$515,000
4 Bed 3 Bath Waterfront SingleFamilyResidence for Sale in BELLA TERRA, FL
13098 Cardeto Court, Estero, FL, 33928
About this home
Lake & Preserve Views – 4 Bedrooms, 3 Baths in Bella Terra Tucked into one of Estero’s most desirable tree-lined neighborhoods, this one-story home offers 2,032 sq. ft. of great room living space with 4 bedrooms, 3 baths, and a 2-car garage — all positioned on a gorgeous cul-de-sac lot with long-lake views out. Fresh, light, and bright, this original-owner home has been meticulously maintained and is move-in ready. Enjoy peace of mind with hurricane impact windows, Storm Smart shutters, a newer roof and gutters, whole-house surge protection, and an A/C surge protector. The spacious owner’s suite features two walk-in closets and a luxurious bath with dual sinks, a soaking tub, and a separate shower. The lanai is the perfect place to take in serene preserve views and year-round sunsets — the essence of Florida living. Bella Terra spans 999 acres with 400 acres of conservation preserves and 100 acres of lakes. Amenities include a resort-style clubhouse, 24-hour fitness center, resort pool and spa, shaded children’s play area, tennis, pickleball, basketball, softball, bocce, sand volleyball, in-line skate rink, butterfly garden, and a full calendar of activities including bingo, boot camp, water aerobics, poker, and food truck nights. Right home, right neighborhood, right price — schedule your private showing today.
Property details
- Type
- SingleFamilyResidence
- Year built
- 2012
- Interior
- 2,032 sqft
- Lot size
- 7,492.32 sqft
- Acreage
- 0.17 acres
- Garage
- 2 car
- Days on market
- 0
- Total association fees
- $3,244/yr (~$270/mo)
- CDD
- None
- Est. taxes (1.4%)
- $7,210/yr
- Flood zone (area est.)
- No · Low risk (X)
- Storm protection
- Impact Windows/Doors, Shutters
- Exposure
- West
- Waterfront
- Yes
- Gulf access
- No
- Gulf access type
- N/A
- Pool
- No
- Spa
- No
- Natural gas
- No
- Water
- Public
- 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 3 comparable homes sold nearby in the last 12 months. Indicative, not an appraisal.
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Your notes on this home
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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 |
|---|---|---|---|---|---|
| 13117 Cardeto Court | Aug 2025 | $560,000 | 4/3 | 2,032 | $276 |
| 21188 Bella Terra Boulevard | Feb 2026 | $560,000 | 4/3 | 2,032 | $276 |
| 21116 Bella Terra Boulevard | Sep 2025 | $550,000 | 4/3 | 2,032 | $271 |
| Average | 3 comps | $556,667 | $274 |
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 $15,000 (2.9%) from the original list price.
| Nov 7, 2025 | Sold | $500,000 |
| Oct 22, 2025 | Listed | $515,000 |
The good, the trade-offs & the location
- Built 2012 — post-2002 Florida wind codes (typically lower insurance)
- Lower flood risk (zone X)
- Waterfront
- 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.
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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.