20520 Pine Tree LN, ESTERO
Single Family Residence
$600,000
▼ $50,000 (8%)3
Beds
2
Baths
1,738
Sqft
Est. $3,693/mo · Get pre-qualified
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!
16 days on market · Listing updated October 20, 2026
Location
Facts & Features
- Interior Features:
- Great Room, Den - Study, Guest Bath, Guest Room, Cathedral Ceiling(s), Pantry, Walk-In Closet(s)
- Appliances:
- Electric Cooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator/Freezer, Reverse Osmosis, Washer, Water Treatment Owned
- Flooring:
- Tile, Wood
- Laundry:
- In Garage
- Primary Bathroom:
- Combo Tub And Shower
- Kitchen:
- Pantry
- Dining Room:
- Breakfast Bar, Eat-in Kitchen
- Heating:
- Central Electric
- Cooling:
- Ceiling Fan(s), Central Electric
- Utilities:
- Cable Available
- Sewer:
- Septic Tank
- Water Source:
- Reverse Osmosis - Entire House, Well
- Security:
- Smoke Detector(s), Smoke Detectors
- Exterior Features:
- Dock, Room for Pool
- Construction:
- Wood Frame
- Roof:
- Metal
- Patio / Porch:
- Open Porch/Lanai, Deck, Patio
- Fencing:
- Fenced
- View:
- Canal, Landscaped Area
- Waterfront:
- No Bridge(s)/Water Direct, Canal Front, Pond
- Direction Faces:
- East
- Lot Features:
- Irregular Lot
- Irrigation:
- None
- Road Surface:
- Paved
- Road Frontage:
- Public Road
- Road Maintenance:
- County Maintained
- Parking:
- 2+ Spaces, Garage Door Opener, Attached
- Garage Spaces:
- 2
- Windows:
- Bay Window(s), Picture, Single Hung, Shutters - Manual, Window Coverings
- Community Features:
- BBQ - Picnic, Cabana, Community Boat Ramp, Park, Boating, Non-Gated
- Subdivision:
- ESTERO RIVER HEIGHTS
- Zoning:
- RSF
- Annual Taxes:
- $4,345
- Pets Allowed:
- No Approval Needed
- Furnished:
- Unfurnished
- Possession:
- Close Of Escrow
- Listing Terms:
- Buyer Finance/Cash, FHA, VA Loan
Price History
| Date | Event | Price |
|---|---|---|
| Oct 20, 2026 | Price change | $600,000 |
| Oct 6, 2026 | Original list price | $650,000 |
Reflects listing data on file, not a complete transaction history.
Listed by Steve Bacardi, LLC, Coldwell Banker Realty
Co-listed by Mily Cancio, Coldwell Banker Realty
The data relating to real estate for sale displayed on this Website comes in part from the Multiple Listing Service of the Bonita Springs-Estero Association of REALTORS®, Inc., under License No. BK3468074. Properties displayed on this Website include properties listed with brokerage firms other than Sands Real Estate & Property Management. Detailed information about such properties includes the name of the brokerage firm with which the seller has listed the property. The properties displayed may not be all the properties listed with brokerage firms participating in the Bonita Springs-Estero Association of REALTORS® Multiple Listing Service, or contained in the database compilation of the Bonita Springs-Estero Association of REALTORS® Multiple Listing Service.