2047 SE 28th Terrace, Cape Coral, FL 33904
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 30, 2026, 2047 Se 28Th Terrace in Cape Coral is listed at $1,450,000 (2,559 sq ft, about $567 per sq ft). It came to market within the past week. Listing facts: built in 2002, a private pool, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2002 · 24 yrs
- 2,559 sq ft of living area
- 4-car garage
- Active listing
- No HOA reported by the listing (confirm)
This home’s history
- 2002BuiltPer public record
- Sep 30, 2026First seen on movewithmomentum.comObserved at $1,450,000
- 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.
Estimated monthly payment
- Principal & interest $7,741/mo 76%
- Taxes $1,862/mo 18%
- Insurance $624/mo 6%
$10,228/mo at 20% down, 30-yr @ 7.03% · 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), Stellar 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.
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.
About this home
SAILBOAT GULF ACCESS, JUST 1,200 FEET TO THE RIVER, AN OVERSIZED RV GARAGE, TWO BOAT LIFTS AND A WATERFRONT SETTING BUILT FOR BOATERS! This impressive Cape Coral waterfront home combines luxury, functionality and incredible access to the water with no bridges between you and the river. Inside, the open great room floor plan is filled with natural light and features soaring ceilings, crown molding, tile flooring, plantation shutters and brand new hurricane resistant 90 degree sliding glass doors that open the living space to the screened lanai and wide canal views.
The kitchen is designed for entertaining with granite countertops, a large island with seating, a walk in pantry with pull out drawers, Sub Zero refrigerator, wine refrigerator and a brand new induction oven, while both a formal dining room and waterfront breakfast nook provide plenty of space for gatherings. The spacious primary suite overlooks the water and features direct outdoor access, tray ceilings, a large walk in closet with built ins and a beautifully finished bath with dual vanities, freestanding soaking tub and oversized custom walk in shower. The guest accommodations are equally inviting, including an ensuite bedroom and a newly added walk in Jacuzzi bath.
Outside is where this property truly stands apart. The expansive screened lanai surrounds a heated saltwater pool and spa with multiple covered seating areas, an outdoor kitchen with built in grill, refrigerator and sink, plus a fire pit and a new hot tub that conveys with the property. A private dog run with artificial turf provides a low maintenance space for pets.
Continue toward the water and you will find a wrap around composite dock designed for enjoying every part of the waterfront, complete with a tiki hut, multiple seating areas and two boat lifts, including a 30,000 lb lift with 22,000 lb bunks and a 4,000 lb lift with brand new bunks. The wide canal and short route to the river make this an exceptional setup for serious boaters. Additional highlights include a newer metal roof, a brand new A/C unit, laundry room with utility sink, a safe that conveys with the property and an incredible RV garage measuring over 1,000 square feet with room for multiple vehicles, an RV or boat, plus RV electric and cleanout.
With incredible waterfront views, direct Gulf access, resort style outdoor living and garage space rarely found in Cape Coral, this home offers a lifestyle that is just as impressive as the property itself. Schedule your private showing and experience everything this waterfront home has to offer.
Description provided by THE KEYES COMPANY and reproduced from the MLS; not independently verified.
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
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Lee County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 2,559 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 September 30, 2026.
Similar homes for sale near CAPE CORAL
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 CAPE CORAL
- 16053 Via Solera Circle #104 · $269,900 · 3 bd / 2.5 ba · listed September 30, 2026 (courtesy of TREND REALTY)
- 1267 Hazeltine Drive · $185,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of KW PEACE RIVER PARTNERS)
- 4340 SW 6th Place · $95,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of MARC JOSEPH REALTY, INC)
- 2737 W Gulf Drive #225 · $975,000 · 2 bd / 2.0 ba · listed September 30, 2026 (courtesy of KW FLORIDA LIVING)
- 1918 SE 40th Street · $2,695,000 · 5 bd / 5.0 ba · listed September 29, 2026 (courtesy of RE/MAX NAUTICAL REALTY)
- 1138 SW 12th Terrace · $289,000 · 3 bd / 2.0 ba · listed September 29, 2026 (courtesy of PALM PARADISE REALTY GROUP)
Recently off market in CAPE CORAL
- 6730 Equinox Lane · last listed $299,900 · 2026-09-30
- 1817 Kismet Parkway · last listed $364,900 · 2026-09-30
- 4213 Caloosa Parkway · last listed $385,000 · 2026-09-29
- 4134 NW 32nd Lane · last listed $420,000 · 2026-09-29
- 4113 NW 34th Lane · last listed $420,000 · 2026-09-29
- 3706 NW 1st Terrace · last listed $367,000 · 2026-09-29
Price & listing history
Building permits
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.
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.
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Listed by THE KEYES COMPANY · MLS # TB8553605
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More on Lee County
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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.
Comparable recent sales
No closed sales of a similar home within about 10 miles in Lee County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for CAPE CORAL. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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Buyer research checklist
Items worth confirming for 2047 Se 28Th Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2002 (24 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- 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.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 2,559 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 $22,350/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $9,925 more per year than the current owner’s estimated bill (+80%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
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.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: September 30, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Lee County — 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 Stellar MLS 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 2047 Se 28Th Terrace and when was it built?
Per the listing record, 2047 Se 28Th Terrace was built in 2002 and has 2,559 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2047 Se 28Th Terrace in?
2047 Se 28Th Terrace is 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.
Does 2047 Se 28Th Terrace have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 2047 Se 28Th Terrace differ from the current owner's?
The estimate on this page (about $22,350 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $9,925 more per year than the current owner’s estimated bill (+80%). 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 2047 Se 28Th Terrace 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 2047 SE 28TH TERRACE in person
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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.
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 and we will review and correct or remove it promptly.
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.
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 Stellar MLS Internet Data Exchange, as distributed by MLS GRID. 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: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. 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. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.