20438 Ardore LN, Estero, FL, 33928 | $550,000

Welcome home to serenity! This exceptional, meticulously upgraded residence showcases custom craftsmanship and high-end finishes at every turn. From the moment you step inside, you’ll be impressed by the soaring cathedral ceilings, custom wrought iron railings, and beautiful wood accents that add warmth and architectural character throughout the home. The first floor features designer tile flooring and a completely redesigned custom kitchen outfitted with top-of-the-line cabinetry, premium appliances, and upscale countertops, creating the perfect blend of elegance and functionality for everyday living and entertaining. Impact glass windows and sliding doors, along with electric rear blinds, provide both convenience and peace of mind while enhancing energy efficiency. The spacious first-floor primary suite is a private retreat with a walk-in closet and a luxurious, spa-inspired en-suite bath featuring dual sinks, a soaking tub, and a separate walk-in shower. A convenient half bath for guests and a well-appointed laundry room with built-in cabinetry complete the downstairs layout. Upstairs, you’ll find a large loft space—ideal as a media room, office, or easily converted 4th bedroom—plus two generous guest bedrooms and a beautifully remodeled full bathroom. No detail was overlooked in this true labor of love, where the owners spared no expense in upgrades and improvements. The home also boasts a rare 3-car garage with its own split A/C system, perfect for keeping vehicles, hobbies, or toys climate-controlled year-round. The lot offers plenty of back yard space to build the custom outdoor paradise you've always dreamed of! This one-of-a-kind home combines luxury, comfort, and thoughtful design—an incredible opportunity you won’t want to miss! Bella Terra amenities truly offer something for everyone! Enjoy a beautiful resort-style pool, state-of-the-art fitness center, and an impressive variety of recreation options including tennis and pickleball courts, sand volleyball, basketball, bocce ball, an in-line skating rink, and even a baseball field. Perfectly located just minutes from shopping, dining, the interstate, beaches, universities, and the airport — only about 20 minutes from baggage claim, making travel a breeze. Residents also love the active social calendar packed with events and activities each month, giving you the freedom to be as involved as you choose. With low association fees, outstanding amenities, and a vibrant lifestyle, it’s easy to see why Bella Terra remains one of the area’s most sought-after communities!

Features

  • Amenities: Basketball, Bike And Jog Path, Bocce Court, Clubhouse, Park, Pool, Community Room, Community Spa/Hot tub, Fitness Center, Pickleball, Playground, Street Lights, Tennis Court(s), Volleyball, Gated, Tennis
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Lot Size: 50 x 50 x 130 x 130
  • Style: Traditional
  • Year Built: 2006
  • Garage: 3-car 2+ Spaces, Deeded, Driveway Paved, Garage Door Opener, Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fan(s), Central Electric
  • Basement: Ceiling Fan(s), Central Electric
  • Approx Sq. Feet: 2,951
  • Acreage: 0.17
  • Lot Size: 50 x 50 x 130 x 130
  • Est. Taxes: $5,462
  • HOA Fee: $238 Quarterly
  • Lot Desc: Regular
  • View: Preserve, Trees/Woods
  • Elem. School: SCHOOL CHOICE
  • Middle School: SCHOOL CHOICE
  • High School: SCHOOL CHOICE
  • Pet Policy: Number Limit
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator/Icemaker, Washer
  • MLS#: 226004628
  • Days on Market: 16 days
  • Website: https://www.raveis.com
    /prop/226004628/20438ardoreln_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 KELLER WILLIAMS ELITE REALTY   Phone: 239-949-8338

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.

Customer Service

888.699.8876

Contact@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.

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
  • 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

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@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

20438 Ardore LN, Estero, FL, 33928

$550,000

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 $440,000 $440,000 $440,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.197% 6.132% 5.541%
Monthly Tax Payment $455 $455 $455
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,498 $2,635 $3,537
Total Monthly Payment $3,045 $3,182 $4,084

* 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.