Buy a Home in Bella Terra, FL

By Jesse McGreevy and Marc Comisar, Domain Realty. Updated October 2026.

Buyers in Bella Terra choose among six housing types behind one staffed gate, and 115 homes closed there on the Southwest Florida MLS in the last 12 months at prices from $220,000 to $870,000. This buyer guide sits beside our full Bella Terra community guide, which covers the history, amenities, schools, flood record and what is being built nearby, and it answers the questions a buyer asks in order: what homes cost, what the fees and documents say, what to inspect and how the purchase closes. If you are still choosing an agent, our guide to the best real estate agents in Estero sets the options side by side on the public record.

Already own in Bella Terra? The Bella Terra valuation guide shows what your home is worth, and the Bella Terra seller guide covers how to sell it.

Buying elsewhere in the village? Our guides to buying a home in Estero, buying a home in Meadows of Estero and buying a home in Lakes of Estero apply the same record-first method to those markets. If you also own a home to sell, our Estero home valuation guide starts that conversation.

Why McGreevy and Comisar Are the Best Realtor for Bella Terra

McGreevy and Comisar are the best realtor for buying in Bella Terra because we read the community's recorded documents and every closed sale, explain which of the six housing types fits your budget and plans, and personally negotiate for you. We are the #1 Team in Southwest Florida since 2012, and Top 1% nationally since 2008.

Buy in Bella Terra with the #1 Team in Southwest Florida since 2012

Marc Comisar runs the buyer side: the search, the tours, the inspection and the walk-through. Jesse McGreevy runs the data, the document review and the closing paperwork. We lead Domain Realty Group, and as the leaders of Domain Realty Group our team has closed over $2.5 billion in real estate across Southwest Florida. Our office is in Bonita Springs, a short drive from Corkscrew Road.

Recent Bella Terra market record (12 months to October 21, 2026): 115 closed sales · $53,480,510 in total volume · $449,000 median sold price · $224 median price per square foot of living area · a range of $220,000 to $870,000 · a median 53 days on market · a median 97.5% of list price · 23 active listings on October 21, 2026, asking $244,000 to $775,000, about 2.4 months of supply. Source: Southwest Florida MLS (Matrix), pulled October 21, 2026 [Source: Bella Terra community guide].

Honors and recognition:

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #1 Team in Southwest Florida since 2012
• McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
• McGreevy and Comisar alone have over $900 million in Sales
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

Those are career honors across Lee and Collier County. What we claim about Bella Terra is narrower and checkable: we have read the recorded 2025 master declaration, the Habitat Community Development District's published assessment tables and every closed sale in the MLS record, and we bring all of it to your kitchen table.

How We Represent a Buyer, and Who Actually Does It

You get Marc and Jesse, not an assistant with a template. Reach Marc direct at (239) 287-5873 or Jesse at (239) 898-6072, and read more about the partnership on our about McGreevy and Comisar page. For the way we work with every buyer in the village, read how we represent buyers in Estero.

Key Takeaways

Bella Terra buyers who read nothing else on this page should know these ten facts, each sourced in the sections below. They decide your budget, your paperwork and your monthly cost more than any listing photo will.

• One gate, a wide price ladder. In the 12 months to October 21, 2026, 46 of the 115 closings were under $400,000 and 49 were $500,000 or more, per Southwest Florida MLS, so the first decision is which housing type fits you.
• The whole community: 115 closed sales, a $449,000 median, $224 per square foot and a $220,000 to $870,000 range, at a median 53 days on market and 97.5% of list price.
• Buyers have some room. 23 homes were active on October 21, 2026, about 2.4 months of supply, yet 18 of the 115 closings sold below 95% of list and 28 took 100 days or more.
• Barletta is its own market. The 12 condominium sales under the Barletta MLS label had a $257,000 median and ran $232,500 to $289,000, with 6 active listings, about 6.0 months of supply.
• Three cost layers stack. A master assessment of $422 a quarter and a $1,250 annual club fee, a sub-association fee that depends on the housing type, and a Community Development District assessment on the Lee County tax bill.
• The CDD is going up. The district's own page shows operations and maintenance rising from $735.69 to $860.69 a year for FY2027, a 17% increase, on top of a bond that ends with its last principal payment in May 2035.
• No golf to buy. Bella Terra has no golf course and no mandatory golf membership, and cable and internet are included in the master fee, per our community guide.
• The documents are two forms. The master is a Chapter 720 association, so section 720.401 applies to most buyers, while the Barletta condominium buyer is on the Chapter 718 track.
• The mortgage rate matters. Freddie Mac's 30-year average was 7.24% as of October 29, 2026, which puts principal and interest at $2,448 a month on a $359,200 loan, 80% of the median price.
• You sign a written buyer agreement first. Since August 17, 2024, buyers sign a written agreement with their agent before touring, and every commission is negotiable.

Table of Contents

What Does It Take to Buy a Home in Bella Terra?

Buying in Bella Terra takes six steps: set a budget with a lender, sign a written buyer agreement, choose a housing type, review the association and district documents, inspect and insure the home, and close. Because the community layers a master association, a sub-association and a Community Development District, the order of the document review matters more here than in most Estero communities.

