20520 Pine Tree Ln Estero, FL 33928
Listing Courtesy of: SWFMLS / Listed By: Steve Bacardi, Coldwell Banker Realty; Mileivis Cancio, Naples Park Shore

  20520 Pine Tree Ln Estero, FL 33928

Active (0 Days)
$650,000 (USD)
3
BED
2
BATH
1,738
SQFT

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!

MLS #:
226034668
Taxes
$4,345(2025)
Lot Size
0.38 acres
Type
Single-Family Home
Year Built
1997
Style
Ranch, Single Family
Views
Landscaped Area, Canal
County
Lee County
Community
Estero River Heights

Listed By

Steve Bacardi, Coldwell Banker Realty
Mileivis Cancio, Coldwell Banker Realty
Source
SWFMLS
Last checked Oct 7 2026 at 5:28 AM GMT+0000
Bathroom Details
  • Full Bathrooms: 2
Interior Features
  • Dishwasher
  • Microwave
  • Range
  • Washer
  • Dryer
  • Water Treatment Owned
  • Reverse Osmosis
  • Refrigerator/Freezer
  • Electric Cooktop
  • Walk-In Closet(s)
  • Pantry
  • Smoke Detectors
  • Window Coverings
  • Windows: Window Coverings
  • Laundry: In Garage
  • Cathedral Ceiling(s)
Subdivision
  • Estero River Heights
Lot Information
  • Irregular Lot
Heating and Cooling
  • Central Electric
  • Ceiling Fan(s)
Homeowners Association Information
  • Dues: $253
Flooring
  • Tile
  • Wood
Exterior Features
  • Roof: Metal
Utility Information
  • Sewer: Septic Tank
Garage
  • Attached Garage
Parking
  • Attached
  • Total: 2
Stories
  • 1
Living Area
  • 1,738 sqft
Location
   
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Disclaimer: Copyright 2026 Southwest Florida MLS (SWFMLS). All rights reserved. This information is deemed reliable, but not guaranteed. The information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated 10/6/26 22:28