The house in one paragraph
Better than new, without the wait. Built in 2024 of concrete block and lived in by one owner since, this is a four bedroom, two bath split-plan home of 2,044 square feet with something most floor plans at this size do not have: a separate 11 by 11 den. It is in addition to the four bedrooms, not one of them. Use it as the office you can actually close the door on, a playroom, or a guest suite when family comes down for the winter.
The kitchen is the center of the plan — a long granite island with a breakfast bar, a pantry, stainless appliances and white shaker cabinetry, opening straight across the dining area into a 23 by 16 great room under recessed lighting. Tile runs through the main living areas; the bedrooms are carpeted. The primary suite sits on the ground floor on its own side of the house with a double granite vanity and a walk-in closet. Sliders open onto a screened lanai facing south, and laundry is a proper room rather than a closet.
Because the house is only a year old, the roof, the air conditioning, the water heater and the appliances are all current-generation and early in their service life. And there is no homeowners association — no approval process, no application fee, no dues, no special assessments. Zero recurring fees of any kind.
Photos
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What is actually here
- Built 2024, concrete block, one owner
- Four bedrooms plus a separate den — five usable rooms
- Split floor plan with a 23 x 16 great room
- No HOA — zero dues, zero approval process
- No special assessments, none outstanding
- Granite counters in the kitchen and both baths
- Stainless appliance package conveys
- Island kitchen with pantry and breakfast bar
- Primary suite on the ground floor with a walk-in closet
- Tile through the main living areas, carpet in the bedrooms
- Screened lanai, south-facing rear exposure
- Laundry in residence, washer and dryer convey
- Two-car attached garage with auto opener
- Hurricane panels convey with the home
- Recessed lighting and ceiling fans throughout
- FHA and VA terms considered
The specifics
- List price
- $434,900
- Price per sq ft
- $212.77
- Living area
- 2,044 sq ft
- Total area
- 2,454 sq ft
- Bedrooms
- 4 + den
- Baths
- 2 full
- Year built
- 2024
- Construction
- Concrete block, stucco
- Roof
- Shingle
- Lot size
- 0.23 acres · 89 x 125
- Zoning
- R1
- Water
- Well
- Sewer
- Septic
- Cooling / heating
- Central electric
- Storm protection
- Manual shutters, panels convey
- Pool / spa
- None
- Waterfront
- No
- HOA dues
- $0 — no HOA
- Special assessments
- $0
- Total annual fees
- $0
- 2025 taxes
- $5,132
- Terms
- Cash, conventional, FHA, VA
- MLS number
- 2026037416
Buying here versus buying the new build down the street
| 1108 NW 14th Ter | Typical NW Cape spec build | |
|---|---|---|
| Move-in timing | Your closing date | Build cycle, subject to change |
| Screened lanai | Already built | Usually an upgrade or aftermarket |
| Den in addition to 4 bedrooms | Yes, 11 x 11 | Often a 3-bedroom-plus-flex plan |
| Landscaping | In and established | Builder minimum, then grows in |
| Appliances and garage opener | Convey | Package pricing varies |
| Hurricane panels | Convey | Buyer expense after closing |
| HOA | None | Varies — many newer sections carry one |
Northwest Cape Coral, 33993
Northwest Cape is the part of the city still being built. That is the whole story of this ZIP code: block after block of 2024, 2025 and 2026 construction going up on a grid platted decades ago, which is why a buyer here is usually choosing between a finished home and a home that does not exist yet. It is inland rather than a canal or gulf-access address, and that is exactly why the price of entry into a brand-new block house up here reads differently than it does in the south and southwest quadrants of the Cape.
This section runs on well water and septic rather than city utilities, which is worth understanding rather than fearing — it means no monthly city water and sewer bill, and on this property no utility assessment outstanding. Lots run wide, yards are real yards, and the newer housing stock means current-code construction rather than a 1990s remodel. Burnt Store Road and Pine Island Road carry the commute south and east.
If you are shopping this corner of the Cape, the honest advice is to walk both options — a finished home like this one and a builder model — and price out the difference. Lanai screen, landscaping, hurricane panels, an appliance package and a closing date you control are not small line items once you add them up.
Questions buyers ask
Is there an HOA?
No. No association, no approval process, no application fee, no dues. Total annual recurring fees are zero and there are no special assessments.
Is it four bedrooms or five?
Four bedrooms plus a separate den of 11 by 11 feet. The MLS records it as four bedrooms plus den. The den is in addition to the four, not one of them.
Is there a pool?
No pool and no spa. The lanai off the great room is screened and the rear of the home faces south.
City water and sewer, or well and septic?
Well water and septic, which is standard for this part of Northwest Cape Coral. No utility assessments outstanding.
What about storm protection?
Manual shutters, and the hurricane panels convey with the home. Windows are picture and single-hung rather than impact glass. The structure itself is concrete block built to 2024 code.
How is this different from buying a new build nearby?
This one is finished and the closing date is yours instead of a build schedule. The lanai screen, the landscaping, the appliance package, the garage door opener and the hurricane panels are already here and included.
Can my agent show it?
Yes. The home is owner-occupied and appointment required — buyer agents schedule through ShowingTime, and reasonable lead time is appreciated. Offers go on the FAR BAR AS-IS contract.