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$684,900 -$15,000 (-2.14%) Price Reduced

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 2 Full Baths
  • 1,738 Sq. Ft.
  • Updated 1 hour ago
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One or more photo(s) has been virtually staged, AI generated or rendered. NO WATER INTRUSTION AFTER ANY HURRICANE! 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.

Full Property Details for 20520 Pine Tree Ln

General

  • Price: $684,900
  • Taxes: (2024)
  • Status: Active
  • Type: Single Family
  • Source: Bonita_Springs
  • MLS ID: 225083687
  • Updated: 7/7/2026
  • Added to Site: 162 day(s) ago

Interior

  • Interior Features: Split Bedrooms, Great Room, Den - Study, Cathedral Ceiling(s), Pantry, Walk-In Closet(s)
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator/Freezer, Reverse Osmosis, Washer, Water Treatment (Owned)
  • Furnishings: Negotiable
  • Flooring: Tile, Wood

Rooms

Bathrooms

  • Total Bathrooms: 2
  • Full Bathrooms: 2
  • Primary Bathroom: Combo Tub And Shower

Bedrooms

  • Total Bedrooms: 3
  • Primary Bedroom: Master BR Ground

Other Rooms

  • Kitchen: Pantry
  • Dining Room: Breakfast Bar, Eat-in Kitchen
  • Laundry: In Garage

Additional Information

  • Shared Amenities: Barbecue (Picnic), Cabana, Community Boat Ramp, Park, Boating, Non-Gated
  • Security/Safety: Smoke Detector(s)

Exterior

  • Exterior Features: Dock, Room for Pool, Storage
  • Porch/Patio/Deck: Open Porch/Lanai, Deck, Patio

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Garage Spaces: 2
  • Covered Spaces: 2
  • Parking Features: 2+ Spaces, Driveway Paved, Garage Door Opener, Attached

Location

  • Area: ES01 - Estero
  • County: Lee
  • Subdivision: ESTERO RIVER HEIGHTS
  • Building Name: ESTERO RIVER HEIGHTS
  • Direction Faces: East

Community

  • Association: Yes
  • Assoc. Fees Include: Rec Facilities
  • Units Assoc/Comm: 1
  • Pets Allowed: Yes
  • Management Type: Residents

Heating & Cooling

  • Air Conditioning: Yes
  • Cooling Type: Ceiling Fan(s), Central Electric
  • Heating Type: Central Electric

Utilities

  • Sewer: Septic Tank
  • Water: Reverse Osmosis - Entire House, Well
  • Cable Available: Yes
  • Utility Description: Cable Available

Structural Information

  • Description/Design: Single Family Residence
  • Exterior Const.: Wood Frame
  • Roof: Metal
  • Windows: Single Hung, Shutters - Manual, Window Coverings
  • Entry Floor Number: 1
  • Stories/Levels: 1
  • Stories in Building: 1
  • Square Feet: 1,738
  • Sq. Ft. Source: Property Appraiser Office
  • Living Area: 1,738 Sq. Ft.
  • Year Built: 1997

Lot Features

  • Property View: Canal
  • Lot Size (Acres): 0.376
  • Lot Size (Sq. Ft.): 16,378
  • Lot Size Source: Property Appraiser Office
  • Lot Dimensions: 123 x 70 x 146 x 198
  • Frontage Feet: 123
  • Irrigation System: None
  • Lot Features: Corner Lot, Oversize
  • Zoning: RSF
  • Lot Description: Corner Lot, Oversize

Water Features

  • Water Front: Yes
  • Gulf Access: Yes
  • Water Front Desc.: No Bridge(s)/Water Direct, Canal Front, Pond
  • Canal Width: Canal Width 1-30
  • Boat Dock Slip: Yes

Financial Considerations

  • Tax Year: 2024
  • Terms: Buyer Finance/Cash

Disclosures and Reports

  • Ownership: Single Family
  • Legal Description: ESTERO RIVER HEIGHTS UNIT 3 PB 25 PG 133 LOT 10
  • Property ID: 29-46-25-E4-05000.0100
  • Section: 29
  • Lot Number: 10

Listed by Realty World J. PAVICH R.E.

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Listing agent

— 20520 Pine Tree Ln —

  • Realty World J. PAVICH R.E.

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 20520 Pine Tree Ln

School District:Lee County School District, Fort Myers, FL
NameGradesDistance
Three Oaks Elementary School
19600 Cypress View Drive, Fort Myers, FL 33967
K-52.6 mi
San Carlos Park Elementary School
17282 Lee Road, Fort Myers, FL 33967
K-53.4 mi
Pinewoods Elementary School
11900 Stoneybrook Golf Drive, Estero, FL 33928
K-54.7 mi
Lexington Middle School
16351 Summerlin Road, Fort Myers, FL 33908
6-86.3 mi
Cypress Lake Middle School
8901 Cypress Lake Drive, Fort Myers, FL 33919
6-88.3 mi
Estero High School
21900 River Ranch Road, Estero, FL 33928
9-122.7 mi
Bonita Springs High School
25592 Imperial Parkway, Bonita Springs, FL 34135
9-126.6 mi
South Fort Myers High School
14020 Plantation Road, Fort Myers, FL 33912
9-126.8 mi
Spring Creek Elementary School
25571 Elementary Way, Bonita Springs, FL 34135
K-55.3 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 20520 Pine Tree Ln Get Price Alerts and Save Property

Date
Details
Price
Change
Source
7/07/2026
Price Reduced
$684,900
-2.14%
MLS
4/24/2026
Price Reduced
$699,900
-3.46%
MLS
3/01/2026
Price Reduced
$725,000
-1.36%
MLS
1/26/2026
Listed
$735,000
33.64%
MLS
9/27/2021
Sold
$550,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 20520 Pine Tree Ln

Year
Property Taxes
Change
Tax Assessment
Change
2025
$4,345
-13%
$347,136
-13%
2024
$4,997
-22%
$399,873
-21%
2023
$6,392
216%
$505,603
25%
2021
$2,021
-68%
$404,049
-18%
2022
$6,349
214%
$490,877
206%
2021
$2,021
—
$160,210
—
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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NMLS#: 1598647

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Listed by Realty World J. PAVICH R.E.

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20520 Pine Tree Ln, Estero, FL 33928 (MLS# 225083687) is a Single Family property with 3 bedrooms and 2 full bathrooms. 20520 Pine Tree Ln is currently listed for $684,900 and was received on January 26, 2026. Want to learn more about 20520 Pine Tree Ln? Do you have questions about finding other Single Family real estate for sale in Estero? You can browse all Estero real estate or contact a Coldwell Banker agent to request more information.

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