Step One: Set the Budget With the Full Monthly Cost

Your monthly cost is principal and interest, the master and sub-association fees, the CDD assessment, taxes and insurance. We build that number with you before you tour, using the current Freddie Mac rate of 7.24% as of October 29, 2026 [Source: Primary Mortgage Market Survey, weekly averages as of October 29, 2026].

Step Two: Sign the Written Buyer Agreement

Since August 17, 2024, a buyer signs a written agreement with the agent before touring, and it states the agent's compensation and is negotiable [Source: Written buyer agreements 101]. We explain it in plain language before you sign.

Step Three: Choose the Housing Type

The housing type sets the price, the sub-association fee, the CDD tier and the rules. A Barletta condominium buyer reads Chapter 718 documents, and a buyer of a twin villa, townhome or single-family home reads the Chapter 720 disclosure summary. We narrow the six types to the one or two that fit your budget and plans.

Step Four: Make and Negotiate the Offer

We write the offer from the closed sales of your housing type and size, not the asking price, and we use the document review windows and the inspection as negotiating tools. Bella Terra homes sold at a median 97.5% of list in the last 12 months.

Step Five: Review the Documents, Inspect and Insure

The document review window, the inspection period and your insurance quote run at the same time, and each can end the contract. We schedule them so nothing surprises you late.

Step Six: Close

The title company runs the closing, the association and district estoppels are confirmed, the resale capital contribution is paid, and you receive your amenity access card from the association. We are at the closing table with you.

What Is the Bella Terra Market Like for Buyers Right Now?

The Bella Terra market gives buyers a little room to negotiate right now: 23 homes were listed on October 21, 2026, about 2.4 months of supply, and the 115 homes that closed in the last 12 months sold at a median 97.5% of list after a median 53 days on market. Only 15 of the 115 sold at or above list, and 18 sold below 95%.

Data updated: October 2026

The Four Windows

Source: Southwest Florida MLS (Matrix), closed residential sales inside Bella Terra, pulled October 21, 2026 by McGreevy and Comisar; windows are counted back from that date, and the 12-month window already holds 10 or more closings. [Source: Bella Terra community guide]

What the Windows Say to a Buyer

Median days on market moved from 6 in the oldest year block to 56 in the latest, and the sold-to-list ratio from 100.0% to 97.5%. That is a market where an offer a few points under asking is normal and a home priced at the top of its range waits. 39 of the 115 sales closed within 30 days, 43 took 31 to 90 days and 33 took more than 90, so the fast sales are the well-priced ones.

Months of Supply

23 homes were listed at a median asking price of $384,900, with asks from $244,000 to $775,000, and 13 more were pending. Against 115 closings in 12 months, about 9.6 a month, that is about 2.4 months of supply by our arithmetic. The two MLS labels differ sharply: the main Bella Terra label had 17 active listings against 103 closings, about 2.0 months, and the Barletta label had 6 active listings against 12 closings, about 6.0 months.

When Bella Terra Homes Sell

Over the last 60 months, 255 of the 501 closings landed from March through July, and 68 landed in August and September. Spring is when the most homes change hands, so a buyer who wants the widest choice should be ready to move early in the year.

Where Buyers Have the Most and Least Leverage

Buyers have the most leverage in Barletta, where listings are plentiful against a thin sales pace, and on the four listings that have sat 100 days or more. They have the least leverage on the main Bella Terra label, where 17 listings face about 103 sales a year, and on well-priced single-family homes, where 15 of the 115 closings sold at or above list.

If you want a walk through what those numbers mean for your budget, call Marc at (239) 287-5873 or read how we represent buyers in Estero. If you own a home to sell first, call Jesse direct at (239) 898-6072 or request a free home valuation.

What Have Bella Terra Homes Sold For in the Last 12 Months?

Bella Terra homes sold for $220,000 to $870,000 in the 12 months to October 21, 2026, at a $449,000 median on 115 closings. The table below lists every sale, newest first, with its MLS label, size, price and days on market, so a buyer can see what a specific home has actually cost.

Data updated: October 2026

Every Closed Sale, Newest First

Beds and baths are as the MLS reports them: 2+Den/2(0) means two bedrooms plus a den and two full baths, and the number in parentheses is half baths. Owner names are not in the MLS record and are not shown.

Source: Southwest Florida MLS (Matrix), closed residential sales inside Bella Terra, October 21, 2025 to October 21, 2026, pulled October 21, 2026; $ per sq ft is the sold price divided by MLS living area; sold as % of list uses the MLS list price on each record. [Source: Bella Terra community guide]

Sales by Price Band

Bella Terra spans a wide price range for one gate: 17 of the 115 sales were under $300,000 and 24 were $600,000 or more. A buyer who fixes a budget before touring shortens the search to the housing types that fit it.

Median by 12-Month Block

Source: Southwest Florida MLS (Matrix), closed residential sales inside Bella Terra, pulled October 21, 2026; blocks are counted in 365-day steps back from October 21, 2026. [Source: Bella Terra community guide]

The median sold price was $565,000 in year 3 and $449,000 in the latest year. Some of that is the mix of homes that sold: the latest year carried 15 Barletta condominium sales and 21 sales under 1,400 square feet, so read the price by housing type in the next section before you read the trend.

