NOT LISTED FOR SALE

20643 Torre Del Lago St Estero, FL 33928

Bella Terra Neighborhood

Estimated Value: $664,544 - $695,000

5 Beds
2.5 Baths
3,711 Sq Ft
$185/Sq Ft Est. Value

Last Sold May 25, 2021

Last sale price $575,000 $155 Per Sq Ft

Est. 19% increase in value since last sale

Current estimated payment $4,467/month

21 Days on Market

Highlights

  • 24-Hour Guard
  • Views of Preserve
  • Clubhouse
  • Pinewoods Elementary School Rated A-
  • Room in yard for a pool
  • Wood Flooring

About This Home

As of May 2021

This elegant home is a 5 bedroom or 4 bedroom and study, plus an Oversize Bonus Room. It is the popular Trinity Model where the spacious Master Bedroom is conveniently downstairs and offers a large walk in closet. The gorgeous kitchen has new painted white wood staggered cabinetry, quartz counter top, Carrara glass mosaic back splash and upgraded all new appliances. In 2020, the entire interior was freshly repainted. Installed in 2020 two new American Standard/Trane A/C systems with digital thermostats; New LG WiFi Enabled Washer and Dryer Package. In 2019 new carpet and pad in all upstairs bedrooms, new wood flooring in master bedroom, and new Hot Water Heater. The home features New exterior painting in 2021 with a new smart garage door opener and keypad. Second story Bonus Room is so large it is perfect for a billiard table and a school space for the kids. The premium lot offers a conservation preserve setting with plenty of room and wide side access for your own designed custom pool. Bella Terra is a community with a guarded gatehouse, resort style pool and exceptional amenities for the entire family with low HOA fees.

Last Agent to Sell the Property

Linda Sirois

London Foster Realty Listed on: 04/13/2021

London Foster Realty

Co-Listed By

Christine Seese

London Foster Realty

Last Buyer's Agent

Joe Psyk

INACTIVE AGENT ACCT

INACTIVE AGENT ACCT

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,422

Year Built

  • Built in 2006

Lot Details

  • 8,320 Sq Ft Lot
  • Lot Dimensions: 64
  • East Facing Home
  • Gated Home
  • Paved or Partially Paved Lot
  • Property is zoned RPD

HOA Fees

Parking

  • 2 Car Attached Garage
  • Automatic Garage Door Opener

Property Views

  • Views of Preserve
  • Views of Woods

Home Design

  • Concrete Block With Brick
  • Stucco
  • Tile

Interior Spaces

  • 3,711 Sq Ft Home
  • 2-Story Property
  • Tray Ceiling
  • 9 Ceiling Fans
  • Ceiling Fan
  • Shutters
  • Single Hung Windows
  • Great Room
  • Family Room
  • Formal Dining Room
  • Den
  • Screened Porch
  • Fire and Smoke Detector

Kitchen

  • Eat-In Kitchen
  • Self-Cleaning Oven
  • Range
  • Microwave
  • Ice Maker
  • Dishwasher
  • Disposal

Flooring

  • Wood
  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 5 Bedrooms
  • Primary Bedroom on Main
  • Walk-In Closet
  • Bathtub With Separate Shower Stall

Laundry

  • Laundry Room
  • Dryer
  • Washer
  • Laundry Tub

Outdoor Features

  • Room in yard for a pool
  • Patio

Utilities

  • Central Heating and Cooling System
  • Underground Utilities
  • High Speed Internet
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 29-46-26-E3-0200D.0160
  • Tax Block D

Community Details

Overview

  • $1,500 Secondary HOA Transfer Fee
  • Mandatory home owners association

Amenities

  • Clubhouse
  • Recreation Room

Recreation

  • Tennis Courts
  • Community Basketball Court
  • Volleyball Courts
  • Pickleball Courts
  • Bocce Ball Court
  • Community Playground
  • Exercise Course
  • Community Pool or Spa Combo

Security

  • 24-Hour Guard

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,422

Year Built

Built in 2006

Lot Details

0

HOA Fees

$211 per month

Parking

2

Listing Details

  • Legal Description: BELLA TERRA UNIT TWO DESC IN PB 81 PGS 1-36 BLK D LOT 16
  • Property Type: Residential
  • Table: Residential
  • Building Design: Single Family
  • Building Description: 2 Story
  • Storm Protection: Shutters
  • Year Built: 2006
  • Special Features: None
  • Property Sub Type: Detached
  • Stories: 2

Interior Features

  • Furnished Description: Unfurnished
  • Numberof Ceiling Fans: 9
  • Price Per Sq Ft: 154.94
  • Total Floors: 2
  • Additional Rooms: Family Room, Great Room, Laundry in Residence, Screened Lanai/Porch, Den/Study
  • Estimated Living Area: 3711
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bathrooms: 3.00
  • Bedroom Description: Master BR Ground
  • Bedrooms: 5+Den
  • Total Bedrooms: 5
  • Dining Room: Eat-in Kitchen, Formal
  • Equipment: Auto Garage Door, Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator/Icemaker, Self Cleaning Oven, Smoke Detector, Washer
  • Flooring: Carpet, Tile, Wood
  • Floor Plan: Great Room, 2 Story
  • Interior Amenities: Cable Prewire, Laundry Tub, Smoke Detectors, Tray Ceiling, Walk-In Closet, Window Coverings
  • Kitchen: Pantry
  • Primary Bathroom: Separate Tub And Shower
  • Windows: Single Hung

