1813 SE 21st Terrace, Cape Coral, FL 33990 - Katie Guerra, LuxRe Naples

$849,900

Breathtaking Custom Gulf Access Pool Home – Flood Insurance Only $700/Year! (GRANDFATHERED IN & TRANSFERABLE) This is not your average waterfront property—it’s a rare opportunity to own a custom-built Gulf access home that blends style, sophistication, and peace of mind. Ideally located just 10 minutes to open water, this… Read More home sits in the heart of it all—close to shopping, Eco Park, Veterans Bridge, and minutes from the scenic Caloosahatchee River. And unlike most waterfront homes, this property comes with a grandfathered flood insurance policy of just $700 per year, transferable to the new owner! Designed with a split floor plan, the home offers 3 spacious bedrooms plus a den, 2.5 baths, and an oversized 3-car garage. One of the guest bedrooms even has direct pool access and doubles as a pool bath, creating the perfect setup for visitors. The luxurious primary suite offers two walk-in closets, a spa-worthy walk-through shower with 4 shower heads, and an oversized jetted tub for the ultimate retreat. The chef’s kitchen is a showstopper—equipped with a gas cooktop and oven, soft-close dovetail cabinetry, endless storage, gleaming granite counters, and a striking Mother of Pearl backsplash that sets the tone for entertaining or everyday meals. Granite surfaces continue throughout the home, including in the indoor laundry room with a convenient wash sink, tying the design together beautifully. Throughout the home, details impress—crown molding, 8-foot solid core doors, soaring 14-foot coffered ceilings with LED lighting, and impact windows and doors. Expansive 8-foot pocketing sliders seamlessly blend indoor and outdoor living, enhanced by electric remote-control shades for privacy and comfort. Step onto the lanai and experience a true paradise: an expansive layout with both a covered lounge area and a massive open space—the possibilities here are endless. A spectacular infinity pool wrapped in glass tile, with waterfalls, four fountains, and an oversized 8-person Jacuzzi, becomes the centerpiece. With the Pentair Wi-Fi system, you can control every detail of the pool and spa from your phone. Outdoors, this property was designed for the waterfront lifestyle. A seawall and captain’s dock are already in place, and with a blank slate ready for your future custom dock and lift, you can design it exactly the way you want. Launch kayaks, fish right from your backyard, or relax with a cocktail as the sun sets. This home is packed with thoughtful extras, including a whole-home reverse osmosis water system, a 500-gallon buried propane tank that powers the whole-house generator, gas stove, water heater, and even the poolside grill. Whether you’re entertaining or enjoying quiet evenings, you’ll be treated to unforgettable sunrises and sunsets from your lanai or dock. This property is truly one-of-a-kind—a stunning Gulf access retreat where luxury, lifestyle, and affordability meet. Don’t miss your chance to make it yours! Read Less

Courtesy of Mandy Elliott, Keller Williams Realty Fort Myers and the Islands.

Listing Snapshot

Days Online

Last Updated

Sep 21, 2025

Property Type

SingleFamilyResidence

Beds

Full Baths

Partial Baths

Square Ft.

2,222

Lot Size

0.23 Acres

Year Built

2018

MLS Number

2025007400

30 Days Snapshot Of 33990

$173k

+26%

(avg) sold price

-33%

homes sold

-72%

(avg) days on market

Snapshot

Area Map

Additional Details

Property Access

Road responsibility: PublicMaintainedRoad, Road surface type: Paved

Appliances & Equipment

Dryer, Dishwasher, GasCooktop, Disposal, Microwave, Range, Refrigerator, Washer, Generator, ReverseOsmosisSystem

Building

Built in 2018, Architectural style: Ranch, OneStory, Construction materials: Block, Concrete, Stucco, 1, 1 total story, Toal building area: 3029

Community

BoatFacilities, NonGated

Cooling

CentralAir, Electric

Exterior Features

SecurityHighImpactDoors, SprinklerIrrigation, Patio, WaterFeature

Floors

Tile

Garage

3 garage spaces

Water Features

CanalAccess, IntersectingCanal

Heating

Central, Electric

Home Owner's Association

Association amenities: BikeStorage

Interior Features

Furnished: Unfurnished, BedroomOnMainLevel, Bathtub, TrayCeilings, ClosetCabinetry, CofferedCeilings, SeparateFormalDiningRoom, DualSinks, EatInKitchen, JettedTub, MultipleShowerHeads, MainLevelPrimary, Pantry, SeparateShower, VaultedCeilings, WalkInClosets, HomeOffice, SplitBedrooms

Laundry

Inside

Lot

0.23 acres, RectangularLot, SprinklersAutomatic

Parking

3 covered spaces, Attached, Driveway, Garage, Paved, TwoSpaces, GarageDoorOpener

Pets Policy

Yes

Pool

ElectricHeat, Heated, InGround, ScreenEnclosure, PoolSpaCombo

Property

Patio and porch features: Lanai, Patio, Porch, Screened, Canal

Roof

Shingle

Security Features

SecuritySystemOwned, SecuritySystem, SmokeDetectors

Sewer

PublicSewer

Spa

ElectricHeat, InGround, Screened

Taxes

Year: 2024

Utilities

CableAvailable

Windows

Sliding, ImpactGlass

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