The Top and the Bottom of the Range

The lowest sale was a 1,055-square-foot two-bedroom at $220,000 on February 27, 2026, after 69 days on market, and the highest was a 2,925-square-foot five-bedroom at $800,000 on October 24, 2025, sold in 5 days at 100.0% of list. The gap is $580,000, which is why one community median cannot tell you what a specific home costs.

Ready to Buy in Bella Terra? Talk to Jesse and Marc

Bella Terra has 1,899 homes and a three-layer fee structure, so buying here rewards local knowledge. If you are buying a home in Estero, start your home search with Marc or call Marc at (239) 287-5873. If you are also selling a home in Estero, get a free home valuation or call Jesse direct at (239) 898-6072.

County Recorded Sales Beside the MLS Count

The Lee County Property Appraiser's recorded, DOR-qualified sales matched to Bella Terra and Barletta legal descriptions show 114 sales in the 12 months from September 2025, at a $448,255 median and a range of $220,000 to $865,000, all of them resales and none sold direct from a builder, against 115 MLS closings in the 12 months to October 21, 2026. The two counts use different windows, because the newest recorded sale in the county file is July 30, 2026, and the legal-description match covers 2,042 parcels against the 1,899 homes our community guide states, 7.5% more. We use the MLS figures for pricing and the county count as a cross-check [Source: Lee County Property Appraiser].

What Does a Bella Terra Home Cost by Housing Type and Size?

A Bella Terra home costs from $220,000 for a two-bedroom condominium to $800,000 for a five-bedroom single-family home, with the housing type and the square footage setting where a home falls. Homes under 1,400 square feet had a $259,000 median and homes of 3,000 square feet or more had a $645,000 median in the 12 months to October 21, 2026.

Data updated: October 2026

By MLS Label

Source: Southwest Florida MLS (Matrix), pulled October 21, 2026. The MLS does not split the main label into villas, townhomes and single-family homes, so size and bedroom tables below are the closest a buyer can get to a housing-type price from the record. [Source: Bella Terra community guide]

By Living Area

Source: Southwest Florida MLS (Matrix), closed residential sales inside Bella Terra, 12 months to October 21, 2026. [Source: Bella Terra community guide]

By Bedrooms

Source: Southwest Florida MLS (Matrix), closed residential sales inside Bella Terra, 12 months to October 21, 2026; homes listed as bedrooms plus a den are grouped with the bedroom count. [Source: Bella Terra community guide]

What to Read Into the Size Tables

The 2,000 to 2,499 square foot band was the largest, with 48 of the 115 sales at a $512,450 median, and it is where most single-family homes in the executive and manor tiers sit. Price per square foot barely moves across the bands, $220 to $237, except in the 3,000 square foot and up band, where 5 sales had a lower $189 median a foot. Bigger homes cost more in total and less per foot.

The Six Housing Types, and What the Recorded Documents Say About Each

The 2025 recorded master declaration counts 1,086 single-family homes, 217 homes in Townhomes I, and 260 villas in Villas I, II and III, 79, 67 and 114 homes respectively, and the district's own multifamily count gives Barletta 336 condominiums, for 1,899 in all [Source: Amended and Restated Declaration, Lee County instrument 2025000109634]. Sizes and builders below are from our community guide, and each housing type has its own guide.

Barletta Condominiums

Barletta is the only condominium product: 336 units in three-story buildings, built by Lennar around 2005 to 2007, with two-bedroom plans of 1,008 to 1,320 square feet and two-bedroom-plus-den plans up to 1,847 square feet, covered carport parking and a satellite pool for Barletta residents. The 15 Barletta-label sales in the last 12 months ran $232,500 to $289,000 at a $260,000 median. Our Barletta at Bella Terra guide covers the building in detail.

Twin Villas

The twin villas are attached single-story homes of roughly 1,450 to 1,900 square feet with two-car garages, built mainly by Beazer Homes in three sections, Villas I, II and III, with their own lease rules. Our Twin Villas at Bella Terra guide sets out the three sections.

Townhomes

The Larino Loop townhomes are two-story attached homes of 2,252 and 2,347 square feet with private garages, and the recorded declaration counts 217 of them in Townhomes I. Our Townhomes at Bella Terra guide covers them.

Executive Homes

Executive homes are single-family homes of about 1,700 to 3,000 square feet on 50-foot and 60-foot lots, built mainly by Lennar. Our Executive Homes at Bella Terra guide covers the floor plans and lot tiers.

Manor and Estate Homes

Manor homes run about 2,100 to 3,300 square feet, and estate homes about 2,300 to 3,500 square feet or more on the largest lots at the back of the community, many on lakes. Both share the single-family sub-association with the executive homes. The 16 sales of 2,500 to 2,999 square feet had a $602,500 median, and the 5 sales of 3,000 square feet or more ran $580,000 to $685,000.

What Is for Sale in Bella Terra Today?

23 homes were listed for sale in Bella Terra on October 21, 2026, asking $244,000 to $775,000 at a median of $384,900, and 6 of them had been on the market 100 days or more. The table lists each one with its MLS label, size, list price and days on market so far.

Data updated: October 2026

The Active Listings

Source: Southwest Florida MLS (Matrix), active residential listings inside Bella Terra, pulled October 21, 2026. [Source: Bella Terra community guide]

How to Read the List

Asking prices are not sale prices. The median sale was 97.5% of list, so a buyer offering 92% to 97% of a fairly priced home's list is inside the record, and a home listed 100 days or more has usually been priced above what buyers will pay. The median active listing had been on the market 40 days.

