$600,000
- 3 Beds
- 2 Baths
- 1,738 sqft (on 0.38 acres)
20520 Pine Tree LN, Estero, FL 33928
Est. Mortgage $3,912/mo*
Get Pre-QualifiedHome Highlights
Single-Family Home
Built in 1997
0.38 acre lot
$345/sqft
2 Car Garage
HOA $21/mo
Local Information
-- mins to
About this House
What's unique:Storm-rated garage doorOpen floor planStunning sunsetsWasher and dryerWater heaterPrivate boat ramp
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!
Last check for updates: about 6 hours ago
Listing courtesy of Steve Bacardi, LLC, (239) 272-2387
Coldwell Banker Realty
Mily Cancio, (239) 465-2126
Coldwell Banker Realty
Originating MLS: Naples
Source: SWFLMLS, MLS#226034668

Home Details for 20520 Pine Tree LN
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Interior Details Number of Rooms: 3Types of Rooms: Bedroom, Dining Room, Kitchen |
Beds & Baths Number of Bedrooms: 3Number of Bathrooms: 2Number of Bathrooms (full): 2 |
Dimensions and Layout Living Area: 1738 Square Feet |
Appliances & Utilities Appliances: Electric Cooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator/Freezer, Reverse Osmosis, Washer, Water Treatment OwnedDishwasherDryerLaundry: In GarageMicrowaveWasher |
Heating & Cooling Heating: CentralHas CoolingAir Conditioning: Ceiling Fan(s),Central AirHas HeatingHeating Fuel: Central |
Fireplace & Spa No FireplaceNo Spa |
Windows, Doors, Floors & Walls Window: Window Coverings, Shutters - ManualFlooring: Tile, Wood |
Levels, Entrance, & Accessibility Stories: 1Number of Stories: 1Floors: Tile, Wood |
View Has a ViewView: Canal, Landscaped Area |
Security Security: Smoke Detector(s) |
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Exterior Home Features Roof: MetalPatio / Porch: Deck, Patio, Open Porch/LanaiFencing: FencedOther Structures: CabanaExterior: DockNo Private Pool |
Parking & Garage Number of Garage Spaces: 2Number of Covered Spaces: 2No CarportHas a GarageHas an Attached GarageParking Spaces: 2Parking: Attached |
Frontage WaterfrontWaterfront: Canal FrontResponsible for Road Maintenance: Public Maintained RoadRoad Surface Type: PavedOn Waterfront |
Water & Sewer Sewer: Septic Tank |
Farm & Range Not Allowed to Raise Horses |
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Days on Market: 36 |
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Year Built Year Built: 1997 |
Property Type / Style Property Type: ResidentialProperty Subtype: Single Family ResidenceStructure Type: HouseArchitecture: Ranch |
Building Construction Materials: FrameNot a New Construction |
Property Information Parcel Number: 294625E405000.0100 |
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Price List Price: $600,000Price Per Sqft: $345 |
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MLS Status: Contingent Inspection |
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Direction & Address City: ESTEROCommunity: ESTERO RIVER HEIGHTS |
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Listing Agent Listing ID: 226034668 |
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Building Area Building Area: 2218 Square Feet |
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Community Features: Park, Boating, Non-GatedNot Senior Community |
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Association for this Listing: NaplesNo HOAHOA Fee: $253/Annually |
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Lot Area: 0.38 acres |
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Contingencies: Inspection |
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Mls Number: 226034668Water ViewWater View: Canal |
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HOA Amenities: Barbecue,Cabana,Community Boat Ramp,ParkSource Internet Entire Listing Display |
