete with a large walk-in closet and an ensuite bath featuring dual sinks, a soaking tub, and a separate walk-in shower. Outside, enjoy a fenced backyard with space to relax, entertain, and play. Updates include a roof installed in 2022 after Hurricane Ian, 2024 well pump and a 299-foot-deep well, and 2021 air conditioning. This home is not in a flood zone and is located within the North 7 utility expansion area, where the timing of future city water and sewer assessments has yet to be determined. For added peace of mind, the seller is offering a one-year Cinch Home Warranty.

1732 NW 15th Terrace, Cape Coral
2009 NE 13th Place, Cape Coral
$230,000
4 Beds ⋅ 2 Baths ⋅ Cape Coral SubDv.
SHORT SALE OPPORTUNITY! All terms subject to lender approval. Located in beautiful Cape Coral, this 4-bedroom, 2-bathroom home offers 1,757 sqft of living space and incredible potential for the right buyer. Built in 2005 and featuring renovations completed in 2022, this property already has a strong foundation with updated elements while still leaving room to make it your own. The home features a functional layout with spacious living areas, a split-bedroom floor plan, and plenty of natural light throughout. This is a short sale opportunity, making it ideal for buyers looking to secure a great value in a desirable and growing area. The property does require some TLC, making it perfect for investors, renovators, or buyers ready to add their personal touch and build equity. Conveniently located near shopping, dining, and all that Cape Coral has to offer, this home presents a unique chance to invest in one of Southwest Florida’s most sought-after markets.; Some items have been digitally removed from photos.

2009 NE 13th Place, Cape Coral
3106 SE 8th Place, Cape Coral
$390,000
3 Beds ⋅ 2 Baths ⋅ Cape Coral SubDv.
TURNKEY SE CAPE CORAL POOL HOME with the privacy, comfort, and easy Florida lifestyle buyers hope to find. This 3-BEDROOM, 2-BATH single-family home offers 1,511 SQ. FT. of living area, a 2-CAR ATTACHED GARAGE, NO HOA FEES, and a .24-ACRE LOT in a convenient non-gated Cape Coral neighborhood. Just off the Country Club Boulevard area, the home is well positioned for quick access to the MIDPOINT BRIDGE, VETERANS PARKWAY, CAPE CORAL PARKWAY, Fort Myers, shopping, dining, and everyday conveniences. Inside, the home feels bright, welcoming, and ready to enjoy from day one. TILE FLOORING THROUGHOUT, VOLUME CEILINGS, and a SPLIT-BEDROOM FLOOR PLAN create a comfortable layout with separation between the primary suite and guest bedrooms. The kitchen has a clean, updated look with gray cabinetry, stainless-style appliances, a BREAKFAST BAR, and an easy connection to the dining and living areas, so everyday moments feel connected and relaxed. Multiple sliders draw your eye outside, where the backyard becomes the heart of the home. The SCREENED LANAI, BELOW-GROUND POOL, mature landscaping, and WEST REAR EXPOSURE create a private setting for quiet mornings, slow afternoons, and evenings by the pool. A STORAGE SHED adds practical space for pool items, tools, or hobbies, while the GENERATOR adds peace of mind. Additional features include CONCRETE BLOCK CONSTRUCTION, stucco exterior, shingle roof, CENTRAL WATER AND SEWER, central irrigation, STORM SHUTTERS, internet availability, in-residence laundry, and auto garage door opener. For buyers searching for a TURNKEY SE CAPE CORAL POOL HOME with PRIVACY, a GENERATOR, NO HOA FEES, and easy access between Cape Coral and Fort Myers, this home delivers the kind of everyday Southwest Florida living that feels simple, comfortable, and ready to enjoy.

3106 SE 8th Place, Cape Coral
909 SE 46th Lane Unit 209, Cape Coral
$145,000
2 Beds ⋅ 1 Baths ⋅ Cape Palms Condo SubDv.
GULF ACCESS WATERFRONT CONDO—COMPLETELY TURNKEY! Enjoy the Southwest Florida lifestyle from this second-floor 2-bedroom, 1-bath condo offering nearly 1,000 square feet and beautiful elevated water views. Everything inside the unit stays, making this an easy opportunity for a seasonal getaway, full-time residence, or ready-to-enjoy Florida retreat. Step inside to a bright, naturally lit interior where the waterfront setting can be enjoyed right from the living room. A two-door slider opens to the tiled, screened lanai—the perfect spot to relax and take in the canal views. The kitchen features granite countertops, stainless steel appliances, a pantry, and a window that brings in additional natural light. The waterfront bedroom also enjoys a great view and features a HUGE walk-in closet. Boaters will appreciate the Gulf access location, with dock tie-up available on a first-come, first-served basis. Even better, the seller is including the floating dock currently out back, and the BOAT MAY ALSO BE AVAILABLE WITH AN ACCEPTABLE OFFER! When you're not on the water, enjoy the southern-exposure community pool, electrically heated and surrounded by a spacious brick-paver deck perfect for soaking up the Florida sunshine. Additional amenities include a community room with pool and poker tables, exercise equipment, and an inexpensive community laundry facility. TURNKEY, WATERFRONT, GULF ACCESS, AND READY TO ENJOY—bring your suitcase and start living the Cape Coral boating lifestyle!

