20697 Charing Cross CIR, Estero, FL, 33928 | $895,000

This thoughtfully designed residence sits on a rare 1. 05-acre lot in Cranbrook Harbor, one of Estero’s most private and established neighborhoods west of US-41. With no HOA and a peaceful, tucked-away setting just minutes from Coconut Point, Bonita Beach, and RSW, the property offers a compelling combination of space, privacy, and convenience.
Enveloped by a canopy of old-growth oaks and pines, mature palms, and tropical plantings, the landscape creates a lush, immersive environment that feels quiet and protected. Whether enjoying the backyard, relaxing on the upper deck, or taking in the views from inside, greenery surrounds you on all sides.
Meticulously maintained and continuously improved by the same owners for over two decades, the home blends clean modern lines with warm, organic touches. Vaulted ceilings, oversized windows, and an open layout bring natural light into the main living areas. The kitchen features a waterfall-edge quartz island, built-in refrigerator, double ovens, and generous storage. It's designed with both functionality and entertaining in mind.
Flooring includes porcelain tile throughout the main level, luxury vinyl plank in the downstairs bedrooms, and custom wood plank upstairs. The private primary suite is located on the second floor and includes vaulted ceilings, a large walk-in closet, and a wood deck overlooking the pool and rear grounds—an ideal spot for quiet mornings or sunset views. Three additional bedrooms are located downstairs and offer flexibility for guests, office space, or family living. All three bathrooms are finished with spa-like detail, blending clean lines with a hint of Balinese influence for a calm and elevated feel.
A long driveway provides privacy from the street and plenty of space for parking. The pool area is surrounded by mature landscaping and offers multiple places to lounge or dine outdoors. A fire pit tucked into the back of the lot creates a peaceful space for evenings in nature, and a separate tool or storage shed adds practical utility. The beauty of the lot itself, in both size and natural setting, elevates the entire property and sets it apart from typical neighborhood homes.
For buyers seeking a timeless, well-cared-for home with rare land and lasting character, this Estero property offers something truly special. Furnishings negotiable.

Features

  • Amenities: None, Non-Gated
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 208 x 141 x 283 x 251
  • Laundry: Inside
  • Year Built: 1989
  • Garage: 2-car Garage Door Opener, Attached
  • Heating: Central Electric
  • Cooling: Central Electric
  • Basement: Central Electric
  • Approx Sq. Feet: 3,261
  • Acreage: 1.05
  • Lot Size: 208 x 141 x 283 x 251
  • Est. Taxes: $2,801
  • Lot Desc: Across From Waterfront, Dead End, Oversize
  • View: Landscaped Area, Trees/Woods
  • Pool: In Ground, Equipment Stays
  • Pets Allowed: Yes
  • Pet Policy: No Approval Needed
  • Appliances: Electric Cooktop, Dishwasher, Disposal, Double Oven, Dryer, Microwave, Refrigerator/Freezer, Reverse Osmosis, Wall Oven, Washer, Water Treatment Owned
  • MLS#: 225048536
  • Days on Market: 4 days
  • Website: https://www.raveis.com
    /prop/225048536/20697charingcrosscir_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 Coast to Coast Preferred Properties, Inc   Phone: 954-646-1888

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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20697 Charing Cross CIR, Estero, FL, 33928

$895,000

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 $716,000 $716,000 $716,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.375% 6.750% 6.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.949% 6.865% 6.706%
Monthly Tax Payment $233 $233 $233
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,467 $4,644 $6,237
Total Monthly Payment $4,792 $4,969 $6,562

* 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.