The water
Saltwater canals and the river
Many homes have a dock on a saltwater canal or the Caloosahatchee, often with no bridges to the river.
Cape Coral, Florida
Cape Coral Yacht Club Homes for Sale
The Cape Coral Yacht Club is one of the city’s original waterfront neighborhoods, in southeast Cape Coral on the Caloosahatchee River, ZIP code 33904. Many homes sit on saltwater canals, often with no bridges between the dock and the river, and there is no HOA on most streets.
Southwest Florida › Cape Coral › Cape Coral Yacht Club
Cape Coral Yacht Club: an original waterfront neighborhood on the Caloosahatchee
Neighbors keep boats behind the house and reach the river in minutes, and the public beach at the Yacht Club park is close by. Most homes pay no association dues.
Cape Coral Yacht Club at a glance
Homes
Single-family
Built
Late 1950s to today
HOA
None on most streets
Why Residents Choose the Yacht Club
Cape Coral Yacht Club living, from the dock to the river beach
Boats behind the house, the river at the end of the canal and South Cape a few minutes away, with no association dues on most homes.
The park
A public beach on the river
The Yacht Club beach is open with limited facilities. The pier, pool, boat ramp and marina remain closed during a phased redevelopment.
The neighborhood
Original Cape Coral, close to South Cape
Original 1960s homes and new custom homes on open streets, minutes from Cape Coral Parkway.
What the city provides
Most homes pay no association fee. The city provides the shared services and bills them on the utility bill and the property tax bill.
Water and sewer
city water and sewer service
Irrigation
city irrigation water for the lawn
Trash
curbside pickup, on the tax bill
Stormwater
street drainage, on the tax bill
Fire service
city fire department, on the tax bill
The park
the public beach and the Yacht Club park
No HOA on most homes, no CDD and no club. See what it costs to own here.
Browse the Market
Homes for Sale in Cape Coral Yacht Club
See the newest active Cape Coral Yacht Club listings from the MLS. Use the button below the homes to see them all and filter by price, home type, or beds. New to the area? Our Southwest Florida home buying guide walks you through each step.
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What’s nearby
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Drive-time reach
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What Cape Coral Yacht Club homes sold for in the past 12 months
What changed
Cape Coral Yacht Club sold a similar number of homes over the past 12 months at a higher median. Twenty-four homes sold at a median of $702,500, against 26 at $501,000 the year before, a jump that reflects which homes sold as much as price changes. On October 1, nine homes were for sale and none were under contract.
Single-family homes
$702,500Median sold price, past 12 months
40% higher than the year before ($501,000)
- Homes sold
- 2426 the year before
- For sale now
- 9
- Previously listed
- 4 of 9Earlier listing ended in the past 12 months
- Under contract
- 01 a month earlier
- Months of supply
- 4.5 months
- Median days on market
- 50 days
- Share of final asking price
- 93.2%
- Price per square foot
- $346$319 the year before
- Sold price range
- $225,000 to $3,300,000
- Asking prices now
- $349,900 to $2,799,900
Home types follow the MLS building categories, with filing errors corrected where the listing shows a different home type.
Sold on the first try, or relisted first
Homes that sold in the past 12 months, split by whether an earlier listing had failed in the year before. Days for relisted homes add up every listing; days for first-try sales count only the listing that sold.
| Home type | Sold on the first try | Relisted before selling | Relisted homes, median amount below their last listed price |
|---|---|---|---|
| Single-family homes | 19 salesmedian $800,000, 50 days | 5 salesmedian $460,000, 202 days in all | $114,500about 21% less |
Prices by home type
Rolling 12-month median sold price
Over the 12 months ending September 2026, the single-family median was $702,500, up from $501,000.
Single-family homes$501,000 in Sep 2025 · $702,500 in Sep 2026
Each point shows the median sale price for the 12 months ending that month, so neighboring points share most of their sales. The curved lines connect those values.
See the numbers
| 12 months ending | Single-family homes: sales | Median | Price per sq ft |
|---|---|---|---|
| Sep 2025 | 26 | $501,000 | $319 |
| Oct 2025 | 25 | $490,000 | $318 |
| Nov 2025 | 25 | $490,000 | $318 |
| Dec 2025 | 28 | $527,500 | $322 |
| Jan 2026 | 30 | $552,500 | $326 |
| Feb 2026 | 28 | $571,250 | $331 |
| Mar 2026 | 26 | $571,250 | $326 |
| Apr 2026 | 30 | $571,250 | $326 |
| May 2026 | 29 | $596,000 | $338 |
| Jun 2026 | 27 | $599,900 | $329 |
| Jul 2026 | 27 | $599,900 | $327 |
| Aug 2026 | 24 | $657,500 | $334 |
| Sep 2026 | 24 | $702,500 | $346 |
Cape Coral Yacht Club home prices
Twenty-four homes sold in the 12 months ending September 2026, against 26 the year before, at a median of $702,500, up from $501,000. With this few sales, the median moves a lot with the mix of homes that sold. The price per square foot rose from $319 to $346.