Exterior Features

  • Gulf Access: No
  • Private Pool: No
  • Private Spa: No
  • Roof: Tile
  • Construction: Concrete Block
  • Irrigation: Lake/Canal
  • Road: Paved Road
  • View: Preserve, Wooded Area
  • Exterior Features: Patio, Room for Pool
  • Exterior Finish: Stucco

Garage/Parking

  • Garage Description: Attached
  • Garage Spaces: 2
  • Parking: 2 Assigned, Driveway Paved

Utilities

  • Cable Available: Yes
  • Cooling: Ceiling Fans, Central Electric
  • Heat: Central Electric
  • Security: Gated, Guard At Gate, Patrolled
  • Sewer: Central
  • Water: Central

Condo/Co-op/Association

  • Approval: Application Fee, Buyer
  • Management: Professional
  • Mandatory HOA: Yes
  • Restrictions: No Commercial, No RV
  • Sub Condo Name: BELLA TERRA
  • HOA Fees: 211
  • HOA Fee Frequency: Quarterly
  • Maintenance: Cable, Lawn/Land Maintenance, Legal/Accounting, Street Maintenance, Trash Removal
  • Master Hoa Fee: 422
  • Master HOA Fee Frequency: Quarterly

Association/Amenities

  • Pets: Limits
  • Pets Limit Max Number: 2
  • Development: Bella Terra
  • Amenities: Basketball, Bocce Court, Clubhouse, Community Pool, Community Room, Community Spa/Hot tub, Exercise Room, Internet Access, Pickleball, Play Area, Streetlight, Tennis Court, Underground Utility, Volleyball
  • Community Type: Gated

Fee Information

  • Transfer Fees: 1500.00
  • Application Fee: 190.00

Lot Info

  • Builder Product: No
  • Section: 29
  • Total Area: 4554
  • Waterfront: No
  • Zoning Code: RPD
  • Acres: 0.1910
  • Rear Exposure: East
  • Lot Description: Regular
  • Lot Dimensions: 64 X 130
  • Parcel Number: 29-46-26-E3-0200D.0160

Rental Info

  • Lease Limits: Yes
  • Leases Per Year: 4
  • Min Days Of Lease: 90

Tax Info

  • Tax District Type: Community Development District
  • Taxes: 5422.00

Ownership History

Date Name Owned For Owner Type

Purchase Details

Closed on
Nov 30, 2025
Sold by
Psyk Joseph N
Bought by
Psyk Joseph N and Joseph N Psyk Revocable Trust
Current Estimated Value
$685,386

Purchase Details

Listed on
Apr 13, 2021
Closed on
May 25, 2021
Sold by
Sirois Linda L and Linda L Sirols Living Trust
Bought by
Psyk Joseph N
Seller's Agent
Linda Sirois
London Foster Realty
Buyer's Agent
Joe Psyk
INACTIVE AGENT ACCT
List Price
$579,990
Sold Price
$575,000
Premium/Discount to List
-$4,990
-0.86%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
3.82%
Original Mortgage
$517,750
Interest Rate
2.9%
Mortgage Type
New Conventional
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Psyk Joseph N $100 None Listed On Document
Psyk Joseph N $575,000 Stewart Title Company
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Previous Owner Psyk Joseph N $517,750
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
05/25/2021 05/25/21 Sold $575,000 -0.9% $155 / Sq Ft
05/04/2021 05/04/21 Pending -- -- --
05/03/2021 05/03/21 Price Changed $579,990 0.0% $156 / Sq Ft
05/03/2021 05/03/21 For Sale $579,990 +4.6% $156 / Sq Ft
04/14/2021 04/14/21 Pending -- -- --
04/13/2021 04/13/21 For Sale $554,585 -- $149 / Sq Ft
Source: Naples Area Board of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $8,311 $585,588 $92,863 $485,311
2024 $8,542 $569,328 $103,384 $458,482
2023 $8,542 $526,735 $0 $0
2022 $7,714 $478,850 $99,185 $379,665
2021 $6,062 $361,699 $94,465 $267,234
2020 $5,648 $313,317 $92,675 $220,642
2019 $5,717 $316,558 $81,295 $235,263
2018 $5,841 $318,961 $72,000 $246,961
2017 $6,047 $331,095 $75,000 $256,095
2016 $6,078 $326,639 $75,000 $251,639
2015 $5,951 $314,097 $74,500 $239,597
Source: Public Records

Agents Affiliated with this Home

  • Linda Sirois

    Seller's Agent in 2021

    Linda Sirois

    London Foster Realty

    (239) 293-2053

    2 in this area

    6 Total Sales

    Linda Sirois
    Section Image

  • C

    Seller Co-Listing Agent in 2021

    Christine Seese

    London Foster Realty

    2 in this area

    5 Total Sales

    Christine Seese
    Section Image

  • J

    Buyer's Agent in 2021

    Joe Psyk

    INACTIVE AGENT ACCT

    Section Image
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Map

Source: Naples Area Board of REALTORS®

MLS Number: 221022207

Naples Area Board of REALTORS®

APN: 29-46-26-E3-0200D.0160

Florida Lee County Estero 33928 Bella Terra

20643 Torre Del Lago St, Estero, FL

Not Listed for Sale

Detached

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Naples Area Board of REALTORS® The source of this real property information is the copyrighted and proprietary database compilation of the M.L.S. of Naples, Inc. Copyright 2026 M.L.S. of Naples, Inc. 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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