20128 Torch Key WAY, Estero, FL, 33928
About This Home
Welcome to effortless Florida living in Tidewater by Del Webb, one of Estero's most sought-after 55+ gated communities. Meticulously maintained and beautifully updated, this lakefront villa offers 2 bedrooms plus an open den, providing the perfect space for a home office, hobby room, or additional guest accommodations. The open-concept floor plan is designed for both everyday living and entertaining, featuring a spacious kitchen with stainless steel appliances, a gas range, ample cabinetry, and a large island overlooking the dining and living areas. Hurricane sliding glass doors open to the extended screened lanai, where you'll enjoy peaceful lake views and stunning SWFL sunsets. Thoughtfully upgraded throughout, this move-in-ready home features HURRICANE IMPACT WINDOWS AND DOORS, luxury vinyl plank flooring (2025) throughout the main living areas, new carpet in both bedrooms, PLANTATION SHUTTERS (2025), new ceiling fans, a NEW DISHWASHER (2025), and a brand NEW WATER HEATER (2026). The epoxy-coated garage floor and built-in shelving provide exceptional functionality and storage, completing this meticulously cared-for home. Residents of Tidewater enjoy an exceptional resort-style lifestyle with a clubhouse, fitness center, resort-style pool and spa, tennis, pickleball, bocce, walking paths, and a vibrant social calendar. Ideally located just minutes from Coconut Point, Gulf Coast Town Center, RSW International Airport, world-class dining, shopping, and Southwest Florida's beautiful beaches, this impeccably maintained villa offers the perfect blend of comfort, convenience, and low-maintenance living.
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 2017
Materials
- Foundation: Concrete Block
- Roof: Tile
- Construction materials: Block,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator/Freezer,Washer
- Laundry features: Inside
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: Breakfast Bar
Features
- Walk-In Closet(s),Den - Study,Laundry in Residence,Screened Lanai/Porch
- Door features: Impact Resistant Doors
- Window features: Impact Resistant Windows
- Flooring: Laminate
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 1,971
- Total interior livable area: 1,544 sqft
Property
Details
- Parcel number: 264625E235000.1650
- Zoning: MPD
Features
- Stories: 1
- Pool features: Community
- Patio & porch: Screened Lanai/Porch
- Has view: Yes
- View description: Lake,Water
- Has water view: Yes
- Water view: Lake,Water
- On waterfront: Yes
- Waterfront features: Lake
- Frontage type: Lakefront
Lot
- Lot size: 4,290 sqft
- Features: Regular
Parking
- Total spaces: 2
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Inland Flooding
- Lightning
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Lee County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,477 | $29,724 |
| Home Insurance * | $245 | $2,940 |
| Property Taxes | $541 | $6,492 |
| Electricity | $197 | $2,366 |
| Total | $3,460 | $41,520 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-04 | Pending sale | $489,900 |
| 2026-07-20 | Listed for sale | $489,900 |
| 2025-06-23 | Sold | $475,000 |
| 2025-05-29 | Listing removed | $2,900 |
| 2025-05-28 | Pending sale | $499,999 |
| 2025-04-08 | Listed for rent | $2,900 |
| 2025-03-27 | Listed for sale | $499,999 |
| 2017-06-06 | Sold | $348,215 |
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