Price and Tax history
| Date | Event | Price |
|---|---|---|
Nov 10, 2026 Source: SWFLMLS #226034668 | Pending | $600,000 |
Oct 20, 2026 Source: SWFLMLS #226034668 | PriceChange | $600,000 Price decreased by 8% |
Oct 6, 2026 Source: SWFLMLS #226034668 | Listed For Sale | $650,000 |
Sep 22, 2026 Source: Zillow Rentals | ListingRemoved | $3,550 |
Sep 22, 2026 Source: Zillow Rentals | PriceChange | $3,550 Price decreased by 5% |
Sep 18, 2026 Source: Zillow Rentals | PriceChange | $3,725 Price decreased by 4% |
Sep 14, 2026 Source: Zillow Rentals | PriceChange | $3,895 Price decreased by 5% |
Aug 31, 2026 Source: Zillow Rentals | Listed For Rent | $4,095 |
Jul 21, 2026 Source: SWFLMLS #225083687 | ListingRemoved | $684,900 |
Jul 7, 2026 Source: SWFLMLS #225083687 | PriceChange | $684,900 Price decreased by 2% |
Apr 24, 2026 Source: SWFLMLS #225083687 | PriceChange | $699,900 Price decreased by 3% |
Mar 1, 2026 Source: SWFLMLS #225083687 | PriceChange | $725,000 Price decreased by 1% |
Jan 26, 2026 Source: SWFLMLS #225083687 | Listed For Sale | $735,000 |
Sep 27, 2021 Source: Florida Gulf Coast MLS #221058412 | Sold | $550,000 |
Aug 13, 2021 Source: Florida Gulf Coast MLS #221058412 | Pending | $550,000 |
Aug 11, 2021 Source: Florida Gulf Coast MLS #221058412 | Listed For Sale | $550,000 |
May 5, 2021 Source: SWFLMLS #221032986 | ListingRemoved | |
May 3, 2021 Source: SWFLMLS #221032986 | Pending | $500,000 |
May 3, 2021 Source: SWFLMLS #221032986 | Listed For Sale | $500,000 |
Apr 19, 2021 Source: SWFLMLS #221005353 | ListingRemoved | |
Apr 1, 2021 Source: SWFLMLS #221005353 | PriceChange | $485,000 Price decreased by 3% |
Feb 1, 2021 Source: SWFLMLS #221005353 | Listed For Sale | $500,000 |
| Year | Property tax | Tax assessment |
|---|---|---|
| 2025 | $4,345 | $347,136 |
Home facts updated by county records
Around this home
What Locals Say about Estero
At least 212 Trulia users voted on each feature.
88 % Say it's dog friendly
87 % Say car is needed
82 % Say parking is easy
75 % Say it's quiet
75 % Say people would walk alone at night
67 % Say there are sidewalks
67 % Say there's holiday spirit
65 % Say streets are well-lit
56 % Say there's wildlife
56 % Say they plan to stay for at least 5 years
52 % Say kids play outside
50 % Say neighbors are friendly
50 % Say yards are well-kept
43 % Say it's walkable to restaurants
42 % Say it's walkable to grocery stores
40 % Say there are community events
Sourced by Trulia users. Learn more about our methodology.
Market trends in Estero
Last updated October 2026
Avg. sale price
$510K
$8.37KMoM
Sale-to-List Price
96.0%
0.2%MoM
Price per sq ft
$250
$5MoM
Available listings
582
52MoM
Sourced by Trulia Market Trends
Home Value
Trulia Estimate
$575KSince last month
Decreased$76K (-11.7%)Since last year
Decreased$9K (-1.5%)Since last sale
Increased$25K (+4.6%)Learn more about this home's value by checking out its Trulia Estimate, the value of nearby homes, and how much similar homes have sold for.
Trulia Estimate
The of this home's value increased by +57% in the last 10 years
| Month | Estimated value |
|---|---|
2026 | |
| November 2026 | $575K |
| October 2026 | $579K |
| September 2026 | $651K |
| August 2026 | $651K |
| July 2026 | $654K |
| June 2026 | $666K |
| May 2026 | $667K |
| April 2026 | $669K |
| March 2026 | $692K |
| February 2026 | $701K |
| January 2026 | $723K |
2025 | |
2024 | |
2023 | |
2022 | |
2021 | |
2020 | |
2019 | |
2018 | |
2017 | |
2016 | |
Comparable sales
These are recently sold homes that have a similar location or other similar features to this home, like bedrooms, bathrooms, and square footage. Get a sense of the expected prices in the area by viewing these homes.Address | Distance | Property Type | Sold Price | Sold Date | Bed | Bath | Sqft |
