$799,900
$75K PRICE DROP

20886 Torre Del Lago St Estero, FL 33928

Bella Terra Neighborhood

Estimated payment $4,989/month

Total Views 6,431
5 Beds
4 Baths
3,607 Sq Ft
$222 Price per Sq Ft

Highlights

  • Fitness Center
  • Heated In Ground Pool
  • Gated Community
  • Pinewoods Elementary School Rated A-
  • Home fronts a pond
  • Pond View

About This Home

Buy This Home-Risk-Free! If you're not completely satisfied with your new home within the first 12 months, I'll Sell It for Free. No Gimmicks! This is part of my Exclusive Buyer Protection Plan. For full details, call the listing agent directly. This Home Qualifies for a 1% Rate Buy-Down. Available exclusively for our VIP Buyers to help you save money right from the start. Bonus Offers for VIP Buyers: Bonus 1: Don't Get Stuck Owning Two Homes. Buy this home and I'll Buy Yours! If you're looking to purchase a new home but still need to sell your current one, you're not alone-and we have a solution. For details on this powerful option, call the listing agent or request a free report. Bonus 2: FREE 1-Year Home Warranty. Enjoy added peace of mind. As a VIP Buyer, you'll receive a 1-year home warranty at no cost to you at closing. Call today to become a VIP Buyer and take advantage of these exclusive benefits! This spacious two-story estate home is located in the highly sought-after gated community of Bella Terra, offering serene lake and preserve views from a premium oversized lot. With five bedrooms, four bathrooms, and a private pool, this certified pre-owned home is move-in ready and ideal for both everyday living and entertaining. Situated east of I-75 and outside of a flood zone, this home also comes with a low HOA fee, adding even more value for today's buyer. Inside, you'll find a luxurious owner's suite with a private screened balcony, sitting area, walk-in closets, and a spa-like en-suite bathroom featuring a soaking tub and separate shower. The home has been freshly painted and includes elegant upgrades such as crown molding, plantation shutters, and stylish flooring throughout. A brand-new roof and included home warranty offer added peace of mind. The extra-long driveway is perfect for multi-vehicle households, especially since Bella Terra does not allow overnight street parking. Step outside to your private oasis with a screened-in lanai and pool overlooking lush preserve views-perfect for relaxing in total privacy. Bella Terra offers an impressive list of resort-style amenities, including a clubhouse, pool and hot tub, gym, game room, and garden, plus baseball and soccer fields, a basketball court, bocce, street hockey, tennis courts, pickleball, sand volleyball, and multiple playgrounds. Conveniently located near Miromar Outlets, Coconut Point, FGCU, and Southwest Florida International Airport, this home provides luxury, space, and access to the best of Estero living. The sellers are motivated and willing to contribute toward closing costs, or a rate buy-down. All reasonable offers will be considered-schedule your private showing today.

Listing Agent

Suzanne Vasbinder

Your Home Sold Guaranteed Realty-Vasbinder International,llc Listed on: 04/03/2025

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $9,177

Year Built

  • Built in 2006 | Remodeled in 2023

Lot Details

  • 0.34 Acre Lot
  • Home fronts a pond
  • Fenced
  • Sprinkler System
  • Landscaped with Trees

Parking

  • 2 Car Attached Garage
  • Driveway

Home Design

  • Tile Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 3,607 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Crown Molding
  • Plantation Shutters
  • Entrance Foyer
  • Family Room
  • Living Room
  • Breakfast Room
  • Dining Room
  • Pond Views

Kitchen

  • Oven
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Granite Countertops
  • Disposal

Flooring

  • Wood
  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 5 Bedrooms
  • Walk-In Closet
  • 4 Full Bathrooms
  • Soaking Tub

Laundry

  • Laundry Room
  • Dryer

Outdoor Features

  • Heated In Ground Pool
  • Covered Patio or Porch

Utilities

  • Central Air
  • Heat Pump System

Community Details

Overview

  • Property has a Home Owners Association
  • Bella Terra Association
  • Low-Rise Condominium
  • Bella Terra Of Southwest Florida, Estero Fl Community
  • Bella Terra Subdivision

