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Alejandro Muguercia, real estate agent in Southwest Florida
Alejandro MuguerciaBroker Associate · Ace Realty & Associates
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Southwest Florida real estate, Naples to Cape Coral · Alejandro Muguercia

Share your wish list.See what it costs.

Advisor first. Search in your own words, see the real monthly cost, and get an honest plan built around your numbers.

5.0Google rating · 11 reviews
Ace RealtyBroker Associate
SWFL + MiamiNaples to Cape Coral
New on the market

Fresh in Southwest Florida

Search every home for sale on the map.

Live MLS listings from Naples to Cape Coral and Lehigh Acres, on a map you can move and filter. If you'd rather get a short list, tell me what you're looking for and I'll send matches by hand.

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The real monthly cost

The price is one number. The monthly cost is the one you live with.

Insurance is the cost Southwest Florida buyers underestimate most. Every home here shows mortgage, taxes, wind, flood, HOA or club dues and any special assessments as one monthly number.

Sample breakdownExample values, not a quote
$450,000 price · 20% down · 6.5% rate · 30 years
Mortgage (principal + interest)$2,275
Property taxes$675
Homeowners + wind$400
Flood insurance$100
HOA$0
Cape Coral UEP assessment$282
All-in monthly$3,733/mo

Estimates only. This calculator is a general tool, not financial, investment or lending advice, and results are not guaranteed. Confirm all numbers with your lender, insurance agent and the county.

How I help

One advisor. Four ways in.

Alejandro Muguercia, Broker Associate at Ace Realty & Associates
Meet Alejandro

Advisor first. Agent second.

I'm Alejandro Muguercia, Broker Associate with Ace Realty & Associates. I work with luxury buyers and sellers in Naples, and with buyers, sellers, investors and business owners across Bonita Springs, Estero, Fort Myers, Cape Coral and Lehigh Acres, plus Miami.

You'll get honest numbers and a clear plan before you sign anything.

Broker AssociateNaples luxuryResidential · Investment · Commercial
Monthly market report

SWFL by the numbers. Every month.

Prices, days on market and inventory for Naples, Bonita Springs, Estero, Fort Myers, Cape Coral and Lehigh Acres. Built from MLS data. Written by me.

See past reports on the blog
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Honest answers

Questions clients ask me

How much is flood insurance in Southwest Florida?

It depends on the flood zone, the home's elevation and the coverage you pick, so two houses on the same street can pay very different premiums. Get a quote on the actual address and ask for the elevation certificate before you offer. The monthly cost calculator shows where flood fits in the total. Run the monthly cost calculator.

What are Cape Coral utility assessments?

The Utilities Extension Project (UEP) brings city water, sewer and irrigation to parts of Cape Coral built on wells and septic. Owners in each area pay for it through a special assessment that shows up as a separate line on the tax bill, and any unpaid balance stays with the property when it sells. Ask the City for a payoff before you offer. How UEP assessments work.

What does gulf access mean?

A gulf-access canal connects to the river and the Gulf, so you can take a boat from your dock to open water. Some routes pass under bridges, which limits boat height, so listings say "sailboat access" when no fixed bridge is in the way. Freshwater canals do not connect to the Gulf: water views and fishing, no route out. Cape Coral guide.

What should I check before buying a condo in Naples?

Florida now requires milestone structural inspections and structural integrity reserve studies for condo buildings three stories or taller. Before you offer, ask the association for both, plus the current budget, the reserves and any special assessment that has been voted or proposed. Those documents tell you more about the monthly cost than the listing does.

How do I find out what my home is worth?

Start with recent sales of similar homes near yours, then adjust for what yours has that they did not: pool, seawall, roof age, updates. I pull the comps from the MLS, walk the house and give you a price range plus a net sheet that shows what you keep after closing costs. No obligation to list. Get your home value.

More straight answers on the blog