4126 NW 39TH STREET, CAPE CORAL, FL, 33993
Active0 days on marketListed Aug 11, 2026MLS #A4702518
About this home
4126 NW 39TH STREET
Virtually Staged. CUSTOM CAPE CORAL HOME | NO HOA | NO FLOOD INSURANCE REQUIRED PER LOMA | OVERSIZED 3-CAR GARAGE | ROOM FOR A POOL. Built as a personal forever home by owners with 30 years of construction experience, this exceptional residence was created with an emphasis on quality, durability and storm resistance. From the foundation to the finishes, the difference is in how this home was built. Construction features include a 5-inch slab, concrete-filled walls, metal studs, hurricane-rated windows and doors, elevated foundation, advanced roofing and drainage, and high-end HVAC. Inside, imported Italian porcelain tile, custom cabinetry, smart appliances, extensive electrical upgrades and TV pre-wiring reflect the same attention to detail. The thoughtfully designed single-level floor plan features no steps, wide doorways and walk-in showers, offering comfortable and accessible living without sacrificing style. BOATERS, CAR COLLECTORS AND TRUCK OWNERS, TAKE NOTE. The oversized 3-car garage with a 9-foot opening offers exceptional depth and height for large trucks, a trailered boat and car-lift possibilities. Designed with boating and automotive enthusiasts in mind, this is garage space that is difficult to find in a traditional residential home. The generous homesite provides room to design a custom pool, spa and outdoor living area, allowing the next owner to create a backyard retreat tailored to their own style. Pool proposals are available. With NO HOA, enjoy additional flexibility without the restrictions or recurring fees of an association. The property is elevated above the floodplain, and its LOMA certificate indicates no flood insurance is required. What truly distinguishes this home is what cannot always be captured in photographs. The owners built it for themselves, selecting materials and construction methods for long-term quality rather than builder-grade shortcuts. Extensive construction information, plans, warranties, flood-elevation documentation and material records are available, providing an unusual level of transparency into how the property was constructed. For buyers searching for a custom Cape Coral home with no HOA, no required flood insurance per LOMA, room for a pool, hurricane-rated features and exceptional garage space for boats, trucks or collector cars, this property offers a rare combination of craftsmanship, flexibility and Florida functionality. Built with intention. Built for Florida. Built to last.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,926
Sqft
0.23 ac
Lot size
3
Garage
2024
Year built
One
Levels
$316
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,215 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,215/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+26%
$/sqft vs CAPE CORAL
$316 vs $245
Days on market
0 vs 51 typical
Where $316/sqft sits among the 145 homes for sale in CAPE CORAL
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Cape Coral
Get to know Cape Coral. See the full Cape Coral guide →
CAPE CORAL 33993 — neighborhood snapshot
Population
33,045
Median age
43.7
Median income
$89,220
Median home value
$319,500
Avg household
2.96
Households w/ children
3,468
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cape Coral market
$375K → $405K
Cape Coral median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
58 of 145
CAPE CORAL have cut their price
Median sold price, Cape Coral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 584% above the CAPE CORAL 33993 median. See the full Cape Coral market guide →
Paper trail
This home's history
Reality check
What actually sold near 4126 NW 39TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$375,000
3007 ACADEMY BOULEVARD · same community
3 bd · 2 ba · 1,914 sqft · $196/sqft · 101 DOM
Sold · Dec ’25$560,000
210 SW 37TH TERRACE · same community
3 bd · 2 ba · 1,856 sqft · $302/sqft · 163 DOM
Sold · Dec ’25$305,000
2730 NW 6TH STREET · same community
4 bd · 2 ba · 1,830 sqft · $167/sqft · 14 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4126 NW 39TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4126 NW 39TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
4126 NW 39TH STREET FAQs
What would the monthly payment be for 4126 NW 39TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,215/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4126 NW 39TH STREET?+
The most recent tax bill on record (2025) was $6,484. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Cape Coral?+
At $609,000, this home is listed about 38% above the Cape Coral median of $442,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4126 NW 39TH STREET?+
Mariner Middle School (middle), Mariner High School (high), Trafalgar Elementary School (elementary), Challenger Middle School (middle), Hector A. Cafferata Junior Elementary School (elementary), Patriot Elementary School (elementary), Skyline Elementary School (elementary), Ida S. Baker High School (high), Cape Coral High School (high), North Fort Myers High School (high), Island Coast High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$609,000 runs 584% above the CAPE CORAL 33993 median.
02Fresh on the market
Listed today in a Cape Coral market that averages 51 — if it fits, move quickly.
03Strong assigned schools
Mariner Middle School, Mariner High School, Trafalgar Elementary School, Challenger Middle School, Hector A. Cafferata Junior Elementary School, Patriot Elementary School, Skyline Elementary School, Ida S. Baker High School, Cape Coral High School, North Fort Myers High School, Island Coast High School — Challenger Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Jodi Kaplan, PA. MLS #A4702518.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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