|---|---|---|---|---|---|---|---|
0.08 | Single-Family Home | $625,000 | 04/13/26 | 3 | 2 | 1,733 | |
0.14 | Single-Family Home | $495,000 | 05/08/26 | 3 | 2 | 1,976 | |
0.11 | Single-Family Home | $410,000 | 10/06/26 | 2 | 2 | 1,526 | |
0.23 | Single-Family Home | $650,000 | 08/13/26 | 3 | 2 | 2,240 | |
0.36 | Single-Family Home | $517,500 | 07/14/26 | 3 | 2 | 1,613 | |
0.06 | Single-Family Home | $775,000 | 05/18/26 | 4 | 3 | 2,526 | |
0.17 | Single-Family Home | $1,075,000 | 08/11/26 | 3 | 2 | 2,811 | |
0.38 | Single-Family Home | $390,000 | 05/08/26 | 3 | 2 | 1,300 | |
0.31 | Single-Family Home | $375,000 | 05/18/26 | 2 | 2 | 1,368 | |
0.30 | Single-Family Home | $399,000 | 05/12/26 | 2 | 2 | 1,530 |
Nearby home prices
Get a sense of expected prices in the area by checking the value of nearby homes.Address | Distance | Price | Bed | Bath | Sqft | Status |
|---|---|---|---|---|---|---|
0.02 | $861,600 | 2 | 2.5 | 2,235 | Off Market | |
0.02 | $486,600 | 3 | 2.5 | 2,072 | Off Market | |
0.04 | - | 3 | - | 1,828 | Off Market | |
0.04 | $672,900 | 3 | 2 | 1,677 | Off Market | |
0.04 | $431,600 | 3 | 2 | 1,684 | Off Market | |
0.04 | $1,011,400 | 3 | 3 | 3,036 | Off Market | |
0.05 | $511,500 | 3 | 3 | 1,733 | Off Market | |
0.06 | $775,000 | 4 | 3 | 2,526 | Recently Sold | |
0.06 | $360,500 | 3 | 2 | 1,400 | Off Market | |
0.06 | $1,148,100 | 4 | 3 | 2,940 | Off Market | |
0.07 | $499,800 | 3 | 2.5 | 2,107 | Off Market | |
0.08 | $594,400 | 3 | 2 | 1,662 | Off Market | |
0.08 | $624,700 | 3 | 2 | 2,247 | Off Market | |
0.08 | $625,000 | 3 | 2 | 1,733 | Recently Sold | |
0.08 | - | - | - | - | Off Market | |
0.08 | $354,000 | 3 | 2 | 1,614 | Off Market | |
0.09 | $635,900 | 3 | 2 | 1,858 | Off Market | |
0.09 | - | - | - | - | Off Market | |
0.10 | $809,400 | 3 | 3 | 2,916 | Off Market | |
0.10 | $386,800 | 2 | 2 | 1,508 | Off Market |
LGBTQ Local Legal Protections
LGBTQ Local Legal Protections
Steve Bacardi, LLC, Coldwell Banker Realty
Agent Phone: (239) 272-2387

The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS. Copyright 2026 Southwest Florida MLS. 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.
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Frequently asked questions about 20520 Pine Tree LN
- What is the estimated monthly payment for 20520 Pine Tree LN?Based on a $600,000 list price with 20% down at today's rates, the estimated monthly payment for 20520 Pine Tree LN in Estero, FL is approximately $4,055 (about $3,280 principal & interest, $700 property taxes, and $75 homeowner's insurance). This is an estimate. Actual payment depends on your loan terms.
- How does the list price for 20520 Pine Tree LN compare to homes in Estero?20520 Pine Tree LN in Estero, FL is listed at $600,000, about 18% above the $510K median sale price in Estero.
- What do residents say about Estero?Residents describe Estero, FL as dog-friendly, easy to park in, and quiet. Most residents say you need a car. See homes for sale in Estero, FL.
- What are the closest schools to 20520 Pine Tree LN?The closest schools to 20520 Pine Tree LN in Estero, FL are Bonita Springs Elementary School (Pre-K, rated 4/10), Bonita Springs High School (rated 4/10), Cypress Lake High School (rated 5/10).
- Does 20520 Pine Tree LN have air conditioning?Yes, 20520 Pine Tree LN in Estero, FL has air conditioning.
- Does 20520 Pine Tree LN have laundry facilities?Yes, 20520 Pine Tree LN in Estero, FL has in-unit laundry.
20520 Pine Tree LN, Estero, FL 33928 is a 3 bedroom, 2 bathroom, 1,738 sqft single-family home built in 1997. This property is currently available for sale and was listed by SWFLMLS on Oct 6, 2026. The MLS # for this home is MLS# 226034668.

