David Ramirez
$445,000$475,0003 bd2 ba1,509 sqft$295 /sqft$3,840 /mo all-in ↓

20052 SERENE MEADOW LANE, ESTERO, FL, 33928

Active327 days on marketListed Sep 3, 2025MLS #TB8424028

Reduced $30KWaterfrontSingle Family ResidenceCASCADES/ESTERO PRCL A

About this home

20052 SERENE MEADOW LANE

Waterfront Property: This Lovely home is nestled in a remarkable community in Estero. The furniture is negotiable, and the property boasts built-in cabinets, a pantry, smoke detectors, tile flooring. Some of its key features include an automatic garage door, dishwasher, garbage disposal, washer and dryer, refrigerator with an ice maker, smoke detector, and an in-home dehumidifier for your comfort. As an added bonus, the sellers have completed a thorough duct cleaning within the past year, ensuring that the air remains fresh and clean. Community Benefits and Lifestyle Living in this delightful home offers more than just comfort—it's a gateway to a vibrant lifestyle. As part of the Cascades at Estero community, you'll enjoy a wealth of activities and amenities tailored to enhance your daily living. Whether you're interested in joining a club, participating in sports, or attending social events, there's something for everyone. A Place to Call Home Embrace the serene environment and friendly atmosphere that Cascades at Estero provides. With its lush landscaping and well-maintained facilities, this community is not just a place to live, but a place to thrive. From the moment you arrive, you'll feel welcomed and at home in this exceptional setting. Cascades at Estero is an active community designed for those aged 55 and above, allowing up to 20 of 100 residents to be under 55. This community provides an affordable lifestyle surrounded by lush landscaping and a diverse range of services and amenities. Conveniently located near Naples, Bonita Springs, and Fort Myers, we are also close to the international airport, I-75, and the beautiful Gulf beaches. The community boasts a state-of-the-art clubhouse facility that features: *An oversized outdoor pool and an attached indoor swimming pool *A ballroom for entertainment programs, dances, various parties, and theatre productions *A chorus program and numerous activities hosted by various clubs and activity groups In addition, the clubhouse includes: *A professional billiards room *Several card rooms *A library *An arts and crafts room equipped with a kiln for pottery Adjacent to the clubhouse, you will find a physical fitness center with modern workout equipment, a dance studio, and bathroom facilities, including showers and saunas. For residents living closer to the end of the community, there is also a full-size satellite pool. Sports and Recreation -five professional Har-Tru tennis courts and four pickleball courts, managed by a Director of Racket Sports. These facilities allow residents to participate in various competitive leagues within the Bonita Springs, Estero, and Fort Myers area. Both men's and women's teams have enjoyed remarkable success, securing First Place in both the fall and winter seasons in recent years. Cascades is also home to a vibrant bocce community with newly resurfaced and well-lit bocce courts.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,509

Sqft

0.14 ac

Lot size

2

Garage

2004

Year built

One

Levels

$295

Per sqft

WaterfrontNegotiable55+ communityPets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionStucco
FoundationSlab
FacesEast
ExteriorCourtyard · Irrigation System · Outdoor Grill · Rain Gutters · Sidewalk

Community & fees

HOA fee$485/mo
Taxes (2024)$4,536/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Sewer Connected
WaterPublic

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.

$3,840 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,620
FHA mortgage insurance (est.)$197
Property tax — 2024 actual bill$378
HOA fee — from the listing$485
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,575Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,575
Interest rate6.00%
Loan term

Estimated payment

$3,840/mo

Principal & interest$2,620
FHA mortgage insurance (est.)$197
Property taxes (actual bill)$378
HOA / condo fee$485
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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

