20281 Fair Oak LN, Estero, FL, 33928 | $875,000

This beautifully upgraded Olympia floor plan in RiverCreek offers almost 3, 700 square feet with 4 bedrooms + den, 5 full bathrooms, a loft, and a 3-car garage on a premium lake-view lot just steps from the community clubhouse and amenities.
Designed for both everyday living and entertaining, the open-concept layout features a spacious great room overlooking the water, a first-floor bedroom with full bath access, a functional mudroom, impact-resistant windows and doors throughout, and thoughtful designer finishes. The kitchen is the centerpiece of the home with quartz countertops, upgraded cabinetry, stainless steel appliances, chimney hood, and an oversized island that flows seamlessly into the dining and living spaces.
Upstairs, every bedroom features its own en suite bathroom, offering privacy and comfort for family and guests alike. The spacious primary suite includes dual walk-in closets, dual vanities, a Roman soaking tub, and a separate walk-in shower.
Step outside to the screened lanai and enjoy peaceful long lake views with room for a future custom pool. Already plumbed for an outdoor kitchen, this backyard is ready to become your own private Florida retreat.
The 3-car garage includes an electric vehicle charging station along with ample storage space.
Located in one of Estero’s newest gated resort-style communities, RiverCreek residents enjoy access to a 12, 000-square-foot clubhouse with resort pool, fitness center, indoor sports complex, pickleball courts, tennis courts, bocce, splash park, playground, fire pit lounge, card rooms, and more. Conveniently located near shopping, dining, RSW Airport, and Southwest Florida’s beautiful Gulf beaches and we are not in a flood zone for added peace of mind.

Features

  • Amenities: Basketball, Billiards, Bocce Court, Cabana, Clubhouse, Community Boat Ramp, Park, Pool, Community Room, Fitness Center, Hobby Room, Pickleball, Playground, Sidewalks, Street Lights, Tennis Court(s), Gated, Tennis
  • Rooms: 9
  • Bedrooms: 4
  • Baths: 5 full
  • Lot Size: 50 x 50 x 115 x 115
  • Laundry: Inside
  • Style: Contemporary
  • Year Built: 2024
  • Garage: 3-car Driveway Paved, Garage Door Opener, Attached
  • Heating: Natural Gas
  • Cooling: Central Electric, Zoned
  • Basement: Central Electric, Zoned
  • Approx Sq. Feet: 4,701
  • Acreage: 0.13
  • Lot Size: 50 x 50 x 115 x 115
  • Est. Taxes: $11,193
  • Lot Desc: Regular
  • View: Lake
  • Water Front: Yes
  • Elem. School: PINEWOODS
  • Middle School: THREE OAKS MIDDLE SCHOOL
  • High School: SCHOOL CHOICE
  • Pets Allowed: Yes
  • Pet Policy: No Approval Needed
  • Appliances: Gas Cooktop, Dishwasher, Disposal, Double Oven, Dryer, Microwave, Refrigerator/Freezer, Self Cleaning Oven, Wall Oven, Washer
  • MLS#: 226016824
  • Days on Market: 0 day
  • Website: https://www.raveis.com
    /prop/226016824/20281fairoakln_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 ROYAL SHELL REAL ESTATE, INC.   Phone: 239-992-9100

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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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20281 Fair Oak LN, Estero, FL, 33928

$875,000

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 $700,000 $700,000 $700,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.350% 6.259% 6.183%
Monthly Tax Payment $933 $933 $933
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,197 $4,253 $5,907
Total Monthly Payment $5,222 $5,278 $6,932

* 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.