20321 Fair Oak LN, Estero, FL, 33928 | $875,000

Modern Canyon Floor Plan in Rivercreek, Estero!
Welcome to your waterfront dream at 20321 Fair Oak Lane, a breathtaking modern residence in the sought-after Rivercreek community. This immaculate 3-bedroom plus den, 3-bathroom home showcases premium finishes throughout. Perched on a premium water lot, this Florida luxury property offers spectacular sunsets that turn everyday living into a resort-like experience.

Curb appeal stuns with stylish brick pavers on the driveway and entry. A concrete flat tile roof ensures lasting beauty and performance, while impact windows throughout offer peace of mind during storm season. Fully landscaped grounds with an automatic sprinkler system keep the outdoor space lush and low-maintenance. Enjoy peaceful moments on the screened patio overlooking tranquil water views and glowing Florida sunsets.

Step inside to discover a bright, open layout with high-polished rectified 18" x 18" ceramic tile flooring in the main living areas. A standout design element, the elegant waterfall tile work, flows seamlessly from the flooring into the bathroom shower walls, creating a sleek, cohesive aesthetic. Plush carpeting softens select areas, while upgraded 5¼" wood baseboards, orange peel wall textures, and knockdown ceilings add refined touches. An upgraded lighting package brings warmth and ambiance to every room.

At the heart of the home is a chef-inspired kitchen with premium quartz countertops, 42" wood upper cabinets, and a full stainless steel appliance package, including a GE® 24. 9 cu. ft. side-by-side refrigerator, slide-in range, microwave, and multi-cycle dishwasher. A dual-compartment undermount sink with pull-out faucet completes the space. The spa-like primary bathroom features European-style raised vanities with premium wood cabinetry, a frameless glass shower, rectangular undermount sinks, and continued waterfall tile detailing for a cohesive, high-end finish. Secondary bathrooms mirror this design with hidden-hinge cabinetry, premium countertops, and matching waterfall tilework for a unified, upscale look. The 2-car garage includes epoxy-coated floors, coach lights, and steel-reinforced concrete block construction. Additional conveniences include a laundry room with heavy-duty washer and gas dryer, an energy-efficient gas hot water heater, and a seven-year dwelling warranty covering major structural elements. Don’t miss your chance to own this luxurious slice of paradise—homes like this don’t stay on the market long!
There’s so much more to love about life at Rivercreek—too much to share here! Come explore the community, tour the amenities, and feel the lifestyle for yourself. Schedule your private showing today and discover what makes Rivercreek one of Estero’s most desirable places to live.

Features

  • Amenities: Basketball, Billiards, Bocce Court, Clubhouse, Pool, Community Spa/Hot tub, Fitness Center, Internet Access, Pickleball, Tennis Court(s), Gated
  • Bedrooms: 3
  • Baths: 3 full
  • Lot Size: 50 x 50 x 120 x 120
  • Laundry: Washer/Dryer Hookup, Inside, Sink
  • Style: Contemporary
  • Year Built: 2024
  • Garage: 2-car Driveway Paved, Garage Door Opener, Attached
  • Heating: Central Electric
  • Cooling: Central Electric
  • Basement: Central Electric
  • Approx Sq. Feet: 2,833
  • Acreage: 0.13
  • Lot Size: 50 x 50 x 120 x 120
  • Est. Taxes: $3,144
  • HOA Fee: $1,125 Quarterly
  • Lot Desc: Regular
  • View: Lake
  • Water Front: Yes
  • Pet Policy: Number Limit
  • Appliances: Gas Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator/Icemaker, Self Cleaning Oven, Washer
  • MLS#: 225038539
  • Days on Market: 25 days
  • Website: https://www.raveis.com
    /prop/225038539/20321fairoakln_estero_fl?source=qrflyer
Copyright © 2025  The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations Copyright Southwest Florida MLS organizations. All rights reserved.
The data relating to real estate for sale displayed on this Website comes in part from the Multiple Listing Service of the Bonita Springs-Estero Association of REALTORS®, Inc., under License No. BK3330055FL. Properties displayed on this Website include properties listed with brokerage firms other than William Raveis Real Estate. Detailed information about such properties includes the name of the brokerage firm with which the seller has listed the property. The properties displayed may not be all the properties listed with brokerage firms participating in the Bonita Springs-Estero Association of REALTORS® Multiple Listing Service, or contained in the database compilation of the Bonita Springs-Estero Association of REALTORS™ Multiple Listing Service.
Listing courtesy of Engel & Völkers Naples   Phone: 239-428-0088

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

20321 Fair Oak LN, Estero, FL, 33928

$875,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $700,000 $700,000 $700,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.625% 6.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.861% 6.751% 6.666%
Monthly Tax Payment $262 $262 $262
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,253 $4,482 $6,098
Total Monthly Payment $4,607 $4,836 $6,452

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.