Home > Estero River Heights > 20520 Pine Tree Ln, Estero, FL 33928
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20520 Pine Tree Ln, Estero, FL 33928 - 3 Bedroom Home in Estero River Heights

$735,000

MLS Number
225083687
Bedrooms
3+Den
Bathrooms
2 Baths
Living Area
1,738 sq ft
Total Area
2,457 sq ft
Garage Spaces
2
Year Built
1997
Days on Market
12

home Property Description

Wake up to shimmering water views, spend your afternoons cruising the canals, and end each day watching crimson sunsets melt into the Gulf sky—this is waterfront living done right. Set along a Gulf-access canal with prized western exposure, this 3-bedroom plus den residence offers an authentic Florida lifestyle where the water is always within reach. 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 that feel straight out of a postcard. Designed for those who love life on the water, the home provides effortless boating access with a short, scenic ride to the open waters of Estero Bay and onward to Lovers Key State Park. Whether your passion is boating, kayaking, paddleboarding, fishing, or simply enjoying the rhythm of waterfront living, this location places it all at your doorstep. Inside, the home has been thoughtfully updated with a newer A/C, water heater, washer and dryer, luxury vinyl plank flooring throughout most of the home, hurricane impact windows, a storm-rated garage door, and a reverse-osmosis water system serving the kitchen. Outdoor living truly takes center stage here, with a fully fenced backyard offering ample space for a future pool, additional watercraft, or expanded entertaining areas. Unwind outdoors after a day on the water, or simply relax as the sun dips low and the sky ignites in dramatic shades of red, gold, and violet. From the back porch, the west-facing views create a nightly show that never gets old. The neighborhood is a rare coastal find with no HOA fees, while still offering a private boat ramp available to residents for optional use, 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 shopping, dining, and entertainment, this peaceful enclave delivers the freedom of waterfront living without the burden of mandatory association fees. 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.

fact_check The Basics

Property Type Single Family
Gulf Access Yes
Boat Access Boat Dock Private
Private Pool No
Private Spa No
Acres 0.376
Furnished Negotiable
Last Modified 1 week ago
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savings Financials & HOA Fees

Foreclosure No
Auction No
Short Sale No
Mandatory HOA No
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roofing Building Features

Building Style 1 Story/Ranch
Construction Materials Wood Frame, Vinyl Siding
Cooling Ceiling Fan(s), Central Electric
Covered Spaces 2
Elevator None
Floor Plan Great Room
Floors 1
Garage Spaces 2
Patio and Porch Deck, Patio
Other Structures Cabana, Storage
Rear Exposure West
Roof Metal
Security Features Smoke Detector(s)
Storm Protection Shutters - Manual
View Canal
Water Source Reverse Osmosis - Entire House, Well
Waterfront Features Canal Front
Window Features Window Coverings
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chair Interior Features

Appliances & Equipment Auto Garage Door, Dishwasher, Dryer, Microwave, Range, Refrigerator/Freezer, Reverse Osmosis, Smoke Detector, Washer, Water Treatment Owned
Interior Features Cathedral Ceiling(s), Pantry, Walk-In Closet(s), Window Coverings
Additional Rooms Den - Study, Laundry in Garage, Open Porch/Lanai
Kitchen Features Pantry
Flooring Tile, Wood
Gas No
Laundry In Garage
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holiday_village Neighborhood and Community

Pets Allowed Yes
Amenities Barbecue, Cabana, Community Boat Ramp, Park
Neighborhood Estero River Heights
Neighborhood Type Boating, Non-Gated
Community Features Park
Included in Fees Rec Facilities
HOA Restrictions None
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photo_library Additional Images

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Chris Farrugia, REALTOR Portrait

Chris Farrugia, M.B.A.

Realtor® at The Listing Naples Group

📞 (239) 248-8171
📧 chris@listingnaples.com

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The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations. Copyright 2026 Southwest Florida MLS organizations. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.

Listing provided by Realty World J. PAVICH R.E..

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