20421 Chapel TRCE, Estero, FL, 33928 | $2,189,000

Welcome to this custom 3-bedroom + den, 3. 5-bath residence in Chapel Ridge, set on an expansive lot on one of the highest elevations within prestigious West Bay Club. This spectacular home is perfectly designed for both comfort and entertaining. A grand double-door entry leads into a light-filled foyer with soaring ceilings and tile flooring throughout the main living areas, while wood flooring enhances the bedrooms and spacious den. The formal dining room features built-in cabinetry for storage, and a convenient half bath is located just off the entry. The kitchen is the centerpiece of the home with a large curved bar providing ample seating, a center island with rich brown cabinetry that contrasts with the light cream wood cabinets throughout, stainless steel appliances, gas cooktop with hood, and a generous walk-in pantry with built-ins, all complemented by a bright breakfast nook overlooking the outdoor living space. The primary suite offers wood flooring, tray ceiling with soft ambient cove lighting, sliding glass doors to the lanai, two large custom walk-in closets, and an oversized bath with dual vanities, a soaking tub, and a spacious walk-in shower, enhanced by an additional tankless water heater dedicated to the master bath. Both guest suites include wood flooring, large closets, and private access to a separate side patio with pergola, while the two full guest baths feature granite countertops, with one offering a walk-in shower and the other a tub/shower combination. Additional highlights include a large laundry room with built-in cabinetry, sink, and countertop space, hurricane impact windows, a tankless water heater and whole-house generator both powered by natural gas, a built-in entertainment system, LED dimmable ceiling lights throughout with remote control capability, and a three-car garage. Outdoor living is exceptional with a screened lanai offering covered and open seating areas, a resort-style L-shaped pool featuring a water fountain backdrop and hot tub that cascades into the pool, an outdoor kitchen with grill and refrigerator, and a cozy outdoor fireplace, all overlooking a spacious fenced backyard. Residents of West Bay Club enjoy a private Gulf-front Beach Club with full restaurant and bar, chair and towel service, and 200 feet of direct beach access. The newly renovated Bay House features a resort-style pool, yoga and Pilates studios, spinning and stretching rooms, sauna, Aqua Café for indoor or poolside dining, eight clay tennis courts, and a state-of-the-art Technogym fitness center. River Park offers Estero River access with a boat launch and Gulf access, boat storage, kayaks and canoes, a fishing pier, playground, picnic areas, basketball court, and a scenic 1. 5-mile walking trail. The Sports Park includes six pickleball courts, bocce courts, a fitness lawn, and two separate dog parks. Optional memberships are available for the private 18-hole Pete and P. B. Dye championship golf course and clubhouse.

Features

  • Amenities: Basketball,BBQ - Picnic,Beach - Private,Beach Club Included,Bike And Jog Path,Billiards,Boat Storage,Bocce Court,Business Center,Clubhouse,Community Boat Ramp,Community Park,Community Pool,Community Room,Community Spa/Hot tub,Dog Park,Exercise Room,Fishing Pier,Fitness Center Attended,Golf Course,Hobby Room,Internet Access,Pickleball,Private Beach Pavilion,Private Membership,Putting Green,Restaurant,Sidewalk,Streetlight,Tennis Court,Underground Utility
  • Bedrooms: 3
  • Baths: 3 full / 1 half
  • Style: 1 Story/Ranch
  • Development: WEST BAY CLUB
  • Year Built: 2006
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Central Electric
  • Approx Sq. Feet: 3,517
  • Acreage: 0.47
  • Est. Taxes: $12,177
  • Master HOA Fee: $2,595
  • Lot Desc: Regular
  • View: Landscaped Area
  • Community Type: Boating,Gated,Golf Course,Tennis
  • Boat Access: Boat Ramp
  • Private Pool: Yes
  • Pet Policy: With Approval
  • MLS#: 226014172
  • Website: https://www.raveis.com
    /eprop/226014172/20421chapeltrce_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 West Bay Realty LLC

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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:

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20421 Chapel TRCE, Estero, FL, 33928

$2,189,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,751,200 $1,751,200 $1,751,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.300% 6.235% 6.164%
Monthly Tax Payment $1,015 $1,015 $1,015
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $10,359 $10,640 $14,778
Total Monthly Payment $11,499 $11,780 $15,918

* 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.