909 SE 46th Lane Unit 209, Cape Coral
4515 Country Club Boulevard Unit 205, Cape Coral
$275,000
2 Beds ⋅ 2 Baths ⋅ Country Club Place Condo SubDv.
Welcome to your Florida dream, right on the Rubicon Canal. This second-floor 2 bedroom, 2 bath condo at 4515 Country Club Drive is offered turnkey, (minus exclusions),so you can bring your suitcase and start living the Florida life right away. Start your mornings on the balcony with coffee and a sunrise over the water, then watch the boats go by on one of the widest canals in Cape Coral. The A/C is only a year old, the hot water heater is newer, both baths are updated, and hurricane shutters are already in place. The association recently replaced the roof and carries insurance and flood insurance, so you're covered where it counts. Bring your boat, because the shared dock comes with the HOA and is rarely crowded, with canal access to the Gulf. When you want a break from the water, the community pool is right there. It's a smaller floor plan, but the location is the real prize, in one of the older, more established parts of Cape Coral where the best spots tend to be. If you've been waiting for your chance to live the Florida dream, come see it. Centrally located in the middle of everything! Minutes from Fort Myers and downtown Cape Coral.

4515 Country Club Boulevard Unit 205, Cape Coral
317 Ne 9th Terrace, Cape Coral
$386,999
3 Beds ⋅ 2 Baths ⋅ Cape Coral SubDv.
BRAND NEW CITY WATER AND SEWER ASSESSMENTS IN AND PAID (almost $40k spend after hookup)!! This value is passed on to the buyer! NO FLOOD INSURANCE REQUIRED!!! INCREDIBLE PRICE POINT FOR OVER 2,000 SQ.FT. ON A POOL HOME! Welcome to this beautifully maintained 3-bedroom + den, 2-bath pool home offering over 2,000 square feet of living space, where major upgrades, everyday functionality, and Florida outdoor living come together in one exceptional package. Fantastic location with just minutes access to everything the Pine Island Rd. Corridor has to offer which includes tons of entertainment, shopping and dining with new spots being developed on the strip everyday! From the moment you arrive, you'll appreciate the peace of mind that comes with a new roof (2023) and one of the home's most valuable features—full connection to Cape Coral's city water and sewer utility system with the entire assessment PAID IN FULL. That's tens of thousands of dollars in value already taken care of, with no future utility assessment payments for the new owner. Step inside to discover a versatile floor plan designed to adapt to your lifestyle. The welcoming front of the home features two flexible living spaces that can easily serve as a home office, formal dining room, sitting room, playroom, hobby space, or additional family room. The heart of the home opens into a spacious great room where the kitchen overlooks the main living area and provides beautiful views of the pool, creating the ideal setting for both everyday living and entertaining. The owner's suite offers a private retreat, while the split-bedroom design provides comfort and privacy for family or guests. Large main suite also includes spacious bath and abundant walk in closet space. A generously sized indoor laundry and utility room includes natural light from a window, built-in storage shelving, and the washer and dryer convey with the home. Step outside and experience your own private backyard oasis. The heated swimming pool is surrounded by a screen-enclosed brick paver lanai installed less than 10 years ago, offering an attractive and low-maintenance outdoor living space. A spacious under-truss covered lanai provides the perfect place to relax in the shade or entertain year-round. The backyard is enclosed by 6-foot PVC privacy fencing and finished with decorative shell and rock landscaping, significantly reducing lawn maintenance while creating a clean, tropical atmosphere. Finding a home that combines city water and sewer already connected with assessments paid in full, no required flood insurance, a newer roof, heated pool, flexible floor plan, and an exceptional outdoor living space is becoming increasingly rare in Cape Coral. This is an outstanding opportunity to enjoy the Florida lifestyle while minimizing some of the largest ownership expenses many buyers face. Schedule your private showing today and experience everything this exceptional home has to offer.

