20520 Pine Tree LN

$684,900

  • 1738 sqft
  • 3 Beds
  • 2 Baths
  • 2 Garages

General Information

  • List Price : $684,900
  • City : ESTERO
  • Acres : 0.376
  • MLS Area : 2457
  • Status Type : Resale Property
  • Approx. Living Area : 1738
  • Furnished : Negotiable
  • Date Created : 2026-01-26
  • MLS Number : 225083687
  • State Or Province : FL
  • Subdivision : ESTERO RIVER HEIGHTS
  • County : Lee
  • Bedrooms : 3
  • Approx. Total Area : 2457
  • Year Built : 1997
  • Potential Short :
  • DOM : 162
  • Address : 20520 Pine Tree LN
  • Postal Code : 33928
  • Development : Array
  • Property Type : Residential
  • Bath Full : 2
  • Price per Sq Ft : $42
  • Property Id : 29-46-25-E4-05000.0100
  • Status : Active
  • CDOM : 162

Description

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.

Provided by Realty World J. PAVICH R.E.

Detailed Property Information

  • Ownership : Single Family
  • Waterfront Y/N : 1
  • Boat Access : Boat Dock Private
  • Cooling : Ceiling Fan(s), Central Electric
  • Kitchen : Pantry
  • Amenities : Barbecue, Cabana, Community Boat Ramp, Park
  • Restrictions : None
  • Building Design :
  • View : Canal
  • Waterfront Desc : Canal Front
  • Elementary School :
  • High School :
  • Floor Plan Type : Great Room
  • Private Pool Y/N :
  • Bedroom Desc : Master BR Ground, Split Bedrooms
  • Equipment : Auto Garage Door, Dishwasher, Dryer, Microwave, Range, Refrigerator/Freezer, Reverse Osmosis, Smoke Detector, Washer, Water Treatment Owned
  • Additional Rooms : Den - Study, Laundry in Garage, Open Porch/Lanai
  • Storm Protection : Shutters - Manual
  • Building Features :
  • Community Type : Boating, Non-Gated
  • Gulf Access Y/N : 1
  • Gulf Access Type : No Bridge(s)/Water Direct
  • Middle School :
  • Pets : Yes
  • Heating :
  • Windows : Window Coverings
  • Flooring : Tile, Wood
  • Private Spa Y/N :
  • Dining Desc : Breakfast Bar, Eat-in Kitchen
  • Exterior Features : Boat Dock Private, Open Porch/Lanai, Storage

Unit / Building Information

  • Unit Floor : 1
  • Unit Number :
  • Construction : Wood Frame
  • Total Floors : 1
  • Units in Building : 1
  • Elevator : None
  • Building Desc : 1 Story/Ranch
  • Units in Complex : 1
  • Roof : Metal

Lot Information

  • Rear Exposure : W
  • Range :
  • Sewer : Septic Tank
  • Lot Unit :
  • Section :
  • Irrigation : None
  • Block :
  • Township :
  • Water : Reverse Osmosis - Entire House, Well
  • Lot Desc : Corner Lot, Oversize

Financial Information

  • Condo Fee : 0
  • Approval :
  • Tax Year : 2024
  • Condo Fee Freq :
  • Management : Residents
  • Possession : Array
  • Tax Desc : ESTERO RIVER HEIGHTS UNIT 3 PB 25 PG 133 LOT 10
  • Maintenance : Rec Facilities

Additional Details

  • Amenities : Pantry
  • County Or Parish : Lee
  • Foreclosed REOYN :
  • Gulf Access YN : 1
  • Irrigation : None
  • Legal Unit :
  • Lot Type :
  • Management : Residents
  • Master HOA Fee Freq :
  • Original List Price : 735000
  • Parcel Number : 29-46-25-E4-05000.0100
  • Planned Use :
  • Postal Code Plus :
  • Property Type : Residential
  • Restrictions : None
  • Section :
  • Source of Measurements :
  • State Or Province : FL
  • Street Dir Prefix :
  • Street Number : 20520
  • Sub Condo Name :
  • Unit Number :
  • View : Canal
  • Waterfront YN : 1
  • CDOM : 162
  • Close Date :
  • Community Type : Boating, Non-Gated
  • Date Created : 2026-01-26
  • Full Address : 20520 Pine Tree LN
  • Last Change Timestamp : 2026-07-07T17:35:18.997Z
  • List Price : $684,900
  • Lot Unit :
  • Mandatory Club Fee Freq :
  • MLS Area Major : ES01 - Estero
  • Photo Count : 35
  • Possession : Array
  • Potential Short Sale YN :
  • Range :
  • Road :
  • Sewer : Septic Tank
  • Status : Active
  • Street Dir Suffix :
  • Subdivision Info : ESTERO RIVER HEIGHTS
  • Table : Residential
  • Township :
  • Water : Reverse Osmosis - Entire House, Well
  • Zoning Code: RSF
  • Association Mngmt Phone : (239) 495-9968
  • Boat Access : Boat Dock Private
  • Canal Width : $Canal Width 1-30
  • City : ESTERO
  • Condo Fee : 0
  • Condo Fee Freq :
  • Current Price : $684,900
  • DOM : 162
  • Elevation :
  • Gulf Access Type : No Bridge(s)/Water Direct
  • Master HOA Fee Freq : 0
  • Land Lease Fee Freq :
  • Last Change Type : Price Change
  • Legal Desc :
  • Maintenance : Rec Facilities
  • Mandatory HOA Y/N : 0
  • Matrix Modified DT : 2026-07-07T17:36:20.051Z
  • MLS Number : 225083687
  • Other PI Ds :
  • Photo Modification Timestamp : 2026-02-25T14:52:38.155Z
  • Postal Code : 33928
  • Price Per Acre : 1,821,543
  • Rear Exposure : W
  • Room Count :
  • Source of Measure Lot Dimensions :
  • Status Type : Resale Property
  • Street Name : Pine Tree
  • Street Suffix : LN
  • Tax Desc : ESTERO RIVER HEIGHTS UNIT 3 PB 25 PG 133 LOT 10
  • Tax Year : 2024
  • Trees :
  • Utilities Available :
  • Waterfront Desc :
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20520 Pine Tree LN

$684,900