13599 Troia DR, Estero, FL, 33928 | $499,000

*Seller offering 4. 99% financing and 1 Year Full Home Warranty included in sale! Privacy, space, and smart value—without compromise.
This beautifully updated 3-bedroom + den, 2-bath home offers 2, 044 square feet of well-designed living space, set against a quiet, natural, tranquil preserve backdrop in the heart of Bella Terra. Tucked away from rear neighbors with room for a private pool, at a contractor's discount!
Inside, 24x24 tile flooring and crown molding throughout create a clean, upscale feel. The open-concept kitchen and living area are filled with natural light and flow seamlessly to the screened lanai, making everyday living and entertaining effortless. The kitchen is refreshed with new stainless steel appliances, while major updates—including a new tile shower and door, new water heater and newer roof (2019)—provide confidence for years to come. All freshly painted and move in ready.
The owner’s suite is spacious and inviting, featuring a walk-in closet and a private bath with dual vanities and a walk-in shower. The additional den offers flexibility for a home office, media room, or guest space.
Unlike many homes in the community, this property offers ample room to add a pool. Ask about our Screen and Pool package with matching paver patio for our builders discounted price of $65, 000. 00
Low HOA fees of only $270 per month and no flood insurance required.
Bella Terra is a 999-acre, amenity-rich, gated community known for its preserved natural beauty. Residents enjoy a resort-style clubhouse, 24-hour fitness center, resort pool and spa, pickleball, tennis, bocce, soccer field, street hockey, basketball, playgrounds, walking trails, and a full calendar of activities—all just minutes from I-75, shopping, dining, FGCU, and Southwest Florida’s beaches.
For buyers seeking space, privacy, and long-term value in Bella Terra, this home stands apart.
Schedule your private showing and see why this is one of the smartest opportunities in Estero right now.

Features

  • Amenities: Basketball,Bike And Jog Path,Bocce Court,Cabana,Clubhouse,Community Pool,Community Spa/Hot tub,Exercise Room,Pickleball,Sidewalk,Tennis Court,Volleyball
  • Bedrooms: 3
  • Baths: 2 full
  • Style: 1 Story/Ranch
  • Development: BELLA TERRA
  • Year Built: 2006
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Central Electric
  • Approx Sq. Feet: 2,044
  • Acreage: 0.2
  • Est. Taxes: $6,385
  • HOA Fee: $238 Quarterly
  • Master HOA Fee: $573
  • Lot Desc: Regular
  • View: Preserve
  • Community Type: Gated
  • Pet Policy: No Approval Needed
  • MLS#: 226001775
  • Website: https://www.raveis.com
    /prop/226001775/13599troiadr_estero_fl?source=qrflyer
Courtesy of

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

The Melissa McNamara GroupSales Associates

781.470.9503

MMG@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Michael CartierVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1017266

508.335.8179

Michael.Cartier@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Joel FanjoyRegional SVP Insurance Sales, William Raveis Insurance

617.320.5687

Joel.Fanjoy@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

13599 Troia DR, Estero, FL, 33928

$499,000

The Melissa McNamara Group

Sales Associates

William Raveis Real Estate

Phone: 781.470.9503

MMG@raveis.com

Michael Cartier

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 508.335.8179

Michael.Cartier@raveis.com

NMLS Mortgage Loan Originator ID 1017266

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $399,200 $399,200 $399,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.668%
Monthly Tax Payment $532 $532 $532
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,361 $2,458 $3,235
Total Monthly Payment $2,968 $3,065 $3,842

* 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.