317 Ne 9th Terrace, Cape Coral
2219 NW 26th Street, Cape Coral
$339,900
4 Beds ⋅ 3 Baths ⋅ Cape Coral SubDv.
$18,000 CLOSING COST INCENTIVE ON THIS HOME!! Discover the highly sought-after Sunset Harbor plan, a modern coastal design offering four bedrooms, three full baths, and dual primary suites—perfect for guests, extended family, or multigenerational living. The open-concept layout is designed for both everyday living and entertaining, with a chef-inspired kitchen featuring quartz countertops, stainless steel appliances, all-wood shaker cabinetry, a large island, and pantry. The spacious great room and dining area connect seamlessly, creating a bright and inviting main living space. Upgraded plank-style flooring runs throughout the entire home, adding a stylish, cohesive look while making everyday living and maintenance a breeze. Situated on a spacious lot, this home offers plenty of room to create the outdoor space you've been dreaming of—whether that means a future pool, an outdoor entertaining area, or your own private retreat. With modern finishes, thoughtful design, and quality construction, The Sunset Harbor delivers the space and features today's buyers are looking for. NO FLOOD ZONE + IMPACT WINDOWS = LOW INSURANCE. Modern design, quality construction and unbeatable value. One or more photo(s) was virtually staged. This is the Sunset Harbor plan

2219 NW 26th Street, Cape Coral
2026 Nw 21st Street, Cape Coral
$385,000
3 Beds ⋅ 2 Baths ⋅ Cape Coral SubDv.
Discover modern waterfront living in this beautifully crafted new construction home featuring 3 bedrooms plus a den, 2 bathrooms, a 2-car garage, and 1,691 square feet of thoughtfully designed living space. Located on a freshwater canal with a seawall already in place, this residence offers the perfect combination of contemporary design and everyday functionality. The striking exterior showcases crisp white stucco, a dark shingle roof, modern landscaping, and an impressive oversized glass front entry that creates exceptional curb appeal. Inside, the open-concept layout is filled with natural light and enhanced by elegant tile flooring, soaring ceilings, and a seamless flow between the living, dining, and kitchen areas. The designer kitchen is the heart of the home, featuring white custom cabinetry, quartz countertops, a spacious center island with a contrasting dark wood base, modern fixtures, and ample workspace for entertaining and everyday living. The private owner's suite offers a relaxing retreat with a spa-inspired bathroom complete with a frame less glass-enclosed shower, designer black fixtures, floor-to-ceiling tile, and refined contemporary finishes. Step outside to the covered lanai featuring an outdoor kitchen, ideal for entertaining while overlooking the peaceful canal. Additional highlights include impact-resistant windows and doors, quality craftsmanship throughout, and a desirable location close to shopping, dining, schools, parks, golf courses, and the best of Cape Coral. NO HOA FEES. Incentives subject to approval and availability.

2026 Nw 21st Street, Cape Coral
3588 Dandolo Circle, Cape Coral
$389,999
4 Beds ⋅ 3 Baths ⋅ Bella Vida SubDv.
Lakefront 4BR/3BA, 2,032 sq ft with open concept and 2-car garage in quiet, safe gated community. Full appliance package plus saltwater spa with 220 wiring and dedicated breaker. Recent upgrades include whole-house generator with 500-gal underground propane tank, water and air filtration systems, and LCEC surge protection. Improvements: Locking Hurricane Accordion shutters on all windows, extended screened lanai, expanded patio, gutters/downspouts, widened driveway, termite spikes and in-wall pest tubing and Irrigation system. Located in the desirable gated community of Bella Vida, this neighborhood offers a wide variety of amenities for an active, enjoyable lifestyle. Residents have access to tennis, basketball, pickleball, volleyball, baseball fields, a fitness center, billiards, playground, community clubhouse, and a resort-style pool. Daily activities and social groups create a welcoming atmosphere, and the secure gated entry adds peace of mind. Tree-lined sidewalks make it easy to walk, jog, or bike through the quiet, pet-friendly streets. Low HOA fees include high-speed internet, cable, and exterior yard care for truly low-maintenance living. Conveniently close to dining, shopping, hospitals, schools, marinas, and just minutes from downtown Fort Myers—with beaches only a short drive away. Enjoy the Florida lifestyle with sunshine, recreation, and comfort all around. Secure fob access.

3588 Dandolo Circle, Cape Coral
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