Which Listings Fit Which Buyer

The 9 listings under $300,000 are two-bedroom condominiums and small homes that suit a seasonal buyer or a first Florida home, the 5 listings from $325,000 to $384,900 sit in the middle of the range, and the 7 larger homes at $539,500 to $775,000 suit a full-time buyer who wants space. We send the listings that fit you and skip the rest.

The Longer Listings

A Barletta two-bedroom at $260,000 had been listed 232 days, a Bella Terra three-bedroom at $384,900 132 days, two Barletta two-bedroom-plus-den units at $294,900 and $279,000 128 and 121 days, and two Bella Terra three-bedroom-plus-den homes at $610,000 and $650,000 116 and 104 days. Those are the homes with the most room to negotiate, and we track each one's price history.

How Do Bella Terra Prices Compare With Nearby Estero Communities?

Bella Terra sits in the middle of its named Estero neighbors on median price and at the low end on price per square foot. Its $449,000 median for the 12 months to October 21, 2026 compares with $270,000 to $615,000 across the eight communities below, and its $224 per square foot is the third lowest of the eight because its median home is larger.

Data updated: October 2026

The Benchmark, on One Stated Yardstick

The yardstick is closed sales in the last 12 months from one Southwest Florida MLS pull, October 21, 2026, so every row uses the same dates and the same method. Prices are not adjusted for home size, and each community's product mix differs.

Source: Southwest Florida MLS (Matrix), closed and active residential listings, pulled October 21, 2026; months of supply is active listings divided by closings over 12, each computed the same way for every row. Communities whose MLS coverage in this pull is partial are left out. [Source: Estero HOA and CDD fees guide]

What the Benchmark Means for a Buyer

Bella Terra had the most closings of any row and the highest sold-to-list ratio, 97.5%, which says the community sells steadily and close to asking. It also has a larger median home than Stoneybrook, about 2,034 square feet against 1,369, so a buyer gets more house per dollar here than the price alone suggests.

Which Neighbor to Tour on the Same Morning

Stoneybrook and Rapallo are the two nearest price points at $415,000 and $400,000, and a buyer can tour both in the same morning as Bella Terra. We plan the route so you compare fees and floor plans while the details are fresh.

Bella Terra vs Stoneybrook: Which One Should You Buy In?

Bella Terra and Stoneybrook are both gated, all-ages Estero communities built around a Community Development District, but Bella Terra offers 1,899 homes at a $449,000 median with no golf, while Stoneybrook offers 1,119 homes at a $415,000 median around a pay-as-you-play 18-hole course. The right one depends on your product, your fees and whether you want a course.

Data updated: October 2026

The Decision Table

Sources: Bella Terra figures from the [Source: Bella Terra community guide], the Habitat CDD assessments page and the October 21, 2026 Southwest Florida MLS pull; Stoneybrook figures from the [Source: Stoneybrook community guide] and the same pull.

The Dollar Gap

Bella Terra's median sold price is $449,000 against Stoneybrook's $415,000, a gap of $34,000, but Bella Terra's median home has about 667 more square feet, and its per-square-foot median of $224 is $28 lower than Stoneybrook's $252. On fees, a single-family owner on a 60-foot Bella Terra lot pays $4,984.43 a year in master, club, sub-association and CDD charges for FY2026, against about $3,229.58 for a Stoneybrook single-family owner's $1,800 in HOA dues and $1,429.58 CDD, which is $1,754.85 more. The two bundles do not include identical services, so compare what each covers before you read that gap as a cost.

Where Bella Terra Has the Edge

Bella Terra suits the buyer who wants a wide price ladder inside one gate, more square footage for the dollar, cable and internet in the master fee and a resort amenity package without a golf layer, and who is comfortable with three cost layers. It also suits a buyer who wants to start in a condominium and move up to a villa or single-family home later without leaving the community.

Where Stoneybrook Has the Edge

Stoneybrook suits the buyer who wants an optional public 18-hole course on the property, Pinewoods Elementary inside the gates, a single-family HOA of about $450 a quarter and a faster-moving market, 35 days at a median, and who accepts smaller homes at a higher price per foot. Our Stoneybrook community guide reports the structure in detail.

What the Comparison Means for Your Offer

A buyer who shops both should compare the whole annual cost and the home size, not the list price: a Bella Terra villa or single-family home at $450,000 sits near Stoneybrook's $415,000 median but with about 667 more square feet at the median, and a Bella Terra Barletta condominium at $232,500 to $289,000 sits at the low end of Stoneybrook's $225,000 to $775,000 range, where 14 of its 44 sales were under $300,000. We put both on one page for you before you offer.

What Does Florida Law Give a Bella Terra Buyer Before Contract?

A Bella Terra buyer's protection depends on the housing type. A buyer in a mandatory homeowners association under Chapter 720 must receive the section 720.401 disclosure summary before signing, and a condominium buyer under Chapter 718, which means a Barletta buyer, receives the section 718.503 documents, with a 7-day cancellation window, excluding weekends and holidays, at the seller's expense.

