Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.
ZIP 33914 — Cape Coral
The 33914 housing market is currently experiencing a correction, characterized by a decline in median home values and a rise in inventory. High insurance costs and interest rates are tempering buyer demand, leading to longer days on market and increased price-cut activity.
This ZIP is ideal for retirees, boaters, and families seeking waterfront access and a suburban lifestyle, though it also attracts investors looking for long-term rental opportunities.
Median prices moved down 4.9% year over year.
Homes spend a median of 91 days on market with 9.3 months of supply — a slower-moving market.
25% of listings have cut prices · homes sell at 97.2% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.7% · poverty 8.6% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 33914, Lee County FL
Crime rates in Cape Coral are generally lower than the national average, with the city consistently ranking as one of the safer mid-sized cities in Florida.
Schools serving the area are part of the Lee County School District, which maintains a mix of public school ratings ranging from average to above-average performance.
The area faces significant flood and wind risks due to its coastal location and canal-heavy geography, necessitating mandatory flood insurance for many properties.
Economic momentum is driven by residential development and service-sector growth, with ongoing infrastructure projects focused on canal maintenance and utility expansion.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
Commutes are primarily car-dependent, with residents typically driving to employment hubs in Fort Myers via the Cape Coral Bridge or Midpoint Bridge.
The area features extensive canal access for boating, proximity to Rotary Park, and numerous golf courses and shopping centers within a short drive.
The rental market has seen a cooling trend with declining rents and increased vacancy pressure as supply has expanded.
The local economy is anchored by healthcare, retail, and construction, with significant employment ties to the broader Fort Myers metropolitan area.
Transportation is dominated by private vehicle use, with limited public transit options and heavy reliance on bridge corridors for regional access.
Development is focused on infill residential projects and the continued expansion of utility infrastructure to support growth.
The Lee County Property Appraiser manages assessments, with values updated annually based on market sales data.
Parcels are subject to Lee County School District taxes and various municipal utility and drainage district assessments.
Property insurance premiums are high and rising due to hurricane risk and coastal exposure, impacting market affordability.
Florida continues to see strong net domestic migration, driven by retirees and remote workers relocating from northern states.
Florida is a judicial foreclosure state, requiring court intervention for the foreclosure process.
Sellers are required to provide a residential property disclosure statement regarding the condition of the property.
Data retrieved from data.census.gov ZCTA 33914 profile.
Features nature trails, butterfly house, and dog park.
Waterfront dining and boutique shopping district.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Forecasts are for speculation only and should not be used as a deciding factor in any transaction. Projections trend strictly from calculable historical values — the platform cannot predict market movements, market sentiment, or the market itself.
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Standard trend model — solid = measured history · dashed = projection anchored at each line's last measured point, following that series' trailing pace (CAGR capped ±12%/yr) or trailing mean · projections are estimates, not measured reads · every charted series runs the standard 5-year historical window with a 1-year forecast, trimmed from the full retained ledger — the forecast always extends into the future year (a lagging ledger bridges to it) and stops there on purpose: authoritative, not wizardry · every price line is county-assessed value from the district CAD — the tier's same-parcel assessment roll-up on the momentum tile, the assessed trajectory in raw dollar levels and as a YoY-chained index (base 100), and the month-over-month pace from nearby comparable sales pooled from the research track; a tier without comps yet keeps its pace story with the assessed trend. Inventory, liquidity, price-cut and foreclosure lines run on the platform's own measured series.
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Aggregate foreclosure counts for this geography — recorded notices, upcoming sales and distress weight against population. The filing-level ledger opens at Investor.
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