20474 NAPA LOOP, ESTERO, FL, 33928
Active118 days on marketListed Mar 17, 2026MLS #A4686578
About this home
20474 NAPA LOOP
Enjoy Southwest Florida living at its finest in this beautifully upgraded Doral floorplan, located in the sought-after Corkscrew neighborhood of Verdana Village in Estero. Situated on a large 72' lot adjacent to a right-of-way, this thoughtfully designed split-bedroom floor plan offers both privacy and functionality, complemented by numerous high-end upgrades throughout the home. The chef-inspired kitchen features a 5-burner gas stove, quartz countertops, pearly marble backsplash, and a four-cabinet pantry with convenient pull-outs. A reverse osmosis system with alkaline water option provides premium drinking water. Impact windows are installed throughout the home (excluding the beautiful aquarium window in the kitchen nook), and upgraded lighting enhances the bright, open living spaces. Additional features include a tankless gas water heater and a garage with epoxy flooring and overhead storage. Step outside to a spacious lanai with serene water views, perfect for relaxing or entertaining, complete with a heated pool and hot tub to enjoy year-round Florida living. Residents of Verdana Village enjoy an exceptional lifestyle with amenities that rival the finest resorts including a clubhouse, freestyle pool and spa, indoor and outdoor dining, coffee shop, fitness center, pickleball and tennis courts, basketball court, playground, dog park, craft room, and a full social calendar of community events. Conveniently located near shopping, dining, and Southwest Florida’s beautiful beaches, this home offers the perfect blend of luxury, comfort, and community living.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,553
Sqft
0.25 ac
Lot size
3
Garage
2023
Year built
One
Levels
$337
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$6,246 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,246/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Estero actives
$337 vs $295
Days on market
118 vs 24 typical
Where $337/sqft sits among the 9 Estero actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Verdana
Get to know Estero. See the full Estero guide →
Verdana — neighborhood snapshot
Population
116
Median age
45
Median income
$99,872
Median home value
$574,500
Avg household
3
Households w/ children
13%
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Estero market
$805K → $628K
Estero median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
2 of 9
Estero actives have cut their price
Median sold price, Estero, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% above the Verdana median. See the full Estero market guide →
Paper trail
This home's history
Reality check
What actually sold near 20474 NAPA LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$505,000
18566 IVES DR, Estero FL 33928 · same community
4 bd · 3 ba · 2,080 sqft · $243/sqft · 57 DOM
Sold · Oct ’25$340,000
19625 HINKLEY DRIVE · same community
3 bd · 2 ba · 1,417 sqft · $240/sqft · 0 DOM
Sold · Aug ’25$630,000
20278 KINGMONT DRIVE
3 bd · 3 ba · 2,434 sqft · $259/sqft · 16 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 20474 NAPA LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20474 NAPA LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
20474 NAPA LOOP FAQs
What would the monthly payment be for 20474 NAPA LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,246/mo — principal and interest, the actual property-tax bill, the $230/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 20474 NAPA LOOP?+
The association fee works out to $230 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20474 NAPA LOOP?+
The most recent tax bill on record (2024) was $10,728. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 20474 NAPA LOOP?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Estero?+
At $859,900, this home is listed about 62% above the Estero median of $529,450. The market section on this page shows how the area is trending.
Which schools are assigned to 20474 NAPA LOOP?+
Pinewoods Elementary School (elementary), Bonita Springs High School (high), Three Oaks Elementary School (elementary), Estero High School (high), Three Oaks Middle School (middle), Bonita Springs Elementary School (elementary), Bonita Springs Middle Center For The Arts (middle), Spring Creek Elementary School (elementary), San Carlos Park Elementary School (elementary), Rayma C. Page Elementary School (elementary), South Fort Myers High School (high), Lexington Middle School (middle) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$859,900 runs 38% above the Verdana median — but at 2,553 sqft it's also 48% larger than the typical Estero listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
118 days on market against a Estero median of 24 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Pinewoods Elementary School, Bonita Springs High School, Three Oaks Elementary School, Estero High School, Three Oaks Middle School, Bonita Springs Elementary School, Bonita Springs Middle Center For The Arts, Spring Creek Elementary School, San Carlos Park Elementary School, Rayma C. Page Elementary School, South Fort Myers High School, Lexington Middle School — Pinewoods Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICE · Faith Michael. MLS #A4686578.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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