Home sales in the Yacht Club in September 2026
One home sold in the Yacht Club in September.
How to compare Yacht Club home prices
Compare a home with recent sales on similar water: the same kind of canal or the river, the same bridge situation, and a similar age and elevation. Over the past 12 months the median sold price per square foot was $346, and a rebuilt or newer home sells in a different range than an original 1960s home.
Competition for sellers
How much competition a Yacht Club seller faces
On October 1, nine homes were for sale, about 4.5 months of sales at the past year’s pace, and none were under contract. Homes took a median of 50 days from listing to accepted contract on the listing that sold, and closed at a median 93.2% of their final asking price, the price after any cuts.
What happened after relisting
What Yacht Club homes sold for after relisting
Five homes sold in the past year after an earlier listing expired, was withdrawn, or was terminated. They sold a median of about $114,500 below their last listed price, about 21% less, and spent a median of 202 days on the market across all their listings. Homes that sold on the first try took a median of 50 days.
Homes sold each month
Homes sold each month
Single-family homesShowing the latest months. Swipe sideways or use the arrows to see all 24 months.
Each bar is one month of closed sales. Monthly counts in a community this size move around a lot, so the 12-month figures in the cards are the steadier read.
See monthly sales by home type
| Month | Single-family homes | All homes |
|---|---|---|
| Oct 2024 | 1 | 1 |
| Nov 2024 | 0 | 0 |
| Dec 2024 | 0 | 0 |
| Jan 2025 | 1 | 1 |
| Feb 2025 | 2 | 2 |
| Mar 2025 | 5 | 5 |
| Apr 2025 | 2 | 2 |
| May 2025 | 4 | 4 |
| Jun 2025 | 5 | 5 |
| Jul 2025 | 2 | 2 |
| Aug 2025 | 3 | 3 |
| Sep 2025 | 1 | 1 |
| Oct 2025 | 0 | 0 |
| Nov 2025 | 0 | 0 |
| Dec 2025 | 3 | 3 |
| Jan 2026 | 3 | 3 |
| Feb 2026 | 0 | 0 |
| Mar 2026 | 3 | 3 |
| Apr 2026 | 6 | 6 |
| May 2026 | 3 | 3 |
| Jun 2026 | 3 | 3 |
| Jul 2026 | 2 | 2 |
| Aug 2026 | 0 | 0 |
| Sep 2026 | 1 | 1 |
How we count these numbers
- Median sold price
- The middle sale price of the homes that closed in the past 12 months. Half sold for more and half for less.
- Change from the year before
- The same figure for the 12 months before that, for the same home type. We show it when both years have at least five sales.
- Fewer than five sales
- On the home-type cards, median sold price appears only with five or more sales. With fewer, the card shows the range of what sold instead. Other card figures based on fewer than five sales show the number of sales beside them.
- Homes sold
- Homes that closed in the past 12 months.
- For sale now
- Active listings in the MLS on October 1, 2026.
- Under contract
- Homes with a contract signed in the past 120 days that had not closed by October 1, 2026.
- Months of supply
- How many months the homes for sale would last at the past 12 months’ pace of sales.
- Median days on market
- Days from the MLS listing date to the accepted contract, for the listing that sold, middle value. A relisted home starts this count over, so it can look newer than it is.
- Share of final asking price
- What sellers received as a share of the last asking price before the sale, middle value.
- Price per square foot
- The sale price divided by the living area, middle value. It lets you compare homes of different sizes.
- Previously listed
- Homes for sale with an earlier listing that expired, was withdrawn, or was terminated in the past 12 months, without a sale in between. Why homes get relisted.
- Sold on the first try
- A home with no expired, withdrawn, or terminated listing in the 12 months before it was listed.
- Relisted before selling
- A home with at least one expired, withdrawn, or terminated listing in the 12 months before the listing that sold. A sale to a new owner in between starts the clock over.
