20038 Serre DR, Estero, FL, 33928 | $375,000

Welcome to 20038 Serre Drive in the highly sought-after Bella Terra community in Estero, Florida. Ideally located on a low-traffic cul-de-sac near the front of the community, this move-in-ready attached villa is just steps from the resort-style amenities and main entrance gate, offering both convenience and an exceptional lifestyle.
This spacious open-concept villa features 2 bedrooms, 2 bathrooms and has been thoughtfully updated and meticulously maintained throughout.
A comfortable and inviting living room situated just beyond the entry foyer flows seamlessly into the heart of the home — a beautifully appointed kitchen featuring white shaker cabinetry, upgraded granite countertops, stainless steel appliances (approximately three years old), a stainless steel sink, and a spacious pantry. Adjacent to the kitchen is a spacious dining area that flows seamlessly into a convertible bonus area ideal for an additional living room or den.
Sliding glass doors open to the screened lanai overlooking lush landscaping and partial lake views. This peaceful outdoor space is perfect for enjoying your morning coffee or relaxing at the end of the day.
Privately located at the rear of the villa, the inviting primary suite features a walk-in closet, linen closet, dual vanities, and a walk-in shower. The guest bedroom and bathroom are located on the opposite side of the home, offering comfort and privacy for visitors.
Additional features include an inside laundry room, spacious two-car garage, waterproof luxury vinyl plank flooring throughout the main living areas, ceramic tile in the primary bath, recently painted guest bedroom and bathroom, and a new 40-gallon water heater installed in 2023.
Outside, enjoy an attractive paver driveway with additional parking and a long screened entryway leading to the front door. The exterior was freshly painted in March, and the HOA maintains the landscaping, roof, and exterior painting for low-maintenance living.
Bella Terra spans 999 acres with over 400 acres of preserve and 100 acres of lakes. Residents enjoy a 24-hour fitness center, tennis, pickleball, bocce, basketball, volleyball, soccer field, playground, butterfly garden, inline skate rink, scenic walking trails, and more. A resort-style pool with spa and waterfall, along with an additional ancillary community pool, provides year-round enjoyment.
The community also offers an active social calendar including food truck nights, bingo, poker, and water aerobics.
Conveniently located near RSW International Airport with easy access to I-75, Bella Terra is close to FGCU, Miromar Outlets, Coconut Point, Gulf Coast Town Center, Hertz Arena, and some of Southwest Florida’s best dining and shopping.
Whether you are searching for a full-time residence or seasonal retreat, this move-in-ready villa offers exceptional value, comfort, and lifestyle in one of Estero’s most desirable communities

Features

  • Building Design: Villa Attached
  • Amenities: Basketball,BBQ - Picnic,Bike And Jog Path,Bike Storage,Bocce Court,Clubhouse,Community Park,Community Pool,Community Room,Community Spa/Hot tub,Dog Park,Exercise Room,Internet Access,Pickleball,Play Area,Shuffleboard,Sidewalk,Streetlight,Tennis Court,Underground Utility,Volleyball
  • Bedrooms: 2
  • Baths: 2 full
  • Style: Duplex
  • Development: BELLA TERRA
  • Year Built: 2005
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 1,612
  • Acreage: 0.11
  • Est. Taxes: $3,683
  • HOA Fee: $751 Quarterly
  • Master HOA Fee: $573
  • Lot Desc: Cul-De-Sac,Regular
  • View: Lake,Landscaped Area
  • Community Type: Gated
  • Pet Policy: Limits
  • MLS#: 226020087
  • Website: https://www.raveis.com
    /prop/226020087/20038serredr_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 The Agency Naples

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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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20038 Serre DR, Estero, FL, 33928

$375,000

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 $300,000 $300,000 $300,000
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 $307 $307 $307
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,847 $1,921 $2,511
Total Monthly Payment $2,229 $2,303 $2,893

* 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.