The Homeowners Association Buyer: Section 720.401

Section 720.401 requires the seller in a mandatory homeowners association to give you the disclosure summary before you sign the contract, and the contract must carry the statute's voidability clause in conspicuous type. If the summary was not provided, you may cancel within 3 days after receiving it or before closing, whichever comes first, and the right cannot be waived [Source: Florida Statutes 720.401]. The recorded master declaration says members are governed by Chapter 720, so the Bella Terra master association is a Chapter 720 association.

The Condominium Fork: Section 718.503

Section 720.401(2) says the summary does not apply to associations regulated under chapters 718, 719, 721 or 723. Barletta is a condominium, so its sellers deliver the resale documents in section 718.503 at their own expense, and the buyer may cancel within 7 days, excluding Saturdays, Sundays and legal holidays, per that section [Source: Florida Statutes 718.503]. A Barletta owner is also a member of the master association, and whether the master declaration imposes a separate section 720.401 duty on Barletta sales is not stated on our page, so your closing agent or attorney confirms which documents apply to your unit.

The Community Development District Notice

The Habitat CDD is a special district under Chapter 190, and its assessments are collected on the Lee County tax bill [Source: Florida Statutes 190.021]. Section 190.048 requires a bold disclosure in the contract for the initial sale of a parcel or residential unit in a district, so by its text it covers first sales and not resales, and on a Bella Terra resale the CDD shows up on the tax bill, the district's estoppel and the assessment tables rather than in a statutory contract clause [Source: Florida Statutes 190.048]. We walk every buyer through the CDD before the review window closes.

What We Know and What We Do Not About the Covenants

We have read the recorded 2025 master declaration and bylaws, Lee County instrument 2025000109634, and the lease applications posted on the association's document page. We have not read the declarations of the Barletta condominium association, the Single Family Homeowners Association, Townhomes I or the villa associations other than their lease forms, and those sit behind the owner login, so we do not state what they add to these statutory rights [Source: Bella Terra documents page]. We read them with every buyer during the review window. This is information, not legal advice.

The Property Tax Disclosure and the Flood Disclosure

Section 689.261 requires a property tax disclosure summary in a residential sales contract, warning that your taxes may change after the sale, and section 689.302 requires the seller's flood disclosure at or before contract [Source: Florida Statutes 689.261] [Source: Florida Statutes 689.302]. Florida case law also requires a seller to disclose known material defects that are not readily observable.

Nothing in this section is legal advice. If you want the documents read alongside you, call Marc at (239) 287-5873 and read how we represent buyers in Estero. If you are selling first, call Jesse direct at (239) 898-6072 or request a free home valuation.

How Do the Estoppel Certificate and Association Approval Work in Bella Terra?

The estoppel certificate tells a Bella Terra buyer what is owed to the association and what fees are due at transfer, and it is the only place a home's current dues are stated with authority. Florida caps the fee, the certificate is valid for 30 days, and the master and sub-association each have their own paperwork, plus a separate estoppel from the district.

The Estoppel Certificate

The homeowners association estoppel is governed by section 720.30851 and the condominium estoppel by section 718.116, each with a base fee cap of $250 for a current account, $100 more for delivery within three business days and $150 more if the account is delinquent, adjusted every five years, which the Florida Department of Business and Professional Regulation has set at $299, $119 and $179 for now (next update due by July 1, 2027) [Source: Florida Statutes 720.30851] [Source: Florida Statutes 718.116]. In Bella Terra you may need one from the master association and one from your sub-association. The contract decides who pays.

Who Owes Unpaid Assessments

Under section 720.3085 a new owner is jointly and severally liable with the previous owner for assessments that came due before the sale, which is why the estoppel matters [Source: Florida Statutes 720.3085]. The master declaration also says each owner, by accepting a deed, covenants to pay annual, special and resale capital assessments (section 9.1).

The Resale Capital Contribution

Section 9.10 of the recorded declaration lets the master association levy a resale capital assessment on the buyer, at an amount its board sets by resolution and at a uniform rate for similar homes, due on the closing date. MLS data for single-family sales shows $1,500, and we confirm the current amount and whether it differs by housing type with the management company before you offer [Source: Amended and Restated Declaration, Lee County instrument 2025000109634].

The CDD Estoppel

The Habitat CDD charges $150 for an estoppel letter, which you request from Premier District Management at (239) 690-7100, extension 105, and which is also the route to an early payoff of the bond part [Source: Habitat CDD assessments].

Buyer Approval and Lease Approval

Purchase and lease applications run through the management company for both the master and the sub-association, and the lease forms set fees and terms by neighborhood. We confirm the process for your housing type before you make an offer so approval does not delay your closing.

Amenity Access After Closing

The master association issues the photo ID access cards for the pool, fitness center and courts, and manages guest access through a resident portal and a QR-code visitor system at the 24-hour gate [Source: Bella Terra amenities]. We show you how to set up your access at closing.

What Does the Habitat CDD Mean for a Bella Terra Buyer?

The Habitat Community Development District is a government district, not the homeowners association, and its assessment appears as a non-ad valorem line on your Lee County tax bill every year. For a Bella Terra buyer it is a fixed cost that runs $915.06 to $1,154.22 a year for FY2026 and $1,040.06 to $1,279.22 for FY2027, depending on the unit type.

