4 Bed Waterfront Home for Sale in Bella Terra
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For SaleMLS# 2026036609

$795,000

4 Bed Waterfront Home for Sale in Bella Terra

20458 Torre Del Lago Street, Estero, FL, 33928

4 beds3 baths3,036 sqft2 garage
GatedPickleballTennisBocceFitness CenterClubhouseBasketballPlaygroundCommunity PoolWaterfront

About this home

Better Than New! Fully Remodeled Lakeside Masterpiece in Bella TerraWhy wait for new construction when you can have a completely reimagined home with premium upgrades already in place? Located in the highly desirable, amenity-rich community of Bella Terra, this spectacular 4-bedroom plus den, 3-full-bath lakefront home offers unparalleled luxury, modern design, and ultimate peace of mind. Every inch of this property has been meticulously updated with top-tier finishes and extensive structural enhancements.The exterior features incredible curb appeal with a brand-new tile roof installed in 2023, fresh exterior paint, and professionally designed new landscaping. For maximum safety and efficiency, the entire home features brand-new hurricane impact glass, including all sliders and the front entry door. Infrastructure upgrades continue with all-new above-ground plumbing and fixtures throughout, a new multi-zone air conditioner and air handler with digital thermostats and surge protectors, and all-new recessed can lighting that beautifully illuminates the home. You will also enjoy absolute peace of mind during any storm with a whole-house 24K generator supported by an underground propane tank, fully backed by a 10-year warranty.Inside, the home transitions seamlessly with gorgeous, brand-new tile flooring flowing through every single room. The breathtaking, fully remodeled gourmet kitchen and master bathroom both feature premium ShelfGenie glide-out systems for effortless organization. Storage is maximized throughout the home, including the kitchen, pantries, and bedroom closets, thanks to high-end customized shelving by Inspired Closets. The owners even added a stylish, custom barn-door style pantry to ensure you never run out of space.The immaculate presentation extends into the fully remodeled garage, which features a professionally painted floor, custom cabinets, and heavy-duty overhead storage. The garage also houses a premium Kinetico whole-house water filtration system, complete with a reverse osmosis system for pristine drinking water inside. Step out back to enjoy sweeping lake views from your private vantage point, and take advantage of Bella Terra’s resort-style amenities including a premier pool, fitness center, tennis, and pickleball. This home is truly in a league of its own—schedule your private tour today!

Property details

Type
SingleFamilyResidence
Year built
2006
Interior
3,036 sqft
Lot size
9,016.92 sqft
Acreage
0.21 acres
Garage
2 car
Days on market
0
Total association fees
$3,244/yr (~$270/mo)
CDD
Yes
Est. taxes (1.4%)
$11,130/yr
Flood zone (area est.)
No · Low risk (X)
Storm protection
Impact Windows/Doors
Exposure
Northwest
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

AssociationManagementCableTvLegalAccountingMaintenanceGroundsRecreationFacilities

What the association dues cover, per the MLS. Confirm the full schedule with the HOA.

Amenities

BasketballCourtBocceCourtBikeStorageBusinessCenterClubhouseSportCourtFitnessCenterBarbecuePicnicAreaPlaygroundPickleballPoolSpaHotTubTennisCourtsTrailsManagement

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.

At marketThis home is priced in line with comparable recent sales.
This home
$262/sqft
Comp median
$255/sqft
Difference
+3%

Based on the $/sqft of 11 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.

AddressSoldSold priceBeds/BathsSq ft$/sqft
20638 Torre Del Lago StreetDec 2025$665,0005/32,992$222
20184 Camellia Crosse LaneMay 2026$660,0004/42,976$222
12667 Caballo CourtOct 2025$779,9003/43,004$260
12668 Caballo CourtNov 2025$759,9004/42,909$261
20970 Torre Del Lago StreetMay 2026$780,0005/32,932$266
20111 Camellia Crosse LaneMay 2026$850,0004/42,976$286
Average6 comps$749,133$253

Market trends, Bella Terra

Median list
$519,500
Median $/sqft
$237
Median sold (90d)
$467,000
Avg days on market
23
Active listings
17
Median sold price · Bella Terra
$458,500last 3 months4.2% vs $440,000 prior 3 months
Median closed price by month · Bella Terra
9.9% MoM16.6% YoY
$375k$488k$600kJul ’25Aug ’26
$467,000Aug ’26 · 5 sales

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.

The good, the trade-offs & the location

Pros
  • Built 2006 — post-2002 Florida wind codes (typically lower insurance)
  • Lower flood risk (zone X)
  • Waterfront
  • Storm protection: Impact Windows/Doors
  • 2-car garage
Location convenienceHigh
Hospital
10.9 mi
Gulf Coast Medical Center
Beach
9.8 mi
Lovers Key State Park
Airport
6.6 mi
RSW Intl (Fort Myers)
Shopping
2.6 mi
Miromar Outlets

Straight-line distances to major SWFL amenities, approximate; actual drive times vary.

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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.