For Sale
Price CutPrice Drop: $50K (10/06)
Single family home for sale at 20520 Pine Tree Ln, Estero, FL 33928 | MLS# 226034668 | Listing updated on 2026-10-20
Photo 1 of Single family home for sale at 20520 Pine Tree Ln, Estero, FL 33928 | MLS# 226034668 | Listing updated on 2026-10-20
Photo 2 of Single family home for sale at 20520 Pine Tree Ln, Estero, FL 33928 | MLS# 226034668 | Listing updated on 2026-10-20
Photo 3 of Single family home for sale at 20520 Pine Tree Ln, Estero, FL 33928 | MLS# 226034668 | Listing updated on 2026-10-20
Photo 4 of Single family home for sale at 20520 Pine Tree Ln, Estero, FL 33928 | MLS# 226034668 | Listing updated on 2026-10-20
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$600,000

Monthly Est:$2,986

  • Beds Icon3 Beds
  • Beds Icon
    2 Baths
  • Beds Icon1,738sqft

20520 Pine Tree Ln, Estero, FL 33928

$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 Florida Gulf Coast MLS, Fort Myers-FL

Property Details

  • Status

    Active

  • Type

    Single Family Residence

  • No. of Stories

    1

  • County

    Lee County

  • City

    Estero

  • 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 Park Playground

deck deck

Barbecue Barbecue

RecreationFacilities RecreationFacilities

PicnicArea PicnicArea

Cabana 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

DateEventPrice

10/06/2026

Source: mls_logoFlorida Gulf Coast MLS, Fort Myers-FL #226034668

Price Increased

$650,000 +8.33%

$374/sqft

10/06/2026

Source: mls_logoFlorida Gulf Coast MLS, Fort Myers-FL #226034668

Price Decreased

$600,000 -12.40%

$345/sqft

07/07/2026

Source: mls_logoFlorida Gulf Coast MLS, Fort Myers-FL #225083687

Price Decreased

$684,900 -2.14%

$394/sqft

04/24/2026

Source: mls_logoFlorida Gulf Coast MLS, Fort Myers-FL #225083687

Price Change

$699,900

$403/sqft

01/26/2026

Source: mls_logoFlorida Gulf Coast MLS, Fort Myers-FL #225083687

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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