20520 Pine Tree Ln

1,738 Sq. Ft.
$423 / Sq. Ft.
1,738
Sq. Ft.
$423
per Sq. Ft.

Description

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,...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.
  1. Listed by Joe R Pavich • Realty World J. PAVICH R.E.

Property Details for 20520 Pine Tree Lane

Development
ESTERO RIVER HEIGHTS
Building Design
Single Family
Building Description
1 Story/Ranch
Community Type
Boating, Non-Gated
Waterfront
Yes
Waterfront Description
Canal
View
Canal
Garage Spaces
2
LISTING UPDATED: 01/26/2026 08:20 AM

Property Details for 20520 Pine Tree Lane

StatusActive
MLS #225083687
Days on Market26
Taxes$4,997 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family
Year Built1997
Lot Size0.38 AC / 16,378 SF
CountyLee County

Location

Listing Courtesy of Realty World J. PAVICH R.E., Joe R Pavich
Add your commute

Building Information for 20520 Pine Tree Lane

Stories1Year Built1997Building Size-Lot Size0.38 AC / 16,378 SF

Payment Calculator

$3,999 per month

30 year fixed, 6.15% Interest

Principal and Interest

$3,582

Property Taxes

$416

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

Property Information for 20520 Pine Tree Lane

Summary
Location and General Information
  • Amenities: BBQ - Picnic, Cabana, Community Boat Ramp, Community Park
  • Full Address: 20520 Pine Tree LN
Parking
  • Carport Spaces: 0
  • Garage Description: Attached
  • Parking: 2+ Spaces, Driveway Paved
Taxes and HOA Information
  • Amenity Rec Fee: $.00
  • Application Fee: $.00
  • Association Management Phone: 000-000-0000
  • HOA Description: Voluntary
  • HOA Fee: $.00
  • Condo Fee: $.00
  • Mandatory HOA: No
  • Primary HOA Fee: $.00
  • Tax Description: County Only
  • Tax District Type: Not Applicable
  • Tax Year: 2024
  • Transfer Fee: $.00
  • Management: Residents
  • Mandatory Club Fee: $.00
  • Maintenance: Rec Facilities
Property
Lot Information
  • Subdivision Number: E4
  • Acres: 0.376
  • Legal Description: ESTERO RIVER HEIGHTS UNIT 3 PB 25 PG 133 LOT 10
  • Unit: 0
  • Lot Back: 70
  • Lot Description: Corner, Oversize
  • Lot Frontage: 123
  • Lot Left: 146
  • Lot Right: 198
  • Lot Unit: 10
  • Parcel Number: 29-46-25-E4-05000.0100
  • Section: 29
  • Source of Measure Living Area: Property Appraiser Office
  • Source of Measure Lot Dimensions: Property Appraiser Office
  • Source of Measurements: Property Appraiser Office
  • Source of Measure Total Area: Property Appraiser Office
  • Property Type: Residential
Property and Assessments
  • Equipment: Auto Garage Door, Dishwasher, Dryer, Microwave, Range, Refrigerator/Freezer, Reverse Osmosis, Smoke Detector, Washer, Water Treatment Owned
  • Approx Living Area: 1738.0
  • Builder Product: No
  • Possession: At Closing
  • Range: 25E
  • Rear Exposure: W
  • Restrictions: None
  • Special Assessment: $.00
  • Storm Protection: Shutters - Manual
  • Sub Condo Name: ESTERO RIVER HEIGHTS
  • Total Area: 2457.0
  • Zoning Code: RSF
Lease Information
  • One Time Land Lease Fee: $0
  • One Time Mandatory Club Fee: $0
  • One Time Othe Fee: $0
  • One Time Rec Lease Fee: $0
  • One Time Special Assessment Fee: $0
  • Land Lease Fee: $.00
  • Lease Limits: No
Utilities
  • Sewer: Septic
  • Water: Reverse Osmosis - Entire House, Well
  • Cable Available: Yes
  • Heat: Central Electric
  • Cooling: Ceiling Fans, Central Electric
Multi Family
Multi-Family Information
  • Total Annual Recurring Fees: $0
  • Golf Type: No Golf Available
  • Num Unit Floor: 1
  • Total Floors: 1
  • Units in Building: 1
  • Units in Complex: 1
  • Terms: Buyer Finance/Cash
Interior and Exterior Features
Exterior Features
  • Exterior Features: Deck, Patio, Pond, Room for Pool, Storage
  • Exterior Finish: Vinyl Siding
  • Gulf Access Type: No Bridge(s)/Water Direct
  • Gulf Access: Yes
  • Irrigation: None
  • Boat Access: Boat Dock Private
  • Roof: Metal
  • Canal Width: Canal Width 1-30
  • Construction: Wood Frame
  • Windows: Single Hung
  • Private Pool: No
  • Private Spa: No
Interior Features
  • Additional Rooms: Den - Study, Laundry in Garage, Open Porch/Lanai
  • Bedroom Description: Master BR Ground, Split Bedrooms
  • Beds Total: 3
  • Dining Description: Breakfast Bar, Eat-in Kitchen
  • Elevator: None
  • Kitchen Description: Pantry
  • Primary Bath Description: Combo Tub And Shower
  • Flooring: Tile, Wood
  • Floor Plan Type: Great Room
  • Furnished Description: Negotiable
  • Interior Features: Cathedral Ceiling, Internet Available, Pantry, Walk-In Closet, Window Coverings
  • Elevator Text Details: None