Data updated: October 2026

What the District Owns and Does

The Habitat CDD was established by Lee County Ordinance No. 03-10 on April 8, 2003, and it maintains the community's roads, the stormwater system, the lakes, the preserves, the irrigation system and the streetlights, according to our community guide [Source: Habitat CDD, how the district works]. It does not run the gatehouse, the clubhouse or the amenities, which are the homeowners association's. The five-seat board has been elected by residents since August 2014 and meets monthly at the clubhouse.

The Assessment, by Unit Type

Source: Habitat CDD assessments page, per-unit tables for FY2026 and FY2027, fetched September 29, 2026; the bond amount is the same in both years, and only operations and maintenance changes. [Source: Habitat CDD assessments]

The FY2027 Increase

The district's FY2027 operations and maintenance assessment is $860.69, $125 more than the $735.69 of FY2026, a 17% increase. Older summaries that say the assessment has been held flat for three years describe the earlier years, so ask the seller for the current tax notice and check the district's page before you budget.

When the Bond Ends

The district's page shows the last principal payment on the bonds in May 2035, after which the bond part of the assessment ends and the operations and maintenance part continues, and 9 units had prepaid their bond. You may ask the district for a payoff figure, and paying the bond does not remove the operations and maintenance assessment [Source: Habitat CDD assessments].

Who to Call for CDD Records

The district's manager is Premier District Management of Fort Myers at (239) 690-7100. The district posts its ordinances, budgets, minutes and annual report on its website [Source: Habitat CDD documents and links] [Source: Habitat CDD goals, objectives and annual report FY2025].

What Should You Inspect Before Buying in Bella Terra?

A Bella Terra buyer should inspect the roof, air conditioning, water heater, windows, plumbing and electrical panel, and should ask for permits and architectural approvals for exterior work. The homes were built from 2004 to about 2014, so the age of the systems drives both the price and the insurance quote.

The Roof and the Insurance Clock

Insurers ask for a roof's age and condition, and an older roof can raise a premium or force a repair or credit. Ask the seller for the roof permit or invoice and have the inspector report the remaining life. Many homes here were built with concrete block and stucco walls and hip roofs, according to our community guide, and the inspector confirms what your home actually has.

Air Conditioning, Water Heater and Plumbing

Ask for service records and installation dates, and have the inspector check for leaks under sinks, at water heaters and around toilets. In Barletta and the villas, ask which pipes and fixtures the association maintains and which you do.

Windows, Doors and Hurricane Protection

Impact windows, shutters and reinforced garage doors can lower an insurance premium. Section 5.29 of the recorded declaration requires the Architectural Review Committee's prior written approval for any hurricane protection visible from outside, and it allows accordion shutters only on the sides and back of a home, not the front [Source: Amended and Restated Declaration, Lee County instrument 2025000109634]. Florida law requires insurers to offer discounts for verified mitigation features [Source: Florida Statutes 627.0629].

Milestone Inspection and Reserves in Barletta

Florida's condominium safety law applies to buildings of three stories or more, and our community guide describes the Barletta buildings as three stories, so a Barletta buyer asks for the milestone inspection report, the structural reserve study and the budget [Source: Florida Statutes 553.899]. The state keeps an inspection portal for condominium buildings [Source: Condominium building inspections portal]. The villas, townhomes and single-family homes are not condominium buildings of that kind.

Permits and Unapproved Work

Ask for the permit history and the Architectural Review Committee's approvals. Section 6.1 of the declaration requires written approval for any exterior change, including a change of exterior color, landscaping and grading, and a buyer who inherits unapproved work inherits the problem. We check the Lee County permit record and the seller's approvals before your inspection period ends.

Pools, Lanais and Irrigation Lines

The district's irrigation mainlines run under the community, and our community guide says the district has shared its mapping with the Architectural Review Committee so owners can find them before a pool or lanai permit. Ask any seller with a pool or screen enclosure for the permit and the approval.

Wind Mitigation Report

A wind mitigation inspection documents roof shape, deck attachment, opening protection and other features that earn premium credits. We recommend one on any home you are serious about, and we send it to your insurance agent with the quote request.

How Do You Insure a Bella Terra Home?

Insuring a Bella Terra home depends on the housing type: a single-family home needs a homeowners policy, while a Barletta condominium owner needs an HO-6 policy that covers the interior, contents, liability and loss assessment on top of the association's master policy. Get quotes before you make an offer.

Condominium Buyers: The Master Policy and Your HO-6

Section 718.111 requires a condominium association to insure the building and common areas, and each unit owner insures the interior, contents and personal liability [Source: Florida Statutes 718.111]. Ask the Barletta association what its master policy covers and what its deductible is, because a large master deductible can become a special assessment, and ask your agent about loss assessment coverage. For the villas and townhomes, read the sub-association's documents to see whether its policy covers the structure.

Flood Zone and Flood Insurance

Our community guide reports that Bella Terra sits inland in FEMA Zone X, roughly three miles east of I-75, where flood insurance is not required by federally backed lenders, and it notes that the address-level confirmation is a lookup on FEMA's map service [Source: Flood Map Service Center, search by address]. A federally backed mortgage requires flood insurance only inside a Special Flood Hazard Area, and it is optional but worth pricing in Zone X. Get a quote on your address before you commit [Source: National Flood Hazard Layer, flood hazard zones (Layer 28)].

