Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

1 / 50

List Price

$859,000

20404 Estero Crossing, Estero, FL 33928

9 days on market

Estimated Payment

$6,709/mo

20% down and current market rates

Bedrooms5 bdBathrooms5 baLiving area3,736 Square FeetYear builtBuilt 2024

Listed by

Cindy Cyrus

Compass Florida LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Expansive lake views. Exceptional space. An immediate sense of home. One of RiverCreek’s finest and largest floor plans, this Olympia model pairs an impressive sense of scale with the warmth of sunlit interiors. Built in 2024 and barely lived in, this GL Homes residence welcomes you with sparkling water views from the moment you enter. Concrete block construction on both levels, not just the first, and impact windows complement its like-new condition, offering a compelling blend of quality, comfort, and lasting appeal. Spacious 3,736 square feet of living space under air offer 5 bedrooms, 5 full bathrooms, a spacious loft, a 3-car garage with significant shelf space and an extra refrigerator. Beautiful tile floors, light cabinetry and lots of natural light let the home appear very uplifting and comfortable. The open-concept design connects the kitchen, dining area, and great room, framing the water view and creating an ideal setting for both everyday living and entertaining. The kitchen is the heart of the home, featuring a large center island, GE appliances, GAS cooking, and a generous pantry, designed with busy families in mind. Step outside to the sunny lanai and begin each day with coffee and spectacular morning views across the river, or unwind in the evening with a glass of wine overlooking the water. It is a setting you will treasure every single day. The primary suite is a private retreat, complete with dual walk-in closets and an oversized walk-in shower, while most secondary bedrooms offer walk-in closets of their own. Upstairs, the versatile loft opens to views and adapts easily as a media room, playroom, or second living area, giving everyone room to gather or unwind. Elegant window coverings throughout add a polished, move-in-ready finish.

20404 Estero Crossing, Estero, FL 33928 in Estero, FL 33928 is listed for $859,000. The home has 5 bedrooms, 5 bathrooms, and 3,736 square feet, and was built in 2024. Listed 9 days ago. The listing is held by Compass Florida LLC.

33928 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$11,291 (tax year 2025)
HOA fee$386 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $171,800

$

$6,709/moest.

  • Principal & Interest 70%
  • Property Taxes 14%
  • Insurance 11%
  • HOA 6%
Principal & Interest
$4,666
Property Taxesfrom listing
$941
Insurance
$716
HOA
$386

30-year fixed at 7.203%, as of October 26, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.203% for a 30-year fixed loan (Optimal Blue daily, published October 26, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

Frequently Asked Questions

The estimated monthly payment is $6,709, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $11,291 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Based on information from the Florida Gulf Coast Multiple Listing Service, Inc. for the period Oct 27, 2026 5:57 AM ET through Oct 28, 2026 5:57 AM ET. MLS# 1193401441. HomeJam is not the listing broker.

List Price

$859,000

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.