- Overview
- Description
- Property Details
- Location
- HOA Management
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$600,000
Monthly Est:$2,986
3 Beds
- 2 Baths
2 full baths
1,738sqft
20520 Pine Tree Ln, Estero, FL 33928
$600,000
$2,986/moEst:
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Single Family Residence
Built in 1997
$21.08/mo HOA
0.38 acre lot
$345/sq.ft
Description
One or more photo(s) has been virtually staged, AI generated or rendered. "SALTLIFE" FISHING-BOATING-SUNSHINE! OLDE FLORIDA STYLE, UPGRADED ($100,000+/-) "COASTAL" 3 BEDROOM, DEN, 2 BATH COTTAGE (W/ NO WATER INTRUSION AFTER ANY HURRICANE)! Wake up to shimmering water views, MANATEES & DOLPHINS playing in your back yard, spend your afternoons boating & fishing, and end each day watching STUNNING sunsets!—THIS IS AFFORDABLE, LUXURY GULF-ACCESS WATERFRONT LIVING. With 10' ceilings, open floor plan, all "WOOD PLANK" vinyl flooring for total easy maintenance and plenty of glass windows and sliders, makes the home LIGHT-BRIGHT-SUNNY, all year round. ALL WINDOWS ARE "IMPACT" STORM RESISTANT, for total buyer comfort from hurricanes and storms. (flood insurance is only $1,800 and transferable). Perfectly positioned at the end of the canal and surrounded by the natural beauty of Estero Bay preserve land, the setting delivers exceptional privacy, peaceful surroundings, and unobstructed sunset views and comes with a PRIVATE BOAT RAMP. Designed for those who love life on the water and provides boating access with a short, scenic ride to the open waters of Estero Bay and onward to Lovers Key State Park and the Gulf. Inside, the home has been thoughtfully updated, Wayne's Coating in the dining room, upgraded "Hardy Board" finished sidings, newer A/C, water heater, washer and dryer, luxury vinyl, a storm-rated garage door, and a reverse-osmosis water system serving the kitchen. Outdoor living truly takes center stage here, with the "OLD FLORIDA" Rocking Chair Front Porch, fully fenced backyard (1/3 ACRE) offering lots of open space for kids playground, a future pool, additional watercraft, or expanded entertaining areas. From the back porch, the west-facing views create a nightly SKY show that never gets old. THIS HIDDEN GEM OF A COMMUNITY IS CENTRALLY LOCATED, CLOSE TO ALL WITH NO HOA FEES AND A COMMUNITY PRIVATE BOAT RAMP FOR RESIDENTS, along with a centrally located community park featuring a gazebo, basketball courts, BBQ grills, and a baseball diamond. Homeowners and flood insurance are assumable, adding additional value and peace of mind. Just minutes from MAJOR SHOPPING, A-RATED SCHOOLS, CHURCHES, HOSPITALS, RESTAURANTS AND THE BEST OF SOUTHWEST FLORIDA ENTERTAINMENT VENUES. Bring your boat, your sense of adventure, and your love for the water—this is more than a home, it’s a lifestyle defined by sunsets, serenity, and the unmistakable magic of Florida waterfront living. HOME COMES WITH A ONE YEAR "HOME WARRANTY" FOR TOTAL BUYER COMFORT!
Hurry, this home will not last long!
- Houzeo last checked: 8 hours ago
- Listing updated: October 20, 2026 at 6:12 pm
- Listing Provided by: Steve Bacardi, LLC (239) 272-2387 DRE #279501177, Mily Cancio (239) 465-2126 DRE #249514338 | Coldwell Banker Realty (239) 263-3300
- Source: Florida Gulf Coast MLS, Fort Myers-FL | MLS#: 226034668

Property Details
Status
Active
Type
Single Family Residence
No. of Stories
1
County
City
Neighborhood
--
Year Built
1997
HOA Fees
$21.08/mo
Finished Area
1,738 sqft
Lot Size
0.38 acre lot
Basement Area
- sqft
MLS Name
Florida Gulf Coast MLS, Fort Myers
MLS Number
226034668
MLS Status
Active
Days on Market
17
Cumulative Days on Market
14

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Location
HOA Management
N/A
HOA Fees
$253/ Annually
Amenities
Amenities and services may be covered by one or multiple associations and service providers.
Park Playground
deck
Barbecue
RecreationFacilities
PicnicArea
Cabana
Disclaimer: Amenities are based on third-party information and may vary; buyers must independently verify all amenities, as information is deemed reliable but not guaranteed.
Facts & Features
Rooms
Bedrooms & bathrooms
Bedrooms: 3
Bathrooms: 2
Interior
Heating
Central, Electric
Flooring
Tile, Wood
Window Features
Bay Windows, Display Windows, Single Hung, Window Coverings
Exterior Features
Deck, Fence, Patio, Room For Pool, Shutters Manual
Sewer
Septic Tank
Cooling
Central Air, Ceiling Fans, Electric
Interior Features
Breakfast Bar, Bedroom On Main Level, Cathedral Ceilings, Eat In Kitchen, Main Level Primary, Pantry, Tub Shower, Walk In Closets, Window Treatments
Appliances
Dryer, Dishwasher, Electric Cooktop, Freezer, Microwave, Range, Refrigerator, Water Purifier, Washer
Construction
Year Built
Year Built: 1997
Home type
Single Family Residence
Property Condition
Resale
Roof
Metal
Architectural Style
Ranch, One Story
Construction Materials
Other, Wood Frame
Utilities & Energy
Water Source
Well
Association Amenities
Boat Ramp, Cabana, Barbecue, Picnic Area, Park
Laundry Features
In Garage
Security Features
Smoke Detectors
Utilities
Cable Available, High Speed Internet Available
Parking Features
Attached, Garage, Two Spaces, Garage Door Opener
Other Features
Community Features
Boat Facilities, Non Gated
Patio And Porch Features
Deck, Open, Patio, Porch
Disclosures
Owner Has Flood Insurance
Subdivision Name
Estero River Heights
Lot Features
Irregular Lot, Pond On Lot
Price History
| Date | Event | Price |
|---|---|---|
10/06/2026 Source: | Price Increased | $650,000 +8.33% $374/sqft |
10/06/2026 Source: | Price Decreased | $600,000 -12.40% $345/sqft |
07/07/2026 Source: | Price Decreased | $684,900 -2.14% $394/sqft |
04/24/2026 Source: | Price Change | $699,900 $403/sqft |
01/26/2026 Source: | Listed for Sale | $699,900 -3.46% $403/sqft |
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Based on information from the Florida Gulf Coast Multiple Listing Service, Inc. through Oct 23, 2026, 01:30PM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information provided is deemed reliable but is not guaranteed and should be independently verified. Some IDX listings have been excluded from this website. © 2026 Florida Gulf Coast Multiple Listing Service - All Rights Reserved.
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