$295 vs $316

Days on market

327 vs 24 typical

Where $295/sqft sits among the 7 Estero actives

1
0
0
2
0 · this home
4
$122–160$160–199$199–237$237–275$275–314$314+

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 Cascades

Map of 20052 SERENE MEADOW LANE inside its neighborhood boundary

Get to know Estero. See the full Estero guide →

Cascades — neighborhood snapshot

Population

1,476

Median age

70

Median income

$74,858

Median home value

$395,600

Avg household

2

Households w/ children

61%

For the school run

Lee County School District

ElementaryThree Oaks Elementary School★★★★
HighEstero High School★★★★★
MiddleThree Oaks Middle School★★★★
ElementarySan Carlos Park Elementary School★★★★
ElementaryPinewoods Elementary School★★★★
ElementaryRayma C. Page Elementary School★★★★
ElementarySpring Creek Elementary School★★★★★
HighBonita Springs High School★★★★★
HighSouth Fort Myers High School★★★★
MiddleBonita Springs Middle Center For The Arts★★★★★
MiddleLexington Middle School★★★★★
ElementaryBonita Springs Elementary School★★★★★
HighCypress Lake High School★★★★★
HighDunbar High School★★★★
HighFort Myers High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Estero market

Seller’s marketBalanced5.3 months of inventoryBuyer’s market

$805K$628K

Estero median sold, yr/yr

97.6%

Sale-to-list ratio (12 mo)

2 of 7

Estero actives have cut their price

Median sold price, Estero, trailing 36 months (3-month rolling) · live MLS data.

Paper trail

This home's history

CurrentPrice reduced to $445,000 $30K
Sep 3, 2025Listed at $475,000 · 327 days on market since
2004Built · CASCADES/ESTERO PRCL A

Reality check

What actually sold near 20052 SERENE MEADOW LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

19063 MIAMI BLVD, Fort Myers FL 33967Sold · Jul ’26

$300,000

19063 MIAMI BLVD, Fort Myers FL 33967

3 bd · 2 ba · 1,562 sqft · $192/sqft · 50 DOM

19880 BRECKENRIDGE DRIVE UNIT 308Sold · Jun ’26

$205,000

19880 BRECKENRIDGE DRIVE UNIT 308

2 bd · 2 ba · 1,283 sqft · $160/sqft · 0 DOM

20040 ROOKERY DRIVESold · Aug ’25

$505,000

20040 ROOKERY DRIVE

2 bd · 2 ba · 2,076 sqft · $243/sqft · 83 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 20052 SERENE MEADOW LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 20052 SERENE MEADOW LANE — 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.

Goes straight to David’s phone and CRM.

Straight answers

20052 SERENE MEADOW LANE FAQs

What would the monthly payment be for 20052 SERENE MEADOW LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,840/mo — principal and interest, the actual property-tax bill, the $485/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 20052 SERENE MEADOW LANE?+

The association fee works out to $485 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 20052 SERENE MEADOW LANE?+

The most recent tax bill on record (2024) was $4,536. 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 20052 SERENE MEADOW LANE?+

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 $445,000, this home is listed about 16% below the Estero median of $529,450. The market section on this page shows how the area is trending.

Which schools are assigned to 20052 SERENE MEADOW LANE?+

Three Oaks Elementary School (elementary), Estero High School (high), Three Oaks Middle School (middle), San Carlos Park Elementary School (elementary), Pinewoods Elementary School (elementary), Rayma C. Page Elementary School (elementary), Spring Creek Elementary School (elementary), Bonita Springs High School (high), South Fort Myers High School (high), Bonita Springs Middle Center For The Arts (middle), Lexington Middle School (middle), Bonita Springs Elementary School (elementary), Cypress Lake High School (high), Dunbar High School (high), Fort Myers High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

02Time on market is leverage

327 days on market against a Estero median of 24 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Three Oaks Elementary School, Estero High School, Three Oaks Middle School, San Carlos Park Elementary School, Pinewoods Elementary School, Rayma C. Page Elementary School, Spring Creek Elementary School, Bonita Springs High School, South Fort Myers High School, Bonita Springs Middle Center For The Arts, Lexington Middle School, Bonita Springs Elementary School, Cypress Lake High School, Dunbar High School, Fort Myers High School — Three Oaks Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $475,000, now $445,000 — a $30K cut. The full history is in the market section below.

Listing courtesy of TWENTY EIGHT REALTY CO · Stephanie Burroughs. MLS #TB8424028.

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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