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20195 Hartford BLVD, Estero, FL, 33928

5beds
3baths
3,302sqft
$915,000
$277price/sqft
$6,248/moest. monthly cost
$249,920/yrincome needed

About This Home

MOVE IN READY! HUGE PRICE REDUCTION! Every detail has already been elevated and upgraded, allowing you to settle in immediately and enjoy the lifestyle this exceptional home offers. Positioned on a center lake lot in the #1 selling community in Southwest Florida, this stunning custom pool home showcases more than $200,000 in upgrades, including a grandfathered 12 foot extended roof over the lanai that creates an incredible outdoor living experience. This fully upgraded two story residence offers over 3,200 square feet of living space with 5 spacious bedrooms, including a first floor guest bedroom, 3 full bathrooms, a den, loft/media room with French doors, and a 3 car garage. The oversized 6 car driveway and manicured landscaping create a striking first impression, leading to a dramatic two story entry. Inside, the foyer immediately stands out with a custom accent wall that adds style and character from the moment you walk in. Just off the entry, the den provides the perfect flex space for a home office, reading room, or private retreat. A beautiful two tier staircase with a sitting area leads upstairs to the spacious loft. At the center of the home, the expansive kitchen and main living area were customized to impress. A completely redesigned oversized island becomes the focal point of the space with custom accent tile wrapping the island and a sleek glass backsplash adding dimension and texture. Quartz countertops, upgraded cabinetry, black stainless steel appliances, and designer finishes give the kitchen a polished modern feel. The layout flows seamlessly into the dining and living spaces. The family room features a custom TV feature wall along with an abundance of natural light and wide lake views that carry throughout the main living areas. The first floor bedroom and full bath offer privacy and flexibility for guests or multi generational living. Upstairs, the large loft provides endless versatility as a media room, game room, lounge, or play area. The second floor also includes the primary suite, 3 additional guest bedrooms, and another full guest bathroom, giving the home an ideal balance of shared and private spaces. The primary suite feels like its own private escape with tranquil lake views and beautiful natural light pouring through the windows. The spacious primary bath includes dual vanities, a soaking tub, walk in shower, linen closet, and two walk in closets. Secondary bedrooms are generously sized, while all bathrooms feature upscale quartz countertops that continue the home’s clean and sophisticated design. Step outside to an outdoor setting built to capture Southwest Florida living at its best. The expansive pool deck is enclosed with a panoramic screen that perfectly frames the long lake views beyond. The custom saltwater pool features beautiful tile work and creates the perfect backdrop for relaxing evenings and unforgettable sunsets.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

9/10
8/10
Three Oaks Middle SchoolGrades 6-89.1 mi
4/10

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Concrete Block
  • Roof: Tile
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator/Freezer,Self Cleaning Oven,Tankless Water Heater,Washer
  • Laundry features: Inside

Bedroom

  • Features: First Floor Bedroom, Master BR Upstairs

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Breakfast Bar, Eat-in Kitchen, Formal

Features

  • Bar,Built-In Cabinets,French Doors,Pantry,Smoke Detectors,Volume Ceiling,Walk-In Closet(s),Window Coverings,Den - Study,Family Room,Guest Bath,Guest Room,Laundry in Residence,Loft,Media Room,Screened Lanai/Porch,Workshop
  • Door features: French Doors,Impact Resistant Doors
  • Window features: Window Coverings,Impact Resistant Windows
  • Flooring: Carpet,Laminate

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,993
  • Total interior livable area: 3,302 sqft

Kitchen

  • Features: Built-In Desk, Gas Available, Island, Pantry

Property

Details

  • Parcel number: 304627L40300C.2230
  • Zoning: MPD

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Community,In Ground,Concrete,Gas Heat,Salt Water,Screen Enclosure
  • Patio & porch: Patio,Screened Lanai/Porch
  • Has spa: Yes
  • Spa features: Above Ground,Heated,Screened
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake
  • Frontage type: Lakefront

Lot

  • Lot size: 8,128 sqft
  • Features: Oversize

Parking

  • Total spaces: 3
  • Parking features: Driveway,Golf Cart,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

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

  • Cold Wave
    Cold WaveVery High
  • Hurricane
    HurricaneVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Inland Flooding
Lightning
Wildfire
Drought
Tsunami

FEMA Declared Disasters in Lee County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $4,626$55,512
Home Insurance *$458$5,496
Property Taxes $832$9,984
Electricity $332$3,987
Total$6,248$74,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$214,217/yr
40% on housing$187,440/yr
45% on housing$166,613/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 15.2%
15.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.7%
2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$277This listing

vs Other Active Listings

Avg $/sqft

ZIP 33928$212
Lee County$283

vs Homes Sold Last Month

Median $/sqft

ZIP 33928$273
Lee County$222

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)

Price History

DateEventPrice
2026-08-07Price change$875,000
2026-05-31Price change$915,000
2025-12-01Price change$949,000
2025-10-12Listed for sale$980,000
2025-09-25Listing removed$1,075,000
2025-08-02Listed for sale$1,075,000
2023-03-02Sold$666,300
2022-07-24Listing removed--
2022-07-19Listed for sale$591,297

For Sale by Agent

AgentMartin J Pecoraro
BrokerageRealty One Group MVP

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