20970 Torre Del Lago ST, Estero, FL, 33928 | $800,000

This custom Sawgrass home in the Estates section of Bella Terra is the kind of Florida property people wait years to find. Nearly 3, 000 square feet of single story living, five true bedrooms, three full baths, and a three car garage are wrapped around a resort style pool and spa with long lake views and western sunsets.
The layout is open, bright, and incredibly livable. There are formal living and dining rooms for gatherings, a large family room for everyday life, a front flex room or home office, and a private guest suite in the back that opens directly to the pool. The kitchen anchors the home with a large island, upgraded cabinetry, granite countertops, quality appliances, custom storage, and two wine refrigerators, because entertaining here just makes sense.
Details throughout the home include crown molding, tray ceilings, plantation shutters, custom window treatments, and neutral tile floors that keep everything clean and timeless. The primary suite features a bump out sitting area, while all three bathrooms have been upgraded with granite and stylish finishes. Even the oversized laundry room has been thoughtfully designed.
Outside, the screened lanai surrounds a sparkling pool and spa with newer pool equipment, roll down hurricane shutters, and wide lake views that make every evening feel special. Recent upgrades include 3M sun protection window film, a freshly painted exterior, and enhanced hurricane protection, adding both comfort and peace of mind.
A single story, fully updated estate home with five bedrooms, a pool, and lake views in Bella Terra is incredibly hard to replicate. This one is truly move in ready and ready for its next chapter.

Features

  • Amenities: Basketball, Bike And Jog Path, Bocce Court, Clubhouse, Park, Pool, Community Room, Community Spa/Hot tub, Fitness Center, Internet Access, Library, Pickleball, Playground, Sidewalks, Street Lights, Tennis Court(s), Volleyball, Gated, Tennis
  • Bedrooms: 5
  • Baths: 3 full
  • Lot Size: 72 x 95 x 150 x 150
  • Laundry: Inside, Sink
  • Year Built: 2011
  • Garage: 3-car 2+ Spaces, Driveway Paved, Garage Door Opener, Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fan(s), Central Electric
  • Basement: Ceiling Fan(s), Central Electric
  • Approx Sq. Feet: 3,546
  • Acreage: 0.29
  • Lot Size: 72 x 95 x 150 x 150
  • Est. Taxes: $10,155
  • HOA Fee: $238 Quarterly
  • Lot Desc: Oversize
  • View: Lake
  • Elem. School: CHOICE
  • Middle School: CHOICE
  • High School: CHOICE
  • Pool: In Ground, Electric Heat
  • Pet Policy: Number Limit
  • Appliances: Electric Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator/Freezer, Washer, Wine Cooler
  • MLS#: 225078540
  • Days on Market: 116 days
  • Website: https://www.raveis.com
    /prop/225078540/20970torredellagost_estero_fl?source=qrflyer
Copyright © 2026  The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations Copyright Southwest Florida MLS organizations. All rights reserved.
The data relating to real estate for sale displayed on this Website comes in part from the Multiple Listing Service of the Bonita Springs-Estero Association of REALTORS®, Inc., under License No. BK3330055FL. Properties displayed on this Website include properties listed with brokerage firms other than William Raveis Real Estate. 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 Bonita Springs-Estero Association of REALTORS® Multiple Listing Service, or contained in the database compilation of the Bonita Springs-Estero Association of REALTORS™ Multiple Listing Service.
Listing courtesy of ROYAL SHELL REAL ESTATE, INC.   Phone: 239-992-9100

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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20970 Torre Del Lago ST, Estero, FL, 33928

$800,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $640,000 $640,000 $640,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.197% 6.156% 5.609%
Monthly Tax Payment $846 $846 $846
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,634 $3,833 $5,187
Total Monthly Payment $4,572 $4,771 $6,125

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.