Hurricane Ian and the Wind Record

Hurricane Ian made landfall in Lee County on September 28, 2022 [Source: Hurricane Ian Tropical Cyclone Report]. Our community guide reports wind damage at Bella Terra, such as downed trees and screen enclosures, and no flooding or storm surge, and that the district's minutes mention possible FEMA reimbursement for common-area costs. Ask any seller what repairs were made and whether a claim was filed.

The Community Rating System Discount

Lee County publishes the flood insurance discounts that its Community Rating System participation earns for policyholders in flood hazard areas, and the Village of Estero's own standing is set by FEMA [Source: Lee County CRS flood insurance discounts]. Confirm the current discount for your address at the time of your purchase.

Citizens and the Private Market

Some buyers find coverage through Citizens Property Insurance Corporation, Florida's insurer of last resort, and your insurance agent should quote both the standard market and Citizens [Source: Citizens Property Insurance Corporation]. The state's consumer guide explains how policies and deductibles work [Source: Florida Department of Financial Services].

What Will You Pay Each Month to Own a Bella Terra Home?

A Bella Terra buyer pays principal and interest, a $422 quarterly master assessment, a $1,250 annual club fee, a sub-association fee, a CDD assessment, taxes and insurance. At the 7.24% Freddie Mac average as of October 29, 2026, principal and interest on a $359,200 loan, 80% of the $449,000 median, is $2,448 a month.

Data updated: October 2026

The Fee Stack

Townhome and some villa sub-association fees are not published in one place, and we do not print a figure from any source other than the estoppel, the association's documents or the sub-association's own budget.

The Annual Association and CDD Total, by Housing Type

Sources: master assessment, club fee and sub-association fees from our community guide's fee schedule; CDD amounts from the Habitat CDD assessments page; totals are our arithmetic. The villa row uses an estimate and the townhome row is left out because its sub-association fee is not confirmed. [Source: Habitat CDD assessments]

An Illustrative Payment at Four Prices

Sources: Freddie Mac Primary Mortgage Market Survey, 30-year fixed average of 7.24% as of October 29, 2026; FY2027 association and CDD totals from the table above divided by 12, for a Barletta unit at $257,000, single-family homes on 60-foot lots at $449,000 and $595,000, and a 75-foot lot at $800,000; our arithmetic. Illustration only, not a loan offer; property tax and insurance are excluded. [Source: Primary Mortgage Market Survey, weekly averages as of October 29, 2026]

The Tax Reset

In Florida a change of ownership resets a homestead's assessed value to just value as of the next January 1, and the seller's Save Our Homes cap does not transfer with the home [Source: Florida Statutes 193.155]. Your bill will not equal the seller's, so we estimate it before you offer.

What the Master Fee Pays For

According to our community guide, the master fee covers the 24-hour gatehouse, the 7,000-square-foot clubhouse, the resort pool and spa, a 24-hour fitness center, six lighted pickleball courts, four lighted tennis courts, bocce, sand volleyball, sports fields, an inline skating rink, the butterfly garden, the lakes with catch-and-release fishing, common-area landscaping and cable and internet [Source: Bella Terra amenities] [Source: Bella Terra Community Center, pickleball courts]. Sub-associations may also cover irrigation water, lawn care and exterior maintenance, so ask what yours includes.

What Are Buyer Closing Costs in Bella Terra?

A Bella Terra buyer's closing costs are the lender's fees, the lender's title policy, documentary stamp tax and intangible tax on a new mortgage, recording fees, the inspection and appraisal, prepaid taxes and insurance, and the resale capital contribution. In Lee County the seller customarily pays the owner's title policy and the deed stamps.

The Lee County Custom

In Lee County the seller customarily pays for the buyer's owner's title insurance policy and the $0.70 per $100 documentary stamp tax on the deed, the reverse of Collier County's title custom [Source: Documentary stamp tax overview and rates]. At the $449,000 median that is $3,143.00 in deed stamps and $2,320.00 in title premium on the seller's side, using the promulgated rate [Source: Florida Administrative Code Rule 69O-186.003]. The contract controls, so we confirm it in writing at offer.

Taxes on the Mortgage

A new mortgage carries documentary stamp tax on the note at $0.35 per $100 and nonrecurring intangible tax of $0.002 per dollar of mortgage [Source: Nonrecurring intangible tax on mortgages]. On a $359,200 loan those are $1,257.20 and $718.40, on a $205,600 loan $719.60 and $411.20, and on a $640,000 loan $2,240 and $1,280.

Recording, Title and Other Lines

The buyer customarily records the deed and mortgage, at fees set by statute, and pays for the lender's title policy, the appraisal, the inspection and the survey where needed [Source: Florida Statutes 28.24]. We give you an estimate of every line at offer, and your lender's loan estimate confirms it.

Prorations and Prepaids

Property tax is prorated at closing, with the seller crediting the buyer for the seller's days, and the lender typically collects prepaid insurance and tax escrows [Source: Property taxes, bill dates, discounts and delinquency]. The master and sub-association assessments are prorated as the contract directs, and the CDD assessment travels with the property and is paid with the tax bill.

How Does Buyer Representation Work After the NAR Settlement?