- Last listed price
- For a relisted home, the asking price on the expired, withdrawn, or terminated listing just before the listing that sold, as of the day that earlier listing ended.
- Days in all
- For a relisted home, the full days on market of each listing added together: the listing that sold plus every expired, withdrawn, or terminated listing that ended in the 12 months before it.
- Share of first asking price
- The sale price divided by the price the home first carried on the listing that sold.
- Home types
- From the MLS Building Design field, with filing errors corrected where the listing shows a different home type. A home type gets its own card only when the community has a real number of them.
Every figure comes from Florida Gulf Coast MLS records. The full method is on our Southwest Florida market methodology page.
Figures from Florida Gulf Coast MLS records available as of October 10, 2026. See the full Cape Coral housing market update →
Pricing Proof
Recently Sold in Cape Coral Yacht Club
Recent Yacht Club closings show the prices buyers actually agreed to pay. Compare the same neighborhood, home type, size, view, and condition before treating a sale as a useful comparable.
Home Value
What Is Your Cape Coral Yacht Club Home Worth?
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Cost of ownership
Cape Coral Yacht Club HOA fees and the full cost of owning a home
Most Yacht Club homes pay no HOA fee and no community development district (CDD) charge. The community charges are the City of Cape Coral’s stormwater, trash and fire charges on the property tax bill.
City charges, current ratesAbout $1,063 a yearThe 2026–27 city rates for one stormwater billing unit and an average Cape Coral home, before property taxes, insurance and utility bills. Actual charges vary by property.
Association fees$0 on most homesNo HOA, no CDD
The bigger yearly costs here are property taxes and insurance, which depend on the home, its elevation and its flood zone. Get insurance quotes early.
Living in the home or renting it out?
Choose one to see the yearly city charges.
Living in the home · current rates
About $89 a monthabout $1,063 a year
Three city charges on the property tax bill, with no association fee on most homes.
- Stormwater fee$163.00 a yearPer equivalent residential unit, the city’s billing unit, up from $156 in 2025–26. A larger parcel can be billed for more than one.
- Trash and recycling$384.25 a yearPer home, the same as 2025–26.
- Fire assessmentAbout $515 a yearFor an average Cape Coral single-family home. The amount depends on the parcel and the value of the building.
- HOA$0No association fee on most homes. A condominium or a single street can have its own.
What these charges pay for
City trash and recycling pickup, street drainage and stormwater work, and the city fire department. Water, sewer and irrigation water are billed separately on the city utility bill.
Renting it out · current rates
About $118 a monthabout $1,413 a year
The same city charges plus the yearly rental registration. The figure shown is for short-term rentals; a lease longer than six months registers for $35 instead.
- Stormwater fee$163.00 a yearPer equivalent residential unit, the city’s billing unit, up from $156 in 2025–26. A larger parcel can be billed for more than one.
- Trash and recycling$384.25 a yearPer home, the same as 2025–26.
- Fire assessmentAbout $515 a yearFor an average Cape Coral single-family home. The amount depends on the parcel and the value of the building.
- Rental registration$350 a yearFor stays of six months or less, at least six nights. $35 a year for a lease longer than six months.
- HOA$0No association fee on most homes. A condominium or a single street can have its own.
What these charges pay for
City trash and recycling pickup, street drainage and stormwater work, and the city fire department. Water, sewer and irrigation water are billed separately on the city utility bill.
Check before you buy
Ask for the elevation certificate, the permit history and any storm repairs, and inspect the seawall and dock. Check the parcel with the city for any unpaid utility assessment. Your Worthington agent can help you gather these before you make an offer.
Not included
Property taxes, homeowners and flood insurance, water and sewer use, and upkeep of the house, lawn, dock and seawall, which stay with the owner.
See the city charges
| Charge | 2025–26 | 2026–27 |
|---|---|---|
| Stormwater fee | $156.00 | $163.00 |
| Trash and recycling | $384.25 | $384.25 |
| Fire assessment, average single-family home | About $540 | About $515.43 |
| Rental registration, lease over six months | $35 from Jan. 1, 2026 | $35 |
| Rental registration, six months or less | $350 from Jan. 1, 2026 | $350 |
- The city’s fiscal year runs October to September. The 2026–27 charges were approved by City Council in 2026.
- The fire assessment has two parts, a charge per parcel and a charge based on the value of the building, so it differs from home to home.
- Yearly rental registration and the current fees took effect January 1, 2026.
