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

$650,000

MLS Number
226034668
Bedrooms
3+Den
Bathrooms
2 Baths
Living Area
1,738 sq ft
Total Area
2,218 sq ft
Garage Spaces
2
Year Built
1997
Days on Market
5

Property 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!

Virtual Tour

The Basics

Property Type Single Family
Gulf Access Yes
Boat Access Boat Dock Private
Private Pool No
Private Spa No
Acres 0.376
Furnished Unfurnished
Last Modified 4 days ago

Financials & HOA Fees

Foreclosure No
Auction No
Short Sale No
Mandatory HOA No
HOA Fee $253 annually

Building Features

Building Style 1 Story/Ranch
Construction Materials Wood Frame
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
Rear Exposure West
Roof Metal
Security Features Smoke Detector(s)
Storm Protection Shutters - Manual
View Canal, Landscaped Area
Water Source Reverse Osmosis - Entire House, Well
Waterfront Features Canal Front
Window Features Window Coverings

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Interior Features

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

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/Other

Additional Images

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 Coldwell Banker Realty.

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