2909 SW 38th Street Not located in a flood zone, with no flood insurance required-a rare and valuable advantage for a Gulf access home in the highly sought-after Surfside neighborhood. Where else can you find a Gulf access pool home offering this much value? Opportunities like this are incredibly rare.This beautifully maintained, waterfront home perfectly combines modern updates, spacious living, and the Florida lifestyle you've been dreaming of. Built in 2005 and offering more than 2, 200 square feet of living space, this home provides peace of mind with a new roof (2023), a new A/C system, and complete hurricane protection, including hurricane windows, electric roll-down and accordion shutters on all major openings. Boating enthusiasts will appreciate the Gulf access canal, expansive captain's walk with electric service already in place for your future dock or lift, and the fenced backyard that offers both privacy and convenience. Inside, you'll find tile flooring throughout, granite countertops in every bathroom, stainless steel appliances, custom blinds, plantation shutters, and four sets of sliding glass doors. A wall of windows fills the home with natural light while showcasing beautiful canal views from the main living areas and the spacious primary suite. Step outside to your private backyard oasis, where a large under-truss lanai provides plenty of shade overlooking the heated pool-the perfect place to relax, entertain guests, or enjoy Southwest Florida's year-round sunshine. If you've been searching for a move-in-ready Gulf access pool home in one of Cape Coral's most desirable neighborhoods, offering generous living space, major updates, waterfront boating access, and exceptional value-with the added benefit of no flood insurance requirement-this is the one you've been waiting for.