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List Price

$599,000

4814 1st, Cape Coral, FL 33914

10 days on market

Estimated Payment

$4,242/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,548 Square FeetYear builtBuilt 1964

Listed by

Lacey Young

Downing Frye Realty Inc.

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

OVERSISZED .42-acre lot with DIRECT GULF ACCESS!! This beautifully upgraded, move-in-ready waterfront home offers the ultimate Southwest Florida boating lifestyle, combining premium waterfront amenities, extensive improvements, and an incredible resort-style outdoor oasis! Designed for boating enthusiasts and outdoor entertaining, this property features a premium wraparound dock complete with canopy, dock lighting, fish cleaning station, tiki bar, and a 10,000-pound boat lift. Enjoy effortless access to the Gulf and endless days on the water right from your backyard! The expansive outdoor living area is a tropical paradise, featuring a heated swimming pool with newer pool heater and pump, multiple gathering and entertaining spaces, outdoor ceiling fans, and two sets of sliding glass doors creating a seamless connection between indoor and outdoor living. The beautifully landscaped, fenced property is surrounded by mature tropical trees and an abundance of fruit trees, including banana, lime, lemon, and tangerine, offering exceptional privacy and a true Florida retreat. Additional space provides convenient storage for a boat, trailer, or RV. Extensive improvements and upgrades provide exceptional value and peace of mind, including a NEW metal roof, new pool liner, updated soffits and gutters, new electrical breaker box and electrical service, NEW air conditioning system, hurricane-rated garage door, smart storm protection screens, custom flood barriers for an additional layer of protection, and a newly installed paver driveway.

4814 1st, Cape Coral, FL 33914 in Cape Coral, FL 33914 is listed for $599,000. The home has 3 bedrooms, 2 bathrooms, and 1,548 square feet, and was built in 1964. Listed 10 days ago. The listing is held by Downing Frye Realty Inc..

33914 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$6,023 (tax year 2026)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $119,800

$

$4,242/moest.

  • Principal & Interest 76%
  • Property Taxes 12%
  • Insurance 12%
Principal & Interest
$3,241
Property Taxesfrom listing
$502
Insurance
$499

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $4,242, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $6,023 for tax year 2026. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Based on information from the Florida Gulf Coast Multiple Listing Service, Inc. for the period Nov 12, 2026 4:57 AM ET through Nov 13, 2026 4:57 AM ET. MLS# 1194427240. HomeJam is not the listing broker.

List Price

$599,000

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