20520 Pine Tree LN, Estero, FL 33928
FOR SALE
0.38 ACRES

20520 Pine Tree LN
Estero, FL 33928

  • 3 Beds
  • 2 Baths
  • 1,738 sqft (on 0.38 acres)

$699,900

Original price: $725,000
Est. Mortgage $4,314/mo*

$699,900

Original price: $725,000
Est. Mortgage $4,314/mo*
3 Beds
2 Baths
1,738 sqft
(on 0.38 acres)

Local Information

Map showing home location
© Google
-- mins to
Commute Destination

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.

Home Highlights

Parking
2 Car Garage
Outdoor
Porch, Patio, Deck
View
Canal
HOA
None
Price/Sqft
$403
Listed
102 days ago

Home Details for 20520 Pine Tree LN

Interior Features

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: 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
Security
Security: Smoke Detector(s)

Exterior Features

Exterior Home Features
Roof: MetalPatio / Porch: Deck, Patio, Open Porch/LanaiOther Structures: Cabana, StorageExterior: Dock, StorageNo Private Pool
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2No CarportHas a GarageHas an Attached GarageHas Open ParkingParking Spaces: 2Parking: Driveway,Attached
Frontage
WaterfrontWaterfront: Canal FrontOn Waterfront
Water & Sewer
Sewer: Septic Tank
Farm & Range
Not Allowed to Raise Horses

Days on Market

Days on Market: 102

Property Information

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

Price & Status

Price
List Price: $699,900Price Per Sqft: $403

Active Status

MLS Status: Active

Location

Direction & Address
City: ESTEROCommunity: ESTERO RIVER HEIGHTS

Agent Information

Listing Agent
Listing ID: 225083687

Building

Building Area
Building Area: 2457 Square Feet

Community

Community Features: Park, Boating, Non-GatedNot Senior Community

HOA

Association for this Listing: Bonita SpringsNo HOAHOA Fee: No HOA Fee

Lot Information

Lot Area: 0.38 acres

Rental Terms, Policies & Fees

Lease Term: Buyer Finance/Cash

Miscellaneous

Mls Number: 225083687Water ViewWater View: Canal

Additional Information

HOA Amenities: Barbecue,Cabana,Community Boat Ramp,ParkSource Internet Entire Listing Display
Last check for updates: about 17 hours ago
Listing courtesy of Joe R Pavich, (239) 910-0304
Realty World J. PAVICH R.E.
Originating MLS: Bonita Springs
Source: SWFLMLS, MLS#225083687
Also Listed on SWFLMLS.

Price History for 20520 Pine Tree LN

DatePriceEventSource
04/24/2026$699,900PriceChange
SWFLMLS #225083687
03/01/2026$725,000PriceChange
SWFLMLS #225083687
01/26/2026$735,000Listed For SaleSWFLMLS #225083687
09/27/2021$550,000Sold
Florida Gulf Coast MLS #221058412
08/13/2021$550,000PendingFlorida Gulf Coast MLS #221058412
08/11/2021$550,000Listed For SaleFlorida Gulf Coast MLS #221058412
05/05/2021ListingRemovedSWFLMLS #221032986
05/03/2021$500,000PendingSWFLMLS #221032986
05/03/2021$500,000Listed For SaleSWFLMLS #221032986
04/19/2021ListingRemovedSWFLMLS #221005353
04/01/2021$485,000PriceChange
SWFLMLS #221005353
02/01/2021$500,000Listed For SaleSWFLMLS #221005353

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Property Tax and Assessment

Year2025
Tax$4,345
Assessment$347,136
Home facts updated by county records

Comparable Sales for 20520 Pine Tree LN

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
0.10
Single-Family Home
$765,000
08/01/25
3
2
1,891
0.18
Single-Family Home
$340,000
08/05/25
3
2
1,266
0.20
Single-Family Home
$437,000
06/27/25
3
2
1,713
0.10
Single-Family Home
$840,000
06/26/25
3
3
2,916
0.38
Single-Family Home
$390,000
05/15/25
3
2
1,300
0.79
Single-Family Home
$429,000
04/17/26
3
2
1,576
0.60
Single-Family Home
$1,022,500
10/28/25
2
2
1,875
0.31
Single-Family Home
$850,000
09/08/25
4
3
2,468
0.90
Single-Family Home
$595,000
09/10/25
3
2
2,016

Assigned Schools

These are the assigned schools for 20520 Pine Tree LN.
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