For Owners Who Rent
Renting out a Cape Coral Yacht Club home: the city rules
With no HOA on most homes, the City of Cape Coral sets the rules. Every rental home must be registered with the city each year, and short-term stays must be at least six nights.
Rental rules
6 nights minimum
For short-term rentals of six months or less, under the city’s rules.
The registration
Register the home with the city every year: $35 for a lease longer than six months, $350 for six months or less.
The contact
Keep the owner’s or manager’s contact details current with the city, and report changes within 30 days.
The fines
Failing to register, or renewing more than 30 days late, brings a $50 fine and a referral to code compliance. Further penalties depend on the rental type and the violation, and each day can count as a separate offense.
The taxes
Leases of six months or less can owe Florida sales tax and Lee County’s tourist development tax.
A condominium can be stricter. If the home is in a condominium or has its own deed restrictions, check those rules too.
We work with owners renting in Cape Coral. We can walk you through the city rules and what the home realistically rents for.
Living in the Cape Coral Yacht Club: a buyer’s guide
The Yacht Club is one of Cape Coral’s first neighborhoods, built from the late 1950s around the city’s Yacht Club Community Park. It is usually described as the area south of Cape Coral Parkway between the Bimini Canal and the Caloosahatchee River. Original 1960s ranch homes sit next to remodels and new custom homes built after older houses came down.
It is a city neighborhood, not a planned community. Most homes have no HOA, no gate and no community development district (CDD). The City of Cape Coral supplies water, sewer and irrigation water, collects the trash, and runs the park. A condominium or a single street can still have its own rules, so check the title documents for a specific home.
Inside Cape Coral Yacht Club
- Location: South of Cape Coral Parkway, close to the shops and restaurants of South Cape and the Cape Coral Bridge to south Fort Myers.
- Boating: Many homes sit on saltwater canals or the river. Many canals have no bridges between the dock and the Caloosahatchee, which is why sailboat owners look here, while some routes pass under fixed bridges.
- Yacht Club Community Park: A city park on the river. The public beach is open with limited facilities. The fishing pier, pool, boat ramp and marina remain closed after Hurricane Ian while the city works on a phased redevelopment, with some parts still waiting on funding and construction schedules. The Boathouse restaurant has been closed since a 2024 fire.
- Homes: Single-family homes, from original 1960s ranches to new custom homes, many with a private pool.
- No gate: Open public streets, with no gatehouse or association.
Types of Homes in Cape Coral Yacht Club
The homes here are mostly detached single-family homes. Many were built from 1958 to the mid-1970s, and newer custom homes have replaced some of the originals. They run about 1,050 to 4,500 square feet, and many have a private pool. Canal widths range from narrow residential canals to wide basins and riverfront.
The owner looks after everything on the lot, including the lawn, the dock and the seawall. Seawall and dock work needs city permits. On an older home, check the roof, the elevation, the permit history and any storm repairs before you make an offer.
What Living in Cape Coral Yacht Club Is Like
Life here centers on the water. Many owners keep a boat behind the house, and the Caloosahatchee is a short idle down the canal. The public beach at the Yacht Club park is open with limited facilities, while the pier, pool, boat ramp and marina stay closed during the city’s phased redevelopment.
Cape Coral Parkway brings restaurants, shops and services within a few minutes, and the Cape Coral Bridge leads to south Fort Myers. Use the interactive What’s Nearby map to test the drives to the places that matter to you.
What to Know Before You Buy
- No HOA on most homes: Most streets have no association fees or rules beyond the city’s. A condominium or a single street can have its own, so check the title documents.
- City charges: The property tax bill carries the city’s stormwater fee, $163 for 2026–27, the trash charge, $384.25, and a fire assessment of about $515 for an average Cape Coral home. The fire charge depends on the parcel and the value of the building.
- Utilities: Water, sewer and irrigation water come from the city, and the area has had city utilities for decades. Check the parcel for any unpaid utility assessment before closing.
- Water access: Confirm the route from the dock to the river, any bridge heights, the canal depth and the condition of the seawall and dock for the specific home.
- Older homes and flood rules: In a high-risk flood zone, an older home that sits below today’s flood elevation may have to be brought up to current rules when repairs or improvements reach half the value of the building. Land value does not count. Ask for the elevation certificate, the permit history and any substantial damage letter from the city.
- Schools: Served by Lee County Public Schools, which places students through School Choice rather than by address.
- Flood zone: It varies by address. Check it with our flood zone lookup.
