1138 SW 12th Ter, photo 1
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Overview

3 bd2 ba1,420 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1986
Lot14,985 sqft
Living area1,420 sqft
Price / sqft$204
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboPrimary Bedroom Main FloorSplit BedroomThermostatHurricane ShuttersPrivate Yard

1138 SW 12th Ter is a 1986-built home in Cape Coral, Cape Coral. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,420 square feet of living space. Listed at $289,000 (about $204/sqft), 24 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Enjoy canal front living on an oversized, fenced lot with generous frontage along the Firebird Canal. Surrounded by lush tropical landscaping and more than 10 varieties of fruit trees, this 3 bedroom, 2 bath home offers a spacious backyard with room for a future pool. Inside, natural light fills the open living and dining areas. The kitchen features pantry storage and an island with bar seating, while the split-bedroom layout gives the generous primary suite added privacy. The suite includes a walk-in closet and direct backyard access; two guest bedrooms share a full bath. Fish or kayak from your backyard, or relax in the shade and take in the waterfront setting. Additional features include a reverse-osmosis system, a 10 x 10 foot shed, and a 2 car garage with workbenches. City water and sewer are connected, and assessments are paid in full. Conveniently located near Pine Island Road and Veterans Parkway, the home also comes with a full one year home warranty from Cinch.

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The essentials

Built
1986
Price / sqft
$204
On market
24 days
Annual tax
$3,196
Flood zone
X500 · Low risk
Lot
14,985 sqft
Type
Single Family Residence

At a glance

Single family
Built 1986
Waterfront
Canal - Freshwater
2 car garage
0.34 acres
Lot size
1,420 sqft
Living area

Payment

Est. monthly payment
$1,918/mo
Down payment (20%)
$57,800
Property taxes
$266/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1986
Lot
14,985 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Canal - Freshwater
Days on Market
24
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Hurricane Shutters
Private Yard
Storage
Dishwasher
Dryer
Electric Water Heater
Range
Refrigerator
Washer
Whole House R.o. System
Homestead exemption on file Flood Zone X500
Annual Tax (2025)
$3,196
Parcel #
22-44-23-C4-04354.0090

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Cape Coral
County
Lee
MLS Area
33991 - Cape Coral
Lot Size
14,985 sqft
Oversized LotPaved

Price history

Date
Event
Price
9/25/2026
Listed for sale
Source: Stellar MLS #A4707466
$289,000
$204/sqft

Neighborhood

1138 SW 12th Ter
Cape Coral, FL, 33991 · 33991 - Cape Coral

Market insights

Offer Insights

Choose an offer strength

List price: $289,000
$282,500 – $289,000
97.8% – 100% of listTops out right at the list price
80% of listList price
17 of the last 32 home closings in 33991 landed at this number or higher (53%). The median one sat 29 days before it went under contract, and this one is on day 24.

Sample: 32 closed home sales in 33991 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,918/mo
Principal & interest$1,507
Property taxes$266
Insurance$145
Down payment20% · $57,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$289,000

$204 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,420 sq ft

Time on market

24 days

Year built

1986

Monthly payment

About $1,918/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,196 annual tax bill, insurance.

Flood zone

Zone X500

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byPALM PARADISE REALTY GROUPListing agent: Heather Sowder, PAListing data from Stellar MLS, MLS# A4707466.

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