Cape Coral is great climate wise(and generally!!!!)and most tropicals can be grown there. 45F is the usual low they get for a few nights a year and last winter i remember it got arround 35F there. The vast majority of tropical palms and plants can be grown there with the exception of some extreemely cold sensitive species like Pigafetta sp. which although they do can be grown most years,when it goes 35-40F they are out....From what i know,only the Keys are classified as trully tropical in FL.
Btw,Cocos nucifera grows no problem in Cape Coral and much farther north of it! From Orlando and South,all coastal areas can grow it and the cool tolerant variants like Jamaican Tall and Panama Tall can even survive in inland locations. The more cold sensitive varieties survive with just some protection in the worst years.
Enjoy your climate Amber and grow lots,lots lots of palms,cycads,tropical trees and bananas!
