21048 Cosenza CT, Estero, FL, 33928 | $419,000

Private Preserve Views in Bella Terra's Largest Villa Floor Plan w/3bed, 2bth, 2-car garage attached villa offers nearly 1, 900 sq ft of one-story living. Tucked on a quiet cul-de-sac, nothing across the street and nothing visible behind you, just preserve, and the deer and birds that come with it. Enter through a private, screened front porch, to the open kitchen, dining, and living space, which makes the home comfortable for everyday life and entertaining. The primary suite sits at the back of the home for privacy, w/two walk-in closets w/adjustable rack systems, a separate tub/shower, and dual sinks. The other two bedrooms are at the front of the home, giving everyone their own space. Recent updates are meaningful, not cosmetic. The interior was fully repainted in a neutral color, ceilings, walls, and baseboards included. New water heater 2025, new garbage disposal, barn door added in the primary bedroom leading to bathroom, a stove vent routed directly outside, and pre-wiring for a generator. The A. C. system is a Trane 17 SEER XL Series 3-ton unit installed in 2017, carrying a 12-year compressor and 10-year parts warranty, with extra ducts added to the primary bedroom and the bedroom facing the unattached neighbor for better comfort control. A Halo whole-home water filtration system was added in 2019, and the refrigerator was replaced in 2023. Both bathrooms have power flush toilets, Gerber in the primary and Kohler in the guest bath. Additional details buyers appreciate: shutters throughout with cross heads, wooden cornices over the sliding glass door shades, drainage installed between villas with downspouts tied in, a security system pre-wired for Power Over Ethernet, and garage wall organization with ceiling-mounted safe racks. Active maintenance agreements are in place with RDS and Next Plumbing, and the buyer is welcome to call either company directly with questions. Plumbing and A. C. maintenance are both current through June 2026. Roof replacement is already scheduled for 2031, and exterior painting is scheduled for early 2027, with the new owner coordinating alongside the adjoining neighbor to select a color from HOA-approved options. The extended lanai out back is where you'll want your morning coffee, quiet, private, and facing straight into the preserve. This is a maintenance-free villa, with HOA covering exterior painting, roof reserves, pest control, lawn and landscaping, irrigation, and even Hotwire cable and internet. Not in a flood zone. Bella Terra is a guard-gated community set across 100 acres of lakes and 400 acres of conservation preserve, clubhouse, fitness center, resort-style pool, hot tub, waterfall, plus pickleball, tennis, bocce, basketball, multi-use sports fields, inline skate park, and volleyball. Minutes to Publix, Miromar Outlets, RSW International Airport, Hertz Arena, & Gulf Coast Town Center, easy access to I-75. Well cared for, thoughtfully upgraded, and ready for its next owner. Some Virtual Staged Photos

Features

  • Amenities: Basketball, Bike And Jog Path, Bocce Court, Clubhouse, Park, Pool, Community Room, Fitness Center, Hobby Room, Pickleball, Playground, Sidewalks, Street Lights, Tennis Court(s), Volleyball, Gated, Tennis
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Washer/Dryer Hookup, Inside
  • Year Built: 2006
  • Garage: 2-car Driveway Paved, Garage Door Opener, Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fan(s), Central Electric
  • Basement: Ceiling Fan(s), Central Electric
  • Approx Sq. Feet: 2,352
  • Acreage: 0.13
  • Est. Taxes: $5,815
  • HOA Fee: $685 Quarterly
  • Lot Desc: Regular
  • View: Preserve, Trees/Woods
  • Elem. School: SCHOOL CHOICE
  • Middle School: SCHOOL CHOICE
  • High School: SCHOOL CHOICE
  • Pet Policy: Number Limit
  • Appliances: Electric Cooktop, Dishwasher, Disposal, Refrigerator/Freezer
  • MLS#: 226024655
  • Days on Market: 0 day
  • Website: https://www.raveis.com
    /prop/226024655/21048cosenzact_estero_fl?source=qrflyer
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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.
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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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21048 Cosenza CT, Estero, FL, 33928

$419,000

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 $335,200 $335,200 $335,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $485 $485 $485
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,008 $2,116 $2,784
Total Monthly Payment $2,568 $2,676 $3,344

* 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.