Bella Terra
Homes for Sale in Estero, FL
All 218 homes for sale in Estero, FL · median $325,000 · Lee County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Florida Gulf Coast MLS
As of September 2026, Bella Terra in Estero, FL has 14 homes for sale and 13 pending, asking from $235,000 to $799,900 (median $462,250). Over the 12 months ending 2026-09-20, 103 recorded sales closed at a median of $495,000, $227 per square foot, a median 59 days on market, sellers accepting 95% of original asking (-3% versus the prior year). Homes listed or recently sold were built 2005–2012; 26 of 27 report an HOA (median $191/mo); none of the 17 geocoded homes sit in a FEMA special flood hazard zone (median elevation 20 ft). At the median price and Lee County's FY2025-26 rate of 15.97 mills, annual property tax runs about $7,910 ($7,240 with the full homestead exemption).
| Location | Estero, Lee County, FL · ZIP 33128, 33928 |
|---|---|
| Homes in the community | 539 (FL DOR 2025 assessment roll) |
| Years built | 2004–2013 (median 2006) |
| Typical living area | 3,429 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 48%, attached 22%, townhouses 22% |
| Sale prices, last 12 months | $495,000 median across 103 closed sales · $227 per sq ft · -3.2% vs the prior 12 months |
| Days on market (closed sales) | 59 median |
| For sale right now | 20 active, 7 pending · median asking $399,950 |
| Owner-occupied (homestead) share | 65% |
Data as of September 20, 2026. 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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Bella Terra key facts,” movewithmomentum.com/neighborhoods/bella-terra--lee, data as of September 20, 2026.
Last 30 days in Bella Terra: 7 new listings (median asking $384,900), 13 under contract right now. As of September 28, 2026, 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.
Homes For Sale Right Now in Bella Terra
Live MLS inventory for Bella Terra. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Bella Terra listings as of 2026-09-28, priced high to low. 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. Tap any home to ask about it.
Every Home for Sale in Bella Terra Lee Right Now (27)
All 27 active and pending Bella Terra Lee listings with a detail page, newest first, refreshed twice a day from the MLS.
- 20301 Ardore Ln · $623,700 · 3 bd / 2 ba · listed Sep 26, 2026 · listed by Premiere Plus Realty Company
- 21200 Velino Ln · $575,000 · 5 bd / 3 ba · listed Sep 19, 2026 · listed by Royal Shell Real Estate, Inc.
- 21393 Bella Terra Blvd · $369,500 · 3 bd / 2 ba · listed Sep 19, 2026 · listed by Realty World J. PAVICH R.E.
- 20616 Larino Loop · $384,900 · 3 bd / 3 ba · pending · listed Sep 17, 2026 · listed by Premiere Plus Realty Company
- 20592 Larino Loop · $384,900 · 3 bd / 3 ba · listed Sep 11, 2026 · listed by EXP Realty LLC
- 20238 Larino Loop · $380,000 · 3 bd / 3 ba · listed Sep 11, 2026 · listed by Keller Williams Elite Realty
- 19961 Barletta Ln 1623 · $244,000 · 2 bd / 2 ba · listed Sep 11, 2026 · listed by Realty One Group MVP
- 13230 Boccala Ln · $354,900 · 3 bd / 2 ba · pending · listed Sep 9, 2026 · listed by Realty World J. PAVICH R.E.
- 20479 Larino Loop · $414,900 · 3 bd / 3 ba · pending · listed Sep 3, 2026 · listed by Realty World J. PAVICH R.E.
- 20458 Torre Del Lago St · $775,000 · 4 bd / 3 ba · listed Sep 1, 2026 · listed by Hero Real Estate & Co
- 13741 Collina Ct · $539,500 · 3 bd / 3 ba · listed Aug 31, 2026 · listed by Realty World J. PAVICH R.E.
- 21082 Bosco Ct · $600,000 · 4 bd / 3 ba · pending · listed Aug 31, 2026 · listed by Royal Shell Real Estate, Inc.
- 13631 Lucera Ct · $359,000 · 2 bd / 2 ba · pending · listed Aug 24, 2026 · listed by Royal Shell Real Estate, Inc.
- 21313 Velino Ln · $610,000 · 3 bd / 2 ba · listed Aug 23, 2026 · listed by REMAX Affinity Mercato
- 13626 Lucera Ct · $385,000 · 2 bd / 2 ba · listed Aug 22, 2026 · listed by Premiere Plus Realty Company
- 20921 Torre Del Lago St · $775,000 · 5 bd / 3 ba · pending · listed Aug 20, 2026 · listed by Premiere Plus Realty Company
- 20504 Ardore Ln · $615,000 · 3 bd / 2 ba · pending · listed Aug 19, 2026 · listed by AXEN Realty
- 13097 Cardeto Ct · $519,500 · 4 bd / 3 ba · pending · listed Aug 17, 2026 · listed by Realty World J. PAVICH R.E.
- 13850 Cleto Dr · $434,900 · 3 bd / 2 ba · pending · listed Aug 2, 2026 · listed by Premiere Plus Realty Company
- 20042 Larino Loop · $385,000 · 3 bd / 3 ba · pending · listed Jul 30, 2026 · listed by Keller Williams Elite Realty
- 20886 Torre Del Lago St · $799,900 · 5 bd / 4 ba · listed Jul 29, 2026 · listed by Palm Paradise Realty Group
- 20480 Torre Del Lago St · $660,000 · 3 bd / 2 ba · listed Jul 14, 2026 · listed by Royal Shell Real Estate, Inc.
