0.24 acre commercial lot for sale in Cape Coral, FL

Owner Finance

$69,900

Lot Size

0.24 acres

Parcel

14-44-23-C4-01936.0330

GPS

26.642503, -81.986073

Deed Type

Owner financed contract to warranty deed

Location

521 SW 4th St, Cape Coral, FL 33991

Secure your next business or investment opportunity with this approximately 0.24-acre commercial lot at 521 SW 4th St, Cape Coral, FL 33991, in Lee County, FL. Flexible owner financing makes it easier to get started.

Located near Pine Island Road and Santa Barbara Boulevard, the property offers convenient access to shopping, dining, established neighborhoods, and an active commercial corridor. Nearby attractions include Sun Splash Family Waterpark and Lake Kennedy Community Park, with Fort Myers and Gulf Coast beaches within reach for day trips.

Explore the potential for a small professional office, boutique retail space, or neighborhood service business, subject to zoning confirmation and site-plan approval. Whether you’re planning a future business location, considering development for rental income, or purchasing land to hold for resale, this lot offers possibilities in a well-connected Cape Coral location.

Owner Finance Options:

7 years (8.5%), down payment $5,000 – monthly payment $1,027.79
10 years (8.5%), down payment $5,000 – monthly payment $804.67

$4,500 additional deposit is due within 48 hours

Owner Finance Terms

$1.99 monthly processing fee apply to each invoice.

No pre-payment penalty.

No credit check, everyone can buy it.

Road: Paved road access

Utilities: Sewer, public water, and electricity available. All water and sewer assessments are paid in full.

Property Tax: $1,195.57

Zoning: Commercial.

Legal: CAPE CORAL UNIT 29 PT 1 BLK 1936 PB 16 PG 135 LOTS 33 + 34

Deposit

$500.00

Pay Deposit

The deposit will be deducted from the full purchase price and recording fees covered by the company.

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FAQ

Questions buyers ask before they commit.

If you don't see yours here, call or text 678-708-6969.

Getting started

Can I buy land with no credit check?

Yes. We don't check credit history. Everyone qualifies — no application, no waiting for approval. You pick the property, put down a deposit, and you're in.

How much is the deposit?

Most properties require $500 down. Higher-value properties may require $1,000. The listing page always shows the exact deposit amount before you commit.

Is the deposit refundable?

Yes, within 24 hours. After that, the deposit is non-refundable because the property is pulled from the market and held exclusively for you.

When does my first monthly payment start?

You'll have at least 30 days between your down payment and your first monthly payment. You won't be paying both at the same time.

Is this like a rent-to-own model?

Similar idea. You make monthly payments toward ownership, and the deed transfers once the balance is paid in full. The difference: you're buying real property under a recorded land contract, not renting.

Is owner-financed land a safe way to buy property?

Yes, when the terms are clearly spelled out — and ours are. Read the agreement, understand the payment structure, and do your own due diligence on the property before buying. You can read verified buyer reviews on Trustpilot.

Still have a question?

Call or text 678-708-6969 · sales@rinaland.com

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