23234 Coconut Shores DR, Estero, FL, 34134 | $415,000

One or more photo(s) has been virtually staged, AI generated or rendered. Some homes are just houses. This one has always been something more. Originally built as the model home for Coconut Shores, 23234 Coconut Shores Drive was designed from the start to make people stop, look around, and imagine their life here. That feeling hasn't faded.
Inside, tile flows through the main living areas while new luxury vinyl tile in two of the three bedrooms adds a warm, finished feel underfoot — the kind of thoughtful detail that signals a home that's been truly cared for. With 1, 703 square feet of well-appointed living space, three bedrooms, and two full baths, there's room to spread out, settle in, and truly make it yours. A brand-new tile roof installed in 2020 means the big-ticket worries are already handled before you ever turn the key.
But the real story of this home unfolds in the evening, when the western sun begins its slow descent and the back of the house comes alive with color. Slide open the doors, step onto your screened lanai, and ease into your private jetted, heated dipping pool/spa. In front of you, a serene lake stretches out, animated by two dancing water features and anchored by a lush privacy island that closes off the world just enough to make this corner feel entirely your own. Shades of amber and rose reflect off the water as the sun sets directly in front of you. This is the view. This is the moment. This is the life.
Located on the west side of US-41 in the heart of Estero, Coconut Shores carries the coveted X Flood Zone designation — no flood insurance required — and delivers resort-style living right outside your door. Pickleball, tennis, a community pool, fitness center, and a tiki bar with grills are all just a short stroll away, and cable and WiFi are included in the HOA dues. Coconut Point Mall's dining, shopping, and entertainment are just minutes down the road.
Meticulously maintained, move-in ready, and set on one of the community's most coveted lots — homes like this, with model-home bones, a private west-facing pool spa, lake and island views, and no flood zone requirement, simply don't come available often. Schedule your private showing today and come see the sunset for yourself.

Features

  • Amenities: Basketball,BBQ - Picnic,Community Park,Community Pool,Community Spa/Hot tub,Exercise Room,Internet Access,Pickleball,Play Area,Sidewalk,Streetlight,Tennis Court,Underground Utility
  • Bedrooms: 3
  • Baths: 2 full
  • Style: 1 Story/Ranch
  • Development: COCONUT SHORES
  • Year Built: 2001
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 1,703
  • Acreage: 0.12
  • Est. Taxes: $3,128
  • HOA Fee: $590 Quarterly
  • Master HOA Fee: $763
  • Lot Desc: Zero Lot Line
  • View: Lake,Landscaped Area,Water,Water Feature
  • Community Type: Gated
  • Water Front: Yes
  • Pet Policy: Limits
  • MLS#: 226020076
  • Website: https://www.raveis.com
    /prop/226020076/23234coconutshoresdr_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 Downing Frye Realty Inc.

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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

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23234 Coconut Shores DR, Estero, FL, 34134

$415,000

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 $332,000 $332,000 $332,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $261 $261 $261
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,044 $2,126 $2,779
Total Monthly Payment $2,380 $2,462 $3,115

* 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.