Amenities

  • Clubhouse
  • Recreation Room

Recreation

  • Tennis Courts
  • Community Playground
  • Fitness Center
  • Community Pool

Security

  • Security Service
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$9,177

Year Built

Built in 2006 | Remodeled in 2023

Lot Details

0

Parking

2

Listing Details

  • BuildingCommunityClubhouse: Yes
  • BuildingCommunityGated: Yes
  • BuildingCommunityGym: Yes
  • BuildingCommunityPlayground: Yes
  • BuildingCommunityPool: Yes
  • BuildingCommunityRecRoom: Yes
  • BuildingCommunitySecurity: Yes
  • BuildingCommunityTennis: Yes
  • Building Style: Low-rise
  • Directions To Property: GPS
  • ExteriorCoveredPorch: Yes
  • ExteriorFence: Yes
  • ExteriorSprinklerSystem: Yes
  • FloorCarpet: Yes
  • FloorHardwood: Yes
  • FloorTile: Yes
  • HamletID: 0
  • HasCentralAC: Yes
  • HeatFuelElectric: Yes
  • HeatTypePump: Yes
  • HOADevelopmentName: Bella Terra
  • InteriorAmps: 0
  • KitchenCounterType: Granite
  • LandFrontageInFeet: 0
  • LandRentAmount: 0
  • LastPriceValue: 824900
  • Lot Size Acres: 0.34
  • Number Of Stories: 2
  • PercentageOfTaxThatIsDeductable: 0
  • PoolHeated: Yes
  • PoolInground: Yes
  • PropertyCity: Estero
  • PropertyTownship: Estero
  • Prop. Type: House (Detached)
  • PropertyZipCode: 33928
  • PropertyZoneType: 100
  • RenovationComments: New Roof, A/C 2021 Painted 2024 and 2025
  • Renovation Year: 2023
  • RoofTile: Yes
  • Breakfast Room: Yes
  • Dining Room: Yes
  • Family Room: Yes
  • First Floor Bathroom: Yes
  • Formal Room: Yes
  • Foyer: Yes
  • Laundry Room: Yes
  • Primary Bedroom: Yes
  • Private Guest Room: Yes
  • Walk In Closet: Yes
  • SForSaleAndRForRental: S
  • SidingStucco: Yes
  • Subdivision Name: Bella Terra
  • USStateAbbreviation: FL
  • ViewPond: Yes
  • WaterfrontPond: Yes
  • WaterSourceType: Municipal
  • Year Built: 2006
  • Special Features: NewHome
  • Property Sub Type: Detached
  • Stories: 2
  • Year Renovated: 2023

Interior Features

  • ApplianceDishwasher: Yes
  • ApplianceDryer: Yes
  • ApplianceGarbageDisposal: Yes
  • ApplianceMicrowave: Yes
  • ApplianceOven: Yes
  • ApplianceRefrigerator: Yes
  • ApplianceStainlessSteel: Yes
  • BasementAreaSquareFootage: 0
  • Basement Type: Slab
  • Kitchen Type: Open
  • Fireplaces: 0
  • Number of Rooms: 0
  • Living Room: Yes
  • AboveArea Sq Ft: 3607

Exterior Features

  • Construction Type: Masonry - Concrete Block
  • Has Pool: Yes
  • Trees: Yes
  • Waterfront Property: Yes

Garage/Parking

  • AttachedParking: 0
  • Driveway: Yes
  • Garage Type: Attached
  • Numberof Garage Spaces: 2

Utilities

  • Sewer Type: Municipal
  • Utilities: 0

Condo/Co-op/Association

  • HOA Fees: 270
  • HOA Name: Bella Terra
  • HOA Phone: 239-454-1101
  • Units in Building: 0
  • Community Name: BELLA TERRA OF SOUTHWEST FLORIDA, ESTERO FL

Association/Amenities

  • HomeOwnersAssociationOrPlannedUnitDevelopment: Yes

Lot Info

  • Number Of Lots: 0

Multi Family

  • Unit Number of Bedrooms: 5
  • Total Taxes: 9177

Tax Info

  • Tax Year: 2024

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





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
2024 $9,177 $566,911 -- --
2023 $8,800 $515,374 $0 $0
2022 $7,749 $468,522 $0 $0
2021 $6,715 $425,929 $116,965 $308,964
2020 $6,505 $399,699 $114,750 $284,949
2019 $6,585 $402,943 $100,850 $302,093
2018 $6,745 $406,188 $89,250 $316,938
2017 $7,070 $423,938 $91,000 $332,938
2016 $6,802 $403,817 $91,000 $312,817
2015 $6,643 $397,217 $91,000 $306,217
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/25/2025 07/25/25 Price Changed $799,900 -3.0% $222 / Sq Ft
06/11/2025 06/11/25 Price Changed $824,900 -2.9% $229 / Sq Ft
06/04/2025 06/04/25 Price Changed $849,900 -2.9% $236 / Sq Ft
04/03/2025 04/03/25 For Sale $874,900 -- $243 / Sq Ft
Source: My State MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $300,000 Sunbelt Title Agency
Special Warranty Deed $657,000 North American Title Company
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $375,000 New Conventional
Closed $285,000 Unknown
Previous Owner $525,550 Unknown
Source: Public Records

About the Listing Agent

Suzanne Vasbinder

Your Home Sold Guaranteed Realty-Vasbinder International,llc

(239) 970-6629

Section Image

Suzanne Vasbinder is the Broker/Owner of Your Home Sold Guaranteed Realty – Vasbinder International, a boutique firm built on integrity, results, and relationships. With a global perspective and deep local expertise, Suzanne brings a unique blend of worldliness, grit, and heart to every transaction.
Born in Scotland, raised in Belgium, and later rooted in the Midwest, Suzanne’s multicultural upbringing shaped her into a confident communicator fluent in both English and French. She holds a

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Source: My State MLS

MLS Number: 11460452

APN: 32-46-26-E1-0200A.0160