3 bedroom Single Family Residence at 20052 SERENE MEADOW LANE, CASCADES/ESTERO PRCL A, ESTERO — photo 1Front elevation
3 bedroom Single Family Residence at 20052 SERENE MEADOW LANE, CASCADES/ESTERO PRCL A, ESTERO — photo 2Living space
3 bedroom Single Family Residence at 20052 SERENE MEADOW LANE, CASCADES/ESTERO PRCL A, ESTERO — photo 3Kitchen
3 bedroom Single Family Residence at 20052 SERENE MEADOW LANE, CASCADES/ESTERO PRCL A, ESTERO — photo 4Owner's suite
3 bedroom Single Family Residence at 20052 SERENE MEADOW LANE, CASCADES/ESTERO PRCL A, ESTERO — photo 5Exterior / yardView all 77 photos →
252 days on market Single Family Residence
$445,000
3-Bedroom Home in CASCADES/ESTERO PRCL A

20052 SERENE MEADOW LANE, ESTERO, FL 33928

Single Family Residence in CASCADES/ESTERO PRCL A · No CDD
CASCADES/ESTERO PRCL A · ESTERO, FL 33928 · Lee
Listing data updated July 25, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,509Sq Ft
2004Year Built
$295Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$295 here vs $295 median sold (12 mo)
Buyer leverage
Buyer advantage
252 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 2004 · 22 yrs
  • 1,509 sq ft of living area
  • 2-car garage
  • 252 days on market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 2004BuiltPer public record
  • Jul 10, 2026First trackedObserved at $445,000
  • NowActiveCurrently for sale

Build year is from public record. Listing 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.

Financing

Estimated monthly payment

$2,880/mo
  • Principal & interest $2,255/mo 78%
  • Taxes $389/mo 14%
  • Insurance $185/mo 6%
  • HOA $50/mo 2%

$2,880/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

58/100
Strongest on: Flood safety (95), Insurance cost (72)
0 limited50100 exceptional

58/100 is solid, mid-pack 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.

Price vs area50
This home $295/sq ft vs the community 12-month median $295/sq ft.
Affordability50
List price $445,000 vs the community median $445,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2004 build. Obtain a property-specific quote.
Renovation upside24
From a 2004 build and $295/sq ft vs the community median $295/sq ft. Not a condition assessment.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $295 per square foot, about in line with the community’s $295 median. PARK TWO/LAKEWOOD’s 12-month median sold price per square foot is $295. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: one of only 688 active listings in PARK TWO/LAKEWOOD, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated July 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

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.

Description provided by TWENTY EIGHT REALTY CO and reproduced from the MLS; not independently verified.

Property facts & sources

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

List price$445,000
Bed / bath3 / 2
Living area1,509 sq ft
Year built2004
Property typeSingle Family Residence
Garage2-car
MLS #TB8424028
Listing status252 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyLee
Area listings688 active · 149 under contract
Estimated first-year tax~$4,672/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$295
Estimated monthly payment$2,880
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$445,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of TWENTY EIGHT REALTY CO · Listing agent: Stephanie Burroughs · 850-842-1328Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$392,340the mess$497,970

Actual list price: $445,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • 688 active listings competing, 139 under contract

For reference, this home is listed at $445,000 ($295/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,509 sq ft × $260–$330/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 25, 2026.

Keep looking

Similar homes for sale near CASCADES/ESTERO PRCL A

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.

Transparency

Price & listing history

Listed for $445,000Momentum Realty · on market 252 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$4,672/yr

A rough first-year estimate only, applying a typical Lee rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$2k–$3k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in CASCADES/ESTERO PRCL A

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the CASCADES/ESTERO PRCL A neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$445,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$295

Canonical 12-month median $/sq ft. Reference only.

Go deeper on CASCADES/ESTERO PRCL A

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

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.

School zoningThis address is in the Lee County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$2,040 – $2,967/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$903 – −$68At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: July 25, 2026)
Community market statsrealMLS closed sales, as of July 15, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

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.

Ready when you are

See 20052 SERENE MEADOW LANE in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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 a typical county millage rate to the list price 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.

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 and we will review and correct or remove it promptly.

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.

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 Stellar MLS Internet Data Exchange, as distributed by MLS GRID. 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: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. 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. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.