Property History for 20520 Pine Tree Lane

DateEvent & SourcePriceAppreciation
Jan 26, 2026

Listed (Active)

FORTMLS #225083687

$735,000—
Jan 26, 2026

Listed (Active)

BEARMLS #225083687

$735,000—
Sep 27, 2021

Sold (Public Record)

Public Record #1473068093

$550,000—
Sep 27, 2021

Sold

FORTMLS #221058412

$550,000—
Sep 21, 2021

Pending

FORTMLS #221058412

—
Aug 10, 2021

Listed (Active)

FORTMLS #221058412

$550,000—
May 5, 2021

Withdrawn

Naples Area Board of REALTORS #221032986

—
May 3, 2021

Listed (Active)

Naples Area Board of REALTORS #221032986

$500,000—
Apr 19, 2021

Withdrawn

Naples Area Board of REALTORS #221005353

—
Feb 1, 2021

Listed (Active)

Naples Area Board of REALTORS #221005353

$500,000—
DateEvent & SourcePrice
01/26/2026

Listed (Active)

FORTMLS #225083687

$735,000
01/26/2026

Listed (Active)

BEARMLS #225083687

$735,000
09/27/2021

Sold (Public Record)

Public Record #1473068093

$550,000
09/27/2021

Sold

FORTMLS #221058412

$550,000
09/21/2021

Pending

FORTMLS #221058412

—
08/10/2021

Listed (Active)

FORTMLS #221058412

$550,000
05/05/2021

Withdrawn

Naples Area Board of REALTORS #221032986

—
05/03/2021

Listed (Active)

Naples Area Board of REALTORS #221032986

$500,000
04/19/2021

Withdrawn

Naples Area Board of REALTORS #221005353

—
02/01/2021

Listed (Active)

Naples Area Board of REALTORS #221005353

$500,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 20520 Pine Tree Lane

Taxable ValueLand$299,986Additions$47,150Total$347,136
Tax Record2025$3,996 ($333 / month)
Home Facts
Beds3Total Finished SqFt1,738 SqFtAbove Grade Finished SqFt1,738 SqFtStories1Lot Size16,379 SqFtStyleSingle Family ResidenceYear Built1997Year Renovated1999ZoningRSFCountyLEEAPN29-46-25-E4-05000.0100

Schools near 20520 Pine Tree Lane

This home is within School District of Lee County.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - PK to 5
Public - PK to 5
Public - PK to 5
Rating
School
Distance
San Carlos Park Elementary School
PublicPK to 5

Pinewoods Elementary School
PublicPK to 5

Spring Creek Elementary School
PublicPK to 5

Three Oaks Elementary School
PublicPK to 5

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

Similar Sold Homes

20520 Pine Tree Lane is a single family home for sale in Estero, FL 33928. This property was listed for sale on January 26, 2026 by Realty World J. PAVICH R.E., it's currently listed at $735,000. It has been on the market for a total of 26 days and was last sold on September 27, 2021. This listing's school district is School District of Lee County. Nearby schools include San Carlos Park Elementary School, Pinewoods Elementary School and Spring Creek Elementary School. 20520 Pine Tree Lane is a 3-bed, 2-bath, 1,738 sqft single family home built in 1997.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of Realty World J. PAVICH R.E., Joe R Pavich

The information is being provided in part by Southwest Florida Multiple Listing Service, Broker Reciprocity Program ("BR Program") of M.L.S. of Naples, Inc. ("Naples MLS"), under License No. NCOMPN2, and MarcoMls. Information deemed reliable but not guaranteed. Information is provided for consumers' personal, non-commercial use, and may not be used for any purpose other than the identification of potential properties for purchase. Copyright 2026 Southwest Florida Multiple Listing Service and MarcoMls. All Rights Reserved. The data relating to real estate for sale displayed on this website comes in part from the Broker Reciprocity Program ("BR Program") of M.L.S. of Naples, Inc. ("Naples MLS"), under License No. NCOMPN2 and MarcoMls. Properties listed with brokerage firms other than Compass are marked with the "BR House" logo. 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 Naples MLS BR Program, or contained in the database compilation of Naples MLS.