20751 Garden Dr, Estero, FL 33928
Sources: FGCMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
20751 Garden DR in Mariners Cove, Estero is listed at $159,000 (820 sq ft, about $194 per sq ft). That is 46% above Mariners Cove's median closed sale of $109,000 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $163/sq ft by about 19%. It came to market within the past week. Listing facts: built in 2025, HOA dues of $150/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 2025 · 1 yrs
- 820 sq ft of living area
- Active listing
- HOA $150/mo (per listing)
About this home
One or more photo(s) has been virtually staged, AI generated or rendered. Discover the perfect blend of coastal charm, modern comfort, and an unbeatable location in this brand-new home located in the highly desirable Mariners Cove community in Estero, Southwest Florida. Never occupied and move-in ready, this beautifully designed 2-bedroom, 2-bath residence offers the rare opportunity to enjoy new construction in a peaceful waterfront neighborhood with direct access to the Estero River and the Gulf of Mexico.
Inside, you'll find a thoughtfully designed split-bedroom floor plan that provides privacy and functionality for both owners and guests. The bright and inviting interior features attractive wood-look laminate flooring throughout, creating a seamless flow from room to room while offering durability and easy maintenance. The open-concept living and dining areas provide an ideal setting for relaxing, entertaining, or simply enjoying the Florida lifestyle.
The well-appointed kitchen is equipped with Frigidaire appliances, ample cabinetry, and generous counter space, making meal preparation both convenient and enjoyable. Adjacent to the kitchen is a spacious laundry room with additional storage potential, helping keep your living spaces organized and clutter-free. Situated on an oversized 46-foot-wide lot, this property offers exceptional outdoor possibilities.
There is plenty of room to add a screened lanai, outdoor patio, or tropical garden retreat where you can enjoy morning coffee, evening sunsets, and year-round outdoor living. The expansive lot also provides abundant parking space for multiple vehicles, as well as your boat, jet skis, golf cart, or other recreational equipment. Mariners Cove is a hidden waterfront gem that offers residents an active and relaxed coastal lifestyle.
Just steps from your front door, you'll find the community pool, clubhouse, and private boat ramp, providing easy access to boating, fishing, kayaking, and exploring the scenic waterways of Southwest Florida. Spend your days cruising the Estero River, heading out to the Gulf, or enjoying the area's beautiful white-sand beaches. Conveniently located near premier shopping destinations, popular restaurants, entertainment venues, and championship golf courses, this home combines tranquility with accessibility.
Whether you're searching for a year-round residence, seasonal getaway, or investment opportunity, this exceptional property offers the best of Florida living in one of Estero's most charming waterfront communities. Come experience the laid-back coastal lifestyle you deserve at Mariners Cove, where every day feels like a vacation.
All 47 photos
Description provided by Premier Sotheby's Int'l Realty and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for MARINERS COVE. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $862/mo 72%
- Taxes $139/mo 12%
- Insurance $43/mo 4%
- HOA $150/mo 13%
$1,194/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 20751 Garden Dr
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is $944/yr per the MLS listing record (TaxAnnualAmount, 2026-11-11). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed. |
|---|---|
| HOA dues | $150/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Lee County is $2,197/yr (6,508 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2025. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Estimated carrying cost at the asking price, before the mortgage: about $412/month (tax $79, HOA $150, insurance $183). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Lee County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Lee County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Mariners Cove market
How this home is priced against recent nearby sales, and where Mariners Cove has been over 25 years. Momentum Research analysis of Florida Gulf Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Mariners Cove
Each dot is a closed sale since 2014 (111 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). FGCMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2014–2026. This home lists at $194/sq ft.
Median sale price by year
12-month median closed price, 2014–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2017–2026. Now 52 (normal).
This home’s history
- 2025BuiltPer public record
- Aug 4, 2026First seen on our siteObserved at $159,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Momentum Property Score
39/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $194 per square foot, about 19% above the community’s $163 median. Mariners Cove’s 12-month median sold price per square foot is $163. Median sold price per square foot is up 9.0% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: FGCMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
31% of homes in Mariners Cove are owner-occupied. An estimated 69% are non-owner-occupied, including 7% held in a company or trust and 48% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 122 homes matched. Community-level context.
Recent Mariners Cove sales closed near 90.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of FGCMLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 7 active listings in Mariners Cove, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Premier Sotheby's Int'l Realty · MLS # 226022446
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Similar homes for sale near MARINERS COVE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in MARINERS COVE
- 20721 Basin Dr · $168,500 · 2 bd / 2 ba · listed November 5, 2026 (courtesy of She Sells Florida LLC)
- 20520 River Dr · $76,300 · 2 bd / 1 ba · listed November 1, 2026 (courtesy of Watersedge Realty Group LLC)
Recently off market in MARINERS COVE
- 20551 Port Dr · last listed $228,500 · 2026-10-22
- 20581 River Dr · 2026-09-10
- 20511 Anchor Dr · 2026-09-10
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on MARINERS COVE
Go deeper on MARINERS COVE
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Lee County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the MARINERS COVE guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 33928 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 20751 Garden DR, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $150/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Lee County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 820 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $1,670/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | FGCMLS, checked against the MLS hourly (last: November 12, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of FGCMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 20751 Garden DR and when was it built?
Per the listing record, 20751 Garden DR was built in 2025 and has 820 sq ft of living area, 2 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 20751 Garden DR in?
20751 Garden DR is in Mariners Cove in Estero, Lee County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 20751 Garden DR have an HOA, and how much are the dues?
The listing reports HOA dues of $150 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 20751 Garden DR differ from the current owner's?
The estimate on this page (about $1,670 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 20751 Garden DR in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 20751 Garden DR in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Florida Gulf Coast Multiple Listing Service, Inc.. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.