- 21048 Cosenza Ct · $419,000 · 3 bd / 2 ba · pending · listed Jul 14, 2026 · listed by Premiere Plus Realty Company
- 19971 Barletta Ln 1722 · $235,000 · 2 bd / 2 ba · listed Jul 13, 2026 · listed by Century 21 Integra
- 21040 Torre Del Lago St · $899,900 · 5 bd / 4 ba · pending · listed Jul 9, 2026 · listed by Realty World J. PAVICH R.E.
- 13859 Farnese Dr · $569,500 · 5 bd / 3 ba · pending · listed Jul 7, 2026 · listed by Realty World J. PAVICH R.E.
- 20552 Larino Loop · $384,900 · 3 bd / 3 ba · listed Jun 30, 2026 · listed by Priceless Realty, Inc.
Bella Terra right now
🟡 Off the recent peak. The trailing-12-month median ($495K) is down 3.2% from the prior 12 months ($511K) and up 117% since 2012.Momentum Research, record-level Florida Gulf Coast MLS closed sales, 12-month windows ending September 20. Confidence: Very High (103 and 74 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 29, 2026 · Live data: Florida Gulf Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Bella Terra market snapshot (as of September 20, 2026): the median sale price is about $495K ($227 per sq ft over the trailing 12 months of closed sales), and a median 59 days on market for closed sales. The trailing-12-month median is down 3% from the prior 12 months and up 117% since 2012, computed from record-level Florida Gulf Coast MLS closed sales (103 closings in the current window).
In ZIP 33128 (Estero), 115 homes closed in the last 12 months at a median of $495K ($227/sq ft), down 4.3% year over year, with a median 60 days on market. Right now 21 active and 8 pending listings — a buyer's market. See the live ZIP 33128 housing market and the Miami-Dade County market.
County records show 33 qualified sales in Bella Terra across 2024–2025 (28 in 2024, 5 in 2025), median $480,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Bella Terra: of 17 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary — verify any specific address at msc.fema.gov. See flood zones by neighborhood in Estero.
Bella Terra is a community of 539 homes in Estero, Lee County, built between 2004 and 2013 (median 2006), with a median living area of about 3,429 square feet. 65% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Bella Terra. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Bella TerraPhotos from Florida Gulf Coast MLS listings in Bella Terra; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Florida Gulf Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($495K) IS the median in the snapshot above, and the move from 2025 ($511K) IS the -3.2% one-year change.
Windows contain 5 to 155 sales each (103 in the current window); every figure carries its sample size. 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. Deemed reliable but not guaranteed.
48% of homes for sale in Bella Terra are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-29).
Bella Terra Market Scorecard
Bella Terra is currently a balanced market., a median asking price of $399,950, and homes go under contract in about 31 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Florida Gulf Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Bella Terra on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Florida Gulf Coast MLS. Map data © OpenStreetMap, tiles © CARTO.
The Bella Terra buying strategy.
If we were buying in Bella Terra today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Bella Terra.
A closer look at the Bella Terra market
At a median of $227 per square foot, Bella Terra prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The trailing-12-month median down 3% year over year. Homes that do trade take a median 59 days on market, useful leverage on any listing that has lingered.
The housing stock is 539 homes built between 2004 and 2013, and 65% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Bella Terra. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Bella Terra buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.5). Basis: Long-Term Appreciation +117% since 2012; Recent Direction -3.2% year-over-year; Owner Commitment 65% owner-occupied; Pricing Power 95.1% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $191/month (about $2,292/yr) · median of 453 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $191 per month ($2,292 a year) — the median AssociationFee across 453 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Bella Terra buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bella Terra sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bella Terra, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bella Terra home worth?
Get a no-obligation home value based on real comparable sales in Bella Terra, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Estero →
Recently off market in Bella Terra
Homes in Bella Terra that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 13 on record.
- 13538 Troia Dr · off market
- 13599 Troia Dr · off market
- 13638 Lucera Ct · off market
- 13655 Lucera Ct · off market
- 13830 Farnese Dr · off market
- 20030 Serre Dr · off market
- 20038 Serre Dr · off market
- 20370 Larino Loop · off market
Frequently Asked Questions
What is the median home price in Bella Terra?
How long do homes in Bella Terra take to sell?
How many homes are in Bella Terra?
What share of Bella Terra is owner-occupied?
When were the homes in Bella Terra built?
Have Bella Terra home prices gone up?
Who is the best real estate agent for Bella Terra?
How do I find a top Estero real estate agent who knows Bella Terra?
Can Momentum Realty connect me with an agent for Bella Terra?
Where is Bella Terra, and what county is it in?
Is Bella Terra in a flood zone?
Is Bella Terra a good place to live?
Data sources & freshness
| Live listings | Florida Gulf Coast MLS, refreshed twice daily (last: September 28, 2026) |
| Community market stats | Florida Gulf Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 33128/33928)) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (1,480 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Florida Gulf Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Florida Gulf Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Bella Terra fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Bella Terra
- Home values · What homes in Bella Terra actually sell for
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