New Listing
$650,000
 $3,489 est/mo Sourced by Back At You

20520 Pine Tree Ln,ESTERO, FL 33928

ESTERO, FL 33928

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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!

Details

MLS #226034668
Listing TypeFor Sale
StyleHouse
HOA Dues$253
Sub-TypeResale
StatusActive
Year1997
Days On Site2
Listing Provided ByColdwell Banker Realty | Steve Bacardi, LLC

Features

Bed(s)3
Bath(s) 2 Total
SQ Feet1,738
Garage2
Story(s)1
Units1
ZoningRSF
Acreage0.38
Water FrontYes
Property ViewYes

Interior

Cooling Yes / NoYes
CoolingCeiling Fan(s), Central Electric
Heating Yes / NoYes
HeatingCentral Electric
Interior FeaturesCathedral Ceiling(s), Pantry, Smoke Detectors, Walk-In Closet(s), Window Coverings
Window FeaturesWindow Coverings
FurnishedUnfurnished
AppliancesElectric Cooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator/Freezer, Reverse Osmosis, Washer, Water Treatment Owned
Fireplace Yes / NoNo
Laundry FeaturesIn Garage
Room Dining Room FeaturesBreakfast Bar, Eat-in Kitchen

Exterior

Exterior FeaturesBoat Dock Private, Open Porch/Lanai
RoofMetal
Security FeaturesSmoke Detector(s)
Construction MaterialsWood Frame
Lot FeaturesIrregular Lot
Patio And Porch FeaturesDeck, Patio

Parking

Garage Yes / NoYes
Attached Garage Yes / NoYes
Parking FeaturesAttached

Utilities

SewerSeptic Tank

Location

Community FeaturesPark

Taxes

Tax Annual Amount4345.29
Tax Legal DescriptionESTERO RIVER HEIGHTS UNIT 3 PB 25 PG 133 LOT 10
Tax Year2025

Area Information

StateFL
CountyLee
CityESTERO
Zip Code33928
AreaESTERO RIVER HEIGHTS
Community NameESTERO RIVER HEIGHTS
Listing VS Median (in ESTERO RIVER HEIGHTS)
Price:
$650,000
low | high
Med:
$650,000
50% of Average
sqft:
1,738
low | high
Med:
1,738
50% of Average
$ / sqft:
$374
low | high
Med:
$374
50% of Average
On site:
2
low | high
Med:
2
100% of Average
Sourced by Back At You

Market Activity 33928

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Learn More About This Property

StateFL
CountyLee
CityESTERO
Zip Code33928
AreaESTERO RIVER HEIGHTS
Community NameESTERO RIVER HEIGHTS
Listing VS Median (in ESTERO RIVER HEIGHTS)
Price:
$650,000
low | high
Med:
$650,000
50% of Average
sqft:
1,738
low | high
Med:
1,738
50% of Average
$ / sqft:
$374
low | high
Med:
$374
50% of Average
On site:
2
low | high
Med:
2
100% of Average
Sourced by Back At You
Listing Updated: October 6, 2026 at 4:34:10 PM PDT