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20221 Estero Gardens CIR #105, Estero, FL, 33928

1beds
2baths
1,018sqft
$239,000
$235price/sqft
$1,779/moest. monthly cost
$71,160/yrincome needed

About This Home

Experience resort-style living in this beautifully maintained 1-bedroom plus den, 2-bath coach home in the highly sought-after Villagio community in Estero. Perfectly positioned to capture one of the most breathtaking long lake views in the entire community, this residence offers a peaceful waterfront setting that's ideal for enjoying morning coffee or spectacular Southwest Florida sunsets from your private screened lanai. The versatile den provides the perfect space for a home office, guest room, or hobby area, while the open-concept floor plan creates a bright and welcoming atmosphere for everyday living and entertaining. Villagio is one of Estero's most desirable gated communities, offering an unmatched lifestyle with 24-hour security and an impressive collection of resort-style amenities. Residents enjoy two swimming pools and a spa, a fitness center, tennis and pickleball courts, a private movie theater, a charming Town Center with a café and sports bar, scenic walking paths, and beautifully landscaped grounds with Mediterranean-inspired architecture. Conveniently located just minutes from Coconut Point Mall, Miromar Outlets, Gulf Coast Town Center, Southwest Florida International Airport, FGCU and the white sand beaches of the Gulf, this exceptional home combines comfort, convenience, and one of the finest water views Villagio has to offer.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10
8/10
Three Oaks Middle SchoolGrades 6-82.2 mi
4/10
Estero High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 2004

Materials

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

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator/Freezer,Washer
  • Laundry features: Inside

Bedroom

  • Features: First Floor Bedroom

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Features: Breakfast Bar, Dining - Family

Features

  • Built-In Cabinets,Smoke Detectors,Walk-In Closet(s),Den - Study,Laundry in Residence,Screened Lanai/Porch
  • Door features: Impact Resistant Doors
  • Window features: Impact Resistant Windows
  • Flooring: Tile,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,018
  • Total interior livable area: 1,018 sqft

Kitchen

  • Features: Pantry

Property

Details

  • Parcel number: 264625E401011.0105

Features

  • Stories: 1
  • Pool features: Community
  • Patio & porch: Screened Lanai/Porch
  • Has view: Yes
  • View description: Pond,Water Feature
  • Has water view: Yes
  • Water view: Pond,Water Feature
  • On waterfront: Yes
  • Waterfront features: Fresh Water,Lake
  • Frontage type: Lakefront

Lot

  • Lot size: 0.33 Acres
  • Features: Regular

Parking

  • Total spaces: 1
  • Parking features: Guest,Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
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 $1,208$14,496
Home Insurance *$119$1,428
Property Taxes $255$3,060
Electricity $197$2,366
Total$1,779$21,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$60,994/yr
40% on housing$53,370/yr
45% on housing$47,440/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

$235This listing

vs Other Active Listings

Avg $/sqft

ZIP 33928$213
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
2026-07-11Listed for sale$239,000
2023-02-22Sold$299,900
2023-01-26Pending sale$309,000
2022-12-31Price change$309,000
2022-11-30Listed for sale$319,000
2021-12-15Listing removed--
2021-12-09Listed for sale$260,000
2004-11-05Sold$175,600

For Sale by Agent

AgentRebecca Troyer
BrokerageReal Broker, LLC

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