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

Learn more about our methodology.
  • Edw213
    "There are many dog owners that live in our neighborhood. All dog owners are friendly and pick up after their dogs. There are many common areas to walk your dog. All dogs must be walked on a leash and not allowed to roam freely."
  • Edw213
    "I have lived in this neighborhood now for 21 years and it is very friendly and safe. Everyone saves to each other as we walk or ride through the streets."
  • Brianm894
    "Rough commute because of road construction. Should make these roads before they allow new communities."
  • Edw213
    "Our neighborhood is a very friendly place where everyone waves to each other or checks on your property when you are away. Neighbors care for each other."
  • Edw213
    "This community is very friendly with everyone waving to each other. Neighbors picking up papers and packages for other neighbors out of town."
  • Edw213
    "Our neighborhood is very friendly . Each neighbor waves to each of us as we pass on the street driving ,walking etc."
  • Edw213
    "Everyone that lives here is very friendly and waves to each other.we all look out for each others property. All of our houses and yards are well kept and keep the entire community looking almost new."
  • Edw213
    "This is a very neighborly friendly area where everyone waves to each other. Many people walk every day, ride bikes and walk their dogs."
  • Edw213
    "Even though we don’t know ALL of our neighbors we all wave and say hi to each other. It is a VERY friendly neighborhood. Many neighbors will help out with house priorities when a neighbor isn’t home or is away for a while!"
  • Edw213
    "Our community is very friendly and acceptable. We all wave to each other, pick up neighbors trash can etc. a very nice place to live!"
  • Brendan Rake
    "There are many other dog owners in this neighborhood, the streets are walkable, there is a dog park nearby"
  • Madison Gosch
    "Estero is a beautiful neighborhood that has a lot to do- an outlet mall, many restaurants, golf courses, and right next to the I-75. I love living here!"
  • Edw213
    "EVERYTHING is super convenient to our neighborhood, from food stores , to churches, gas stations and all sorts of shopping and dinning."
  • Edw213
    "Many people walk their dogs everyday. People are very friendly and stop and pet other people’s dogs."
  • Edw213
    "Everyone is very friendly. All people wave to you when driving, walking or biking. We have many friends in our community."
  • Edw213
    "The entire neighborhood is very pet friendly. Everyone is respectful of everyone’s property and pick up after their pets."
  • Alexander
    "Growing neighborhood with many shops. Conveniently located between Fort Myers and Naples . Home value has risen. "
  • Jasmine Flores
    "People walk their dogs all the time here. There is plenty of space. The weather is often very nice and warm. It’s perfect for people with pets. "
  • Stuart Colon
    "Popular area with plenty of shopping and new developments both commercial and residential. Traffic is heavy all year around "
  • GABE T.
    "I don’t have a job yet .But the traffic doesn’t seem bad. The roads are wide and traffic flows very well even if there is an accident"
  • Robin G. B.
    "Easy access to I-75, that 2 miles away. Plenty of shopping and dining experiences within a 5 minute drive."
  • Samia A.
    "Safe and great place to raise children. I have lived here for 14 years and I love it. Great neighbors. "
  • Unspecified
    "It is dangerous to walk in my neighborhood. There are no sidewalks and drivers often are driving double the speed limit and/or do not move over to allow adequate clearance. "
  • Chris &. M. A.
    "Great family neighborhood, schools, beautiful parks, tons of shopping, and many activities. Close to airport and entertainment. "
  • Tsbrundage0510
    "The traffic is minimal in Estero. I commute to south Naples everyday for work, the commute can take anywhere from 30 minutes to 1 hour with bad traffic. "
  • Mdexter07
    "Hertz arena and Miramar outlets and gulf coast town center and coconut point are all within 3 miles of this community "
  • Edw213
    "There are many dog owners that live here. Everyone is very friendly. All of the dogs and their owners stop to say hi."
  • Edw213
    "My wife and I have lived here during the winter months for 14 years now and love it. It is safe friendly and welcoming. We have made many warm friends. "
  • Elizabeth S.
    "I guess it depends where you live but there is an older crowd in this neighborhood. I personally like in coper oaks which I don't highly recommend due to their. corrupted policies, hard to manage front gate and lack of parking. "
  • Cherilmason
    "I don’t commute! I do have to take my grandsons to private school in Fort Myers which is an agonizing 45 minute drive each way. It’s HORRIBLE! "
  • Walleyefinder
    "We love the walk ability of the neighborhood and how convenient it is to groceries and restaurants. "
  • Jim S.
    "Tennis, pickle ball, fitness center and a resort size swimming pool. Also, the neighbors are friendly and the the neighborhood is very safe. "
  • John English
    "Hertz Arena has great events as well as public parks, parades, and other activities. Always something to do at Tidewater. Concerts, card games, pickleball, tennis, bocce, community garden, and many active clubs."
  • George B.
    "I know this neighborhood for many years. It is friendly, clean and safe. The amenities like clubhouse, pool, hot tub, tennis, bocce are beautiful and great. Location is fabulous near modern shopping malls and yet quiet."
  • Floridasbeach
    "It’s a 55 and older gated community .... this place has nice sunsets and sunrises .. but the one place I own it’s only one bedroom I would luv bigger place for all my children to come down and stay "
  • Wendy12345
    "Great golf course and a wonderful clubhouse with dining capabilities. It has a great fitness club and tennis club. "

LGBTQ Local Legal Protections

Joe R Pavich, Realty World J. PAVICH R.E.
Agent Phone: (239) 910-0304
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.
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 Jan 26, 2026. The MLS # for this home is MLS# 225083687.