Homes ›Cape Coral
626 SE 34th StStreet View
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Off-market · AVM only

Estimated value (AVM)

$262,000

Source: county records — no active MLS listing found

3 bd · 2 ba · 1,927 sqft

626 SE 34th St, Cape Coral, FL

Sell this homeSee financing options

True monthly cost

$2,279/mo

Mortgage + taxes + HOA + insurance + flood + assessments + utilities

Est. $/sqft

$136

Affordability fit

Tight

≈ 33% of Cape Coral median income

Flexibility

Possibly flexible

Trust check · Florida edition

Insurability: flood · roof · wind

The three numbers Zillow won't tell you — the ones that decide whether you can actually insure (and finance) this home in SW Florida.

Sourced from FEMA NFHL & LeePA
Flood zoneUnmapped

FEMA NFHL has no flood-zone polygon at this point.

Est. NFIP premium—
In our cost engine$2,280/yr

Action: Pull elevation cert from seller to confirm.

Roof age?

Roof age unknown

We don't have a confirmed roof age. Year-built is a proxy only.

Year built (proxy)Unknown
InsurabilityRoof age unknown

Action: Ask seller for roof permit & date.

Wind-mit savings$400–$1,800/yr

A wind-mitigation inspection (~$100) almost always pays for itself in year one. Credits stack on each of these features:

  • • Hip roof (vs gable)
  • • Roof-to-wall clips, single wraps, or double wraps
  • • Impact-rated windows / accordion or panel shutters
  • • Secondary water resistance (SWR) underlayment

Action: order a wind-mit report alongside your 4-point.

Projected annual insurance: $3,984 (wind $1,704 · flood $2,280)

Estimates only. Final premium depends on carrier, deductibles, and inspection results.

Insurability drag on True Monthly Cost

+$238 /mo

How much the roof age and flood zone shift this home's monthly cost vs a fresh-roof, zone-X baseline. Already included in the True Monthly Cost above.

See stress test →

  • Roof age vs fresh-roof baseline

    Roof age unknown — assuming a small carrier penalty until verified.

    +$48/mo

  • Flood zone vs preferred-risk (X)

    FEMA zone not yet resolved for this parcel.

    +$190/mo

Verify

Cape Coral: registration required

Registration required · 7-day minimum stay · 7-day minimum applies in most residential zones; verify per parcel.

View sources & last verified

Clear

No FEMA flood zone on file

Outside the Special Flood Hazard Area — FEMA substantial-improvement rule generally does not apply.

View sources & last verified

Key facts

Bedrooms

3

Bathrooms

2

Square feet

1,927

Location

Cape Coral

Status

Active

Financing options for this home

Pre-filled with this property's price, taxes, HOA, insurance, and assessments.

Side-by-side · True monthly cost

Compare creative ownership pathways

For 626 SE 34th St · $262,000
Bank financing

Conventional 30-yr

True monthly cost

$2,282/mo

Baseline

P&I$1,423
Taxes + insurance + flood$539
Utilities$320
Cash to close$52,400
Rate · term7.2% · 30y

Today's market rate. Full underwriting and 20% down.

Owner-held note

Seller financing

True monthly cost

$2,273/mo

−$9/mo vs conventional

P&I$1,414
Taxes + insurance + flood$539
Utilities$320
Cash to close$26,200
Rate · term6% · 30y

Owner of 626 SE 34th St carries the note at a negotiated rate with reduced down.

Inherit the rateLowest /mo

Assumable FHA/VA

True monthly cost

$1,771/mo

−$511/mo vs conventional

P&I$912
Taxes + insurance + flood$539
Utilities$320
Cash to close$65,500
Rate · term3.25% · 27y

Take over the existing low-rate loan. Buyer funds the equity gap.

Bridge to ownership

Lease-to-own (24 mo)

True monthly cost

$2,300/mo

+$18/mo vs conventional

Lease payment$1,441
Taxes + insurance + flood$539
Utilities$320
Cash to close$7,860
Rate · term— · 24mo

Monthly lease + option fee. No mortgage today; lock price for 24 months.

AI · Tailored to this home

Creative financing scenarios

PropertiesGPS AI proposes 4 deal structures matched to 626 SE 34th St's price, recurring costs, and affordability profile.

Click Generate to get 4 deal structures tailored to this home.

Location

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Listings, availability, and pricing on Zillow, Redfin, Realtor.com, and Trulia are provided by those third parties. Information may be outdated, incomplete, or differ between sites. Always confirm current details directly with the listing source or your agent before making a decision.

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Full investor report is locked

Unlock the deep intelligence on this property — the stuff Zillow doesn't show you.

  • Distress signals: liens, lis pendens, tax delinquency
  • Roof-age adjusted insurance estimate
  • STR / Airbnb upside, cash flow, comparables
  • AI investor brief with watch-outs & opportunities
Checking access…

$9 unlock = 30-day access to this one property. Pro = unlimited.