20309 Fair Oak LN, Estero, FL, 33928 | $1,125,000

Elevated Luxury with Over $300, 000 in Designer Upgrades
Welcome to refined Florida living in this impeccably upgraded residence where luxury, style, and thoughtful craftsmanship converge. Showcasing numerous premium enhancements, this exceptional home has been meticulously curated with designer finishes and sophisticated details throughout.
From the moment you enter, you are welcomed by an elegant interior featuring custom lighting throughout, enhanced by designer sconces in the dining room, primary bath, and guest bedrooms. Beautiful custom wallpaper, upgraded door hardware, and thoughtfully selected finishes create a polished and elevated ambiance. The spacious open-concept floor plan is designed for both comfortable daily living and effortless entertaining.
The heart of the home features a beautifully appointed kitchen enhanced by a new premium Bluestar refrigerator, while the living area is elevated with a stunning custom built-in with integrated lighting, creating a warm and sophisticated focal point.
The luxurious primary suite and guest accommodations are thoughtfully enhanced with custom California Closets throughout, motorized blinds, custom mirrors and hardware, and upgraded carpeting in secondary bedrooms. A versatile office/den with a solid-core panel door offers privacy and flexibility, easily serving as a potential fourth bedroom.
Step outside to your own private resort-inspired retreat where no detail has been overlooked. The outdoor living experience is extraordinary, featuring a custom-designed pool, elegant lanai pavers, a No-See-Um screened enclosure, and a stunning custom Synergy wood ceiling that adds warmth and architectural distinction. Entertain effortlessly with the outdoor built-in kitchen and grill, all surrounded by lush professional mature landscaping, upgraded sod, and irrigation.
Additional notable upgrades include an expanded-width driveway, custom exterior lighting, exterior security cameras and alarm system, epoxy-finished garage floors, Wi-Fi extenders, and a new LG washer and dryer, providing convenience and peace of mind.
This extraordinary residence offers the perfect combination of luxury, comfort, and modern convenience—an exceptional opportunity to enjoy the very best of Southwest Florida living.

Features

  • Amenities: Basketball,BBQ - Picnic,Bike Storage,Bocce Court,Business Center,Cabana,Clubhouse,Community Park,Community Pool,Community Room,Community Spa/Hot tub,Fitness Center Attended,Internet Access,Pickleball,Sidewalk,Streetlight,Tennis Court,Underground Utility
  • Rooms: 3
  • Bedrooms: 3
  • Baths: 4 full
  • Style: 2 Story
  • Development: RIVERCREEK IN ESTERO
  • Year Built: 2024
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Central Electric
  • Approx Sq. Feet: 3,099
  • Acreage: 0.14
  • Est. Taxes: $10,518
  • HOA Fee: $1,185 Quarterly
  • Lot Desc: Regular
  • View: Lake
  • Community Type: Gated,Tennis
  • Water Front: Yes
  • Private Pool: Yes
  • Pet Policy: With Approval
  • MLS#: 226019307
  • Website: https://www.raveis.com
    /eprop/226019307/20309fairoakln_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 COLDWELL BANKER REALTY

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

20309 Fair Oak LN, Estero, FL, 33928

$1,125,000

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 $900,000 $900,000 $900,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.375% 6.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.399% 6.475% 6.309%
Monthly Tax Payment $877 $877 $877
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,468 $5,615 $7,656
Total Monthly Payment $6,469 $6,616 $8,657

* 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.