Flood risk
Check a Cape Coral address’s flood zone
Flood zone and insurance costs can vary from one block to the next in Cape Coral. Look up the FEMA flood zone for any address in seconds, so you know the zone before you get an insurance quote and make an offer.
Open the flood zone lookup →Moving from up north? Compare your winter with Southwest Florida on our Cape Coral page. Our Florida relocation tax calculator compares what you pay now against what you would pay here, and our cost of owning a home guide puts association fees beside property taxes, insurance and the other yearly costs.
Cape Coral Yacht Club FAQs
01Does the Cape Coral Yacht Club have an HOA?
The short answer
Most homes do not. The Yacht Club is a city neighborhood with no master HOA.
A condominium or a single street can have its own association or deed restrictions, so check the title documents for a specific home. The city provides utilities, trash pickup and the park.
02Do Yacht Club homes have Gulf access?
The short answer
Many homes sit on saltwater canals or the river with access to the Gulf.
Many canals have no bridges between the dock and the Caloosahatchee, while some routes pass under fixed bridges. Confirm the route, bridge heights and canal depth for the specific home.
03Is the Yacht Club Community Park open?
The short answer
The public beach is open with limited facilities.
The fishing pier, pool, boat ramp and marina remain closed after Hurricane Ian while the city works on a phased redevelopment, with some parts still waiting on funding and construction schedules. The Boathouse restaurant has been closed since a 2024 fire.
04What does it cost to own a home in the Yacht Club?
The short answer
With no HOA on most homes, the main yearly charges are property taxes, insurance and the city charges on the tax bill.
For 2026–27 the city charges a $163 stormwater fee, $384.25 for trash and a fire assessment of about $515 for an average Cape Coral home. Actual charges vary by property.
05Can you rent out a home in the Cape Coral Yacht Club?
The short answer
Generally, yes, once the home is registered with the city.
Depending on how the home is rented, a Florida vacation rental license and state and county tourist tax registration may also be required, and recorded restrictions may limit rentals, so check the title documents. Registration costs $35 a year for leases longer than six months and $350 for six months or less, and short-term stays must be at least six nights.
06Is the Cape Coral Yacht Club gated?
The short answer
No. The Yacht Club is an open city neighborhood with public streets.
Most streets have no gatehouse or community association.
07How old are the homes in the Yacht Club?
The short answer
Many were built from the late 1950s to the mid-1970s.
Newer custom homes have replaced some of the originals, so a street can mix 1960s ranch homes and homes built in the last few years.
08What flood zone is a Cape Coral home in, and how do I check it?
The short answer
Flood zones change from one block to the next, so the only answer that counts is the one for that exact address.
The zone affects both insurance cost and lender requirements, and two homes on the same street can sit in different ones. Check the FEMA flood zone for the address first, then get a current insurance quote before you make an offer.
Look up any address Southwest Florida flood zone lookupExplore other Cape Coral communities
Comparing options nearby? Jump to another Cape Coral community, or see the whole city market.
Buying in Yacht Club?
Compare the right Yacht Club homes.
Yacht Club homes sold for a median of $702,500 over the past 12 months, with only 24 sales, and nine were for sale on October 1. Before you make an offer, we compare the water access, the canal, the seawall, the elevation and the age of the home with recent sales.
Own a Yacht Club home?
Price your Yacht Club home within the right comparison set.
With few sales here, every comparison matters. We compare your home with the latest Yacht Club and nearby South Cape sales by water access, canal, age, elevation and condition. See how we sell a Southwest Florida home before you pick an agent.
Worthington Research
Southwest Florida real estate research from Worthington Realty
We research the details that matter when you are comparing Southwest Florida homes and communities, from current market activity and what a home costs to own, to the rules and fees that can change the decision.
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Sources and how we checked them
- Homes, the park and city services
- Home sizes, years built, pools, water access and utility status come from MLS records. The park’s status comes from the City of Cape Coral’s Yacht Club Community Park page and City Council actions in 2026. The flood rebuilding rule is the city’s substantial improvement and damage rule.
- Renting it out
- The registration rules, fees and six-night minimum are on the City of Cape Coral’s rental registration page, effective January 1, 2026.
- What it costs to own
- The stormwater, trash and fire charges are the City of Cape Coral’s rates for October 2026 to September 2027, approved by City Council in 2026; the 2025–26 rates are on the city’s tax-billed assessments page. The rental registration fees are on the city’s rental registration page.
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Home Value
What’s Your Cape Coral Yacht Club Home Worth?
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Talk to a Cape Coral Yacht Club agent
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