$625,000
4 Bed 3 Bath SingleFamilyResidence for Sale in BELLA TERRA, FL
20522 Ardore Lane, Estero, FL, 33928
About this home
A two-story with all the glory, a stunning residence in the highly sought-after gated community of Bella Terra in Estero. This 4+Den, 3-bath, two-story home spans 2,557 square feet of beautifully upgraded living space, offering features typically reserved for luxury homes in the $2M–$3M range. Nearly every aspect of this property has been enhanced, beginning with a new roof (2020), a brand-new HVAC system (2025), and a European high-capacity tankless water heater (2025), ensuring long-term comfort and peace of mind. The centerpiece of the home is a remarkable $70,000 European-inspired kitchen featuring $50,000 quartz countertops, top-of-the-line appliances, dual dishwashers, double laundry setups, and custom designer feature walls with a statement fireplace. Additional upgrades include fully renovated bathrooms ($50K), luxury vinyl plank flooring ($30K), a new air handler, a mini-split A/C in the garage, blown-in insulation, a full LED lighting package, epoxy garage flooring, whole-home water filtration, and a newly installed hot tub with professional electrical wiring. The screened lanai with its picture-window design provides a serene space to relax and take in the tranquil surroundings. Bella Terra residents enjoy resort-style amenities with low HOA fees, including a lagoon-style pool, clubhouse, fitness center, pickleball, tennis, basketball, bocce, an inline skating rink, playgrounds, sports fields, and scenic walking trails. Perfectly located just minutes from Coconut Point, Miromar Outlets, Gulf Coast Town Center, FGCU, RSW International Airport, and the beaches of Bonita and Barefoot, this home offers the perfect blend of luxury, lifestyle, and convenience. With over $200,000 in recent upgrades, 20522 Ardore Lane is move-in ready and truly one of a kind.
Property details
- Type
- SingleFamilyResidence
- Year built
- 2006
- Interior
- 2,557 sqft
- Lot size
- 10,497.96 sqft
- Acreage
- 0.24 acres
- Garage
- 2 car
- Days on market
- 104
- Total association fees
- $3,244/yr (~$270/mo)
- CDD
- None
- Est. taxes (1.4%)
- $8,750/yr
- Flood zone (area est.)
- No · Low risk (X)
- Storm protection
- Impact Windows/Doors, Shutters
- Exposure
- Northwest
- Waterfront
- No
- Gulf access
- No
- Gulf access type
- N/A
- Pool
- No
- Spa
- Yes
- Natural gas
- No
- Water
- Not specified
- Sewer
- Public Sewer
- New construction
- No
- Pets
- Call, Conditional
- County
- Lee
Total association fees sums the core association dues the MLS feed provides (HOA, condo/master association, and land lease), normalized to a yearly figure. These are separate from and additional to specialty charges — mandatory club or food-and-beverage minimums, special assessments, and rec-lease fees — which the IDX feed does not carry. Always confirm the full fee schedule with the HOA or listing agent.
Maintenance included in the fee
What the association dues cover, per the MLS. Confirm the full schedule with the HOA.
Amenities
Flood risk shown is an area-level estimate and can differ from a specific unit's actual FEMA designation (which varies by structure and elevation). Look up this address on the FEMA Flood Map and verify with a licensed insurance agent before relying on it.
Based on the $/sqft of 6 comparable homes sold nearby in the last 12 months. Indicative, not an appraisal.
Seeing several homes? Build a tour and we'll route it for you.
Your notes on this home
Keep private notes on this home — what you love, what to ask about — saved to your account and shared with your agent.
Recently sold nearby
Closed comparable sales within ~1 mile in the last 12 months — similar price, size, beds/baths, and age.
| Address | Sold | Sold price | Beds/Baths | Sq ft | $/sqft |
|---|---|---|---|---|---|
| 20905 Torre Del Lago Street | Apr 2026 | $605,000 | 4/3 | 2,553 | $237 |
| 13470 Villa Di Preserve Lane | Nov 2025 | $650,000 | 3/3 | 2,377 | $273 |
| 20964 Torre Del Lago Street | Jan 2026 | $630,000 | 4/2 | 2,362 | $267 |
| 21017 Bella Terra Boulevard | Dec 2025 | $565,000 | 4/3 | 2,606 | $217 |
| 21053 Bosco Court | May 2026 | $660,000 | 4/2 | 2,362 | $279 |
| 21024 Torre Del Lago Street | Mar 2026 | $689,500 | 4/2 | 2,662 | $259 |
| Average | 6 comps | $633,250 | $255 |
Market trends — Bella Terra
Median of closed MLS sales each month over the available window. Months with too few sales are omitted; the range extends automatically as more sales close.
Live community medians from the MLS · see all listings. Indicative, not an appraisal.
Price & status history
Down $50,000 (7.7%) from the original list price.
| Jan 27, 2026 | Sold | $600,000 |
| Dec 12, 2025 | Price reducedfrom $635,000 | $625,000 |
| Sep 26, 2025 | Listed | $650,000 |
The good, the trade-offs & the location
- Built 2006 — post-2002 Florida wind codes (typically lower insurance)
- Lower flood risk (zone X)
- Storm protection: Impact Windows/Doors, Shutters
- 2-car garage
Straight-line distances to major SWFL amenities — approximate; actual drive times vary.
Nearby schools
Get more information on their programs, scores, and extracurriculars on each school's page · browse the full schools directory.
Similar homes nearby
$535,000
MLS# 22602169720269 Millrun Drive, Estero, FL, 33928
$585,000
MLS# 22601675918307 Parksville Drive, Estero, FL, 33928
$520,000
MLS# 22602461219825 The Place Boulevard, Estero, FL, 33928
$739,000
MLS# 202600868617526 Elkgrove Lane, Estero, FL, 33928
$675,000
MLS# 202602354820581 Fair Oak Lane, Estero, FL, 33928
$569,000
MLS# 22602325018364 Ridgeline Drive, Estero, FL, 33928
Similar communities
Matched by amenities, price tier, and location to Bella Terra.
Listing information is provided in part by the Florida Gulf Coast Multiple Listing Service (MLS) through its Broker Reciprocity / Internet Data Exchange (IDX) program. Properties displayed may be listed by brokerages other than SWFL Relocation Team. Data is deemed reliable but is not guaranteed accurate by the MLS or this brokerage and should be independently verified. Fees, flood zones, taxes, square footage, and school assignments are estimates from the feed and must be confirmed. © 2026 SWFL Relocation Team. All rights reserved.