4604 SE 20th Pl, Cape Coral, FL 33904
4604 SE 20th PL in Orchid Run, Cape Coral is listed at $450,000 (1,991 sq ft, about $226 per sq ft). It came to market within the past week. Listing facts: built in 1988. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 1988 · 38 yrs
- 1,991 sq ft of living area
- New to market
About this home
RARE OPPORTUNITY! OVERSIZED TRIPLE LOT, PRIVATE POOL & SPA, WHOLE-HOUSE GENERATOR, AND EXTENSIVE UPGRADES! Discover an exceptional combination of space, privacy, and comfort in this beautifully maintained Cape Coral pool home, situated on an oversized, fully fenced corner triple lot spanning 15,570 sq ft, just moments from the Caloosahatchee River.
DESIGNED FOR FLORIDA LIVING! Enjoy your private tropical retreat featuring a custom pool and spa, expansive pool deck, and covered lanai perfect for entertaining or relaxing. Three outdoor ceiling fans, updated lighting, and lush landscaping—including nine recently added royal and queen palms—enhance the setting and privacy.
EXCEPTIONAL STORM PROTECTION! A 22kW whole-house generator with automatic transfer switch and buried 500-gallon propane tank provides valuable backup power. Additional features include hurricane-rated Low-E windows on the north and south sides, accordion shutters on remaining windows and front entry, reinforced garage door, and metal roof.
Inside, the spacious interior features luxury vinyl plank flooring, fresh paint, new baseboards, LED lighting, updated outlets and switches, and ceiling fans. The kitchen offers custom soft-close cabinetry, attractive countertops, gas cooktop, and double ovens. Antique crystal chandeliers add character to the breakfast nook and formal dining room.
A PRIMARY SUITE WITH EXTRA SPACE! The generous primary bedroom features two walk-in closets with built-in organizers and an attached, air-conditioned sunroom—ideal for a home office, art studio, or reading retreat. Both guest bedrooms offer updated flooring, trim, and walk-in closets with organizers.
EXTENSIVE IMPROVEMENTS! Additional updates include upgraded interior plumbing and main water lines, 2024 water heater, serviced A/C with upgraded blower fan, enhanced attic insulation, Vivint security, and six-zone automatic irrigation. The two-car garage features a non-slip epoxy floor, updated door components, fresh paint, and storage cabinets.
The laundry room includes updated cabinetry and a stainless steel utility sink. ADDED BUYER BONUS! A one-year American Home Shield Essential home warranty is included at no additional cost, offering coverage for eligible home systems, subject to plan terms and conditions.
With its oversized triple lot, tropical outdoor living, extensive improvements, backup power, and storm protection, this property offers an exceptional Southwest Florida lifestyle. Schedule your private showing today! VIRTUAL STAGING DISCLOSURE: Some listing photos have been virtually staged.
Digitally added furniture and decorative items are not included in the sale.
All 44 photos
Description provided by North and Vrillaud Realty Group and reproduced from the MLS; not independently verified.
The Messtimate
Estimate unavailable for this home right now. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when we can match at least 3 comparable closed sales from the last 18 months to this home. We could not assemble that set for this page today, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 1,991 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 11, 2026.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for ORCHID RUN. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,439/mo 76%
- Taxes $533/mo 17%
- Insurance $238/mo 7%
$3,210/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Florida Gulf Coast MLS; millage: Lee County Property Appraiser 2025 Taxing District Millage Book; Lee County Schools 2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 4604 Se 20Th Pl
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $1,225/yr (certified county roll, taxable value × millage). Buy at the asking price of $450,000 and the first-year bill resets to about $6,400/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.97 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Lee County is $2,197/yr (6,508 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,000/yr; neither is a quote. |
| Roof and age | Built in 1988. An original roof would be about 38 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Lee County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Lee County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 1988BuiltPer public record
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
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Listed by North and Vrillaud Realty Group · MLS # 2026043554
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Similar homes for sale near ORCHID RUN
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in ORCHID RUN
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- 3310 Pinetree Dr · $899,000 · 4 bd / 3 ba · listed November 9, 2026 (courtesy of John R. Wood Properties)
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Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on Lee County
Explore Lee County
Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Lee County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
What homes sell for in 33904 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 4604 SE 20th PL, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Lee County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,991 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $6,400/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,175 more per year than the current owner’s estimated bill (+422%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | FGCMLS, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of FGCMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 4604 SE 20th PL and when was it built?
Per the listing record, 4604 SE 20th PL was built in 1988 and has 1,991 sq ft of living area, 3 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4604 SE 20th PL in?
4604 SE 20th PL is in Orchid Run in Cape Coral, Lee County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 4604 SE 20th PL differ from the current owner's?
The estimate on this page (about $6,400 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,175 more per year than the current owner’s estimated bill (+422%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4604 SE 20th PL in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 4604 SE 20th PL in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Florida Gulf Coast Multiple Listing Service, Inc.. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.