Home > Cape Coral > 3520 Sw 3Rd Ter, Cape Coral, FL 33991
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3520 Sw 3Rd Ter, Cape Coral, FL 33991 - 4 Bedroom Pool Home in Cape Coral

$1,599,000

MLS Number
2026034105
Bedrooms
4+Den
Bathrooms
3 Baths
Living Area
2,986 sq ft
Total Area
3,459 sq ft
Garage Spaces
2
Year Built
2006
Days on Market
19

Property Description

Experience Cape Coral waterfront living in this 4-bedroom + Den, 3-bath, nearly 3,000-sq.-ft. two-story home on a Gulf-access canal with southern rear exposure, a heated saltwater pool, and an exceptional private boating setup. The waterfront features a custom gray-plank dock and Captain’s Walk, built to the maximum square footage allowed and installed in 2022, plus two commercial-grade remote-controlled 10,000-lb. and 16,000-lb. boat lifts that can accommodate boats up to 38+ feet. Dock pilings were bored approximately 10 feet or more, and the dock includes power and well water access next to dock. The property also offers on-site boat-trailer parking with emergency in ground hurricane boat trailer straps. The southern rear exposure complements the screened lanai and heated saltwater pool, with LED smart pool lighting enhances evening use. Major improvements include a premium concrete tile roof, high-efficiency primary A/C system, upgraded plumbing, wind-mitigated window and pool-cage screens, triple sliding glass doors to lanai and pool area, four-zone automatic sprinkler system, and whole home generator wiring. High-speed connectivity includes Quantum Fiber and Xfinity. The exterior features refreshed charcoal-gray paint, updated landscaping and curbing, new St. Augustine sod for entire property with 4 zone smart WIFI irrigation system and epoxy coatings on the driveway, walkways, and garage floor.
Inside, the home offers an open layout with multiple living areas and an upstairs split-bedroom floor plan. The primary suite is positioned on one side -with its own private screened balcony, with the three additional bedrooms on the opposite side. A large upstairs area that can be a flex space for an office, media room, playroom, or second living area. The open main living area connects easily to the kitchen and screened outdoor space, creating a comfortable flow for everyday living and entertaining, while the waterfront setting, pool, and boating features make the property especially well suited to the Southwest Florida lifestyle. Interior walls and ceilings have been refreshed, the first floor features new LVP flooring, and the upper level has new carpeting. The kitchen offers solid black granite countertops, abundant cabinetry, and all new premium LG stainless steel appliance suite with InstaView and Craft Ice. The secondary upstairs bathroom has been remodeled with an upgraded tub and glass enclosure, dual sinks, updated finishes, and new flooring. Additional highlights include generous natural light throughout, multiple indoor and outdoor gathering spaces, and a layout that works well for both everyday living and entertaining. The combination of waterfront access, boating infrastructure, pool, upgrades, and flexible interior spaces creates a well-rounded Cape Coral Gulf-access property for year-round or seasonal living.

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The Basics

Property Type Single Family
Gulf Access Yes
Boat Access Boat Dock Private, Boat Lift, Captain's Walk, Composite Dock, Elec Avail at dock, Water Avail at Dock
Private Pool Yes
Private Spa No
Acres 0.23
Furnished Unfurnished
Last Modified 6 days ago

Financials & HOA Fees

Foreclosure No
Auction No
Short Sale No
Mandatory HOA No

Building Features

Building Style 2 Story
Construction Materials Concrete Block, Stucco
Cooling Ceiling Fan(s), Central Electric
Covered Spaces 2
Elevator None
Floor Plan Split Bedrooms, 2 Story
Floors 2
Garage Spaces 2
Rear Exposure South
Roof Tile
Security Features Security System, Smoke Detector(s)
Storm Protection Shutters - Manual
View Canal, Water
Water Source Assessment Unpaid, Central
Waterfront Features Canal Front, Seawall

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Interior Features

Appliances & Equipment Auto Garage Door, Cooktop - Electric, Dishwasher, Disposal, Microwave, Refrigerator/Freezer, Security System, Self Cleaning Oven, Smoke Detector, Washer/Dryer Hookup
Interior Features French Doors, Laundry Tub, Pantry, Smoke Detectors, Volume Ceiling, Walk-In Closet(s)
Additional Rooms Balcony, Den - Study, Family Room, Laundry in Residence
Kitchen Features Pantry
Flooring Carpet, Vinyl
Gas No
Laundry Washer/Dryer Hookup, Laundry in Residence, Laundry Tub

Neighborhood and Community

Pets Allowed Yes
Amenities None
Neighborhood Cape Coral
Neighborhood Type Non-Gated
Included in Fees None
HOA Restrictions No Commercial, No RV

Additional Images

Chris Farrugia, REALTOR Portrait

Chris Farrugia, M.B.A.

Realtor® at The Listing Naples Group

📞 (239) 248-8171
📧 chris@listingnaples.com

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The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations. Copyright 2026 Southwest Florida MLS organizations. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.

Listing provided by Century 21 Selling Paradise.

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