20320 Estero Gardens CIR, Estero, FL, 33928 | $205,000

This beautifully maintained first floor residence in Villagio offers exceptional flexibility, featuring one bedroom plus a spacious den that works beautifully as an additional sleeping area or guest space. The den measures approximately 10 by 16 feet and includes a half bath and a full walk in closet, making it ideal for overnight guests, a private retreat, or a comfortable home office. The home enjoys a peaceful lake view and a quiet, inviting setting with an easy walk to community amenities. Pride of ownership is evident throughout. The water heater was replaced in 2021, the air conditioner in 2018, and a new walk in shower was installed in 2023. All appliances are newer, there are five ceiling fans, and the living room features an attractive updated window treatment that adds a polished finish. The open living area feels bright and relaxed, while the den provides excellent versatility to suit a variety of lifestyle needs. Villagio offers an impressive resort style lifestyle with two pools, a spa, tennis and pickleball courts, a fitness center, an on site cafe and sports bar, and a private movie theater with evening showings. A very important advantage is that this condominium is approved for FHA financing, a rare benefit that expands buyer options and adds long term value. The community is known for its peaceful atmosphere and friendly feel, with mature trees, lakes, and walkways creating a calm daily backdrop. The central plaza encourages social connection, while the cafe and sports bar are popular gathering spots, and the private theater remains a signature amenity enjoyed by residents. The location further enhances the appeal with close proximity to Coconut Point, Miromar Outlets, Gulf Coast Town Center, and a wide range of dining and entertainment, while the beaches, RSW International Airport, Florida Gulf Coast University, and Hertz Arena are all within an easy drive. A recent community special assessment of $1, 422 for improvements and maintenance has been paid in full by the seller, providing added peace of mind for the next owner. With its flexible floor plan, well cared for interior, serene water view, thoughtful updates, and rare FHA approval, this home represents outstanding value for both full time and seasonal Southwest Florida living.

Features

  • Building Design: Low Rise (1-3)
  • Parking: Common,Driveway Paved,Paved Parking
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Levels: 1
  • Amenities: BBQ - Picnic,Clubhouse,Community Park,Community Pool,Community Room,Community Spa/Hot tub,Exercise Room,Hobby Room,Internet Access,Library,Pickleball,Restaurant,See Remarks,Sidewalk,Streetlight,Tennis Court,Theater
  • Bedrooms: 1
  • Baths: 1 full / 1 half
  • Complex: VILLAGIO
  • Development: VILLAGIO
  • Year Built: 2006
  • Common Charge: $580 Monthly
  • Approx Sq. Feet: 1,018
  • Acreage: 0.33
  • Est. Taxes: $1,120
  • Lot Desc: Regular
  • View: Water Feature
  • Community Type: Gated
  • Elem. School: THREE OAKS ELEMENTARY SCHOOL
  • Middle School: THREE OAKS MIDDLE SCHOOL
  • High School: ESTERO HIGH SCHOO
  • Pet Policy: With Approval
  • MLS#: 225080935
  • Website: https://www.raveis.com
    /prop/225080935/20320esterogardenscir_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.
Courtesy of Berkshire Hathaway FL Realty

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NMLS Mortgage Loan Originator ID 16953

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20320 Estero Gardens CIR, Estero, FL, 33928

$205,000

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 $164,000 $164,000 $164,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.520% 5.900%
Monthly Tax Payment $93 $93 $93
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $983 $1,023 $1,351
Total Monthly Payment $1,151 $1,191 $1,519

* 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.