Since August 17, 2024, a Bella Terra buyer signs a written agreement with an agent before touring, the agreement states the agent's compensation, and every commission is negotiable. Offers of buyer broker compensation can no longer be advertised in the MLS, but a seller may still offer to pay it off the MLS.

What the Written Agreement Says

The agreement names the services, the term and the compensation in a specific amount or rate, and it can be negotiated [Source: Written buyer agreements 101]. We explain each term and never ask you to sign something you have not read.

Who Pays the Agent

Compensation is a negotiated term. A seller may offer to pay some or all of it, and we ask for that in the offer where it makes sense, but you and your agent agree what you owe if it is not covered [Source: NAR settlement FAQs] [Source: What the NAR settlement means for home buyers and sellers].

Florida's Brokerage Relationship Rules

Florida requires an agent to disclose the brokerage relationship, such as single agent or transaction broker, before or at the first substantive contact [Source: Florida Statutes 475.278]. We work as your representative, and we say which role in writing.

Can You Finance a Bella Terra Home?

Yes, in most cases, but a condominium purchase adds a project review. Bella Terra buyers use conventional, FHA, VA and cash, and a lender reviews the Barletta condominium association as well as you. Fannie Mae's guide lists conditions that make a condominium project ineligible, so we ask the lender to check the project early.

Conventional, FHA and VA

Conventional loans typically require 3% to 20% down depending on the program, FHA loans are insured by the federal government and VA loans are available to eligible veterans and service members [Source: VA home loan program overview] [Source: Buying a home]. Your lender sets the terms, and we introduce you to lenders who work in Estero.

Condominium Project Review

A lender reviewing a Barletta unit checks the association's budget, reserves, litigation, owner-occupancy and delinquency, and Fannie Mae lists ineligible projects in its selling guide [Source: Selling Guide B4-2.1-03, ineligible condominium projects]. If a building fails a review, financing options narrow, so we ask your lender to check before you offer.

First-Time and Down Payment Programs

Florida Housing Finance Corporation offers first mortgage and down payment assistance programs for eligible buyers [Source: Homebuyer programs overview, first mortgages and down payment assistance]. Eligibility depends on income, price and other limits, so we send you the current rules.

Cash Buyers

Cash buyers close faster and skip the project review, and the seller may accept a lower price for certainty. Homes sold in a median 56 days here, so a cash offer with a short inspection window has leverage, especially on a listing past 100 days.

Before You Borrow

The Consumer Financial Protection Bureau publishes plain-language guides to mortgages and closing disclosures [Source: Owning a home guides]. We recommend reading them, and we do not give lending advice.

How Do We Find You the Right Home in Bella Terra?

We find you the right Bella Terra home by starting with your budget, plans and tolerance for fees, then narrowing six housing types to the one or two that fit and touring them in one or two mornings. We watch the MLS for new listings, price changes and long-listed homes that will negotiate.

Start With Your Plans

Tell us whether you want a full-time home, a seasonal home or a rental, how much space you need, whether you want a garage and a yard or a lock-and-leave home, and what monthly cost feels right. Those answers eliminate most housing types quickly.

Tour With the Record in Hand

We bring the closed sales for each home's size and type to the tour so you see the price in context. A Barletta two-bedroom listed at $260,000 after 232 days is a different conversation when the last 12 Barletta sales ran $232,500 to $289,000.

Watch for the Long Listings

Listings that have been active 100 days or more are where the negotiating room is. 6 of the 23 active listings had been listed 100 days or more on October 21, 2026, and we track each one's price history.

Pre-Market and Off-Market Leads

Some sellers talk to us before they list. We tell the buyers on our list first when a home that fits them is about to come to market, and we say plainly when a home is not yet listed so you know what is and is not available to you.

How Do We Negotiate for You in Bella Terra?

We negotiate for you by writing the offer from the closed sales, using the document review and inspection windows as leverage, asking the seller for credits where the record supports them, and protecting your deposit. Homes sold at a median 97.5% of list in the last 12 months, and 15 of 115 sold at or above list.

Pricing the Offer

An offer is anchored to the closed sales in your housing type and size range, with adjustments for condition, lot and view. We tell you when a home is priced above the record and when it is not, and we never talk you into a bidding war the data does not support.

Using the Review Windows

The condominium 7-day review window and the homeowners association 3-day cancellation right are statutory, and the inspection period is in the contract. We read the documents inside the window, not at its end, and use anything we find to renegotiate.

Credits Versus Price Cuts

Where the seller cannot move on price, a credit for a roof, air conditioner or closing costs may work. We compare the two in dollars, including how each affects your loan.

The Deposit and the Closing Date

We keep the deposit with the title company or attorney and set the closing date around the association estoppels, the district estoppel and any approval, so you are not paying carrying costs while the paperwork catches up.

Which Bella Terra Rules Decide Whether a Home Works for You?

The recorded rules decide whether a Bella Terra home works for you: leases must run at least 30 consecutive days at the master level, no more than two household pets are allowed, hurricane shutters and exterior changes need architectural approval, and each neighborhood can be stricter. Read the rules for your housing type before you make an offer.

Leasing and Seasonal Use

Section 5.25 of the recorded declaration bars leases of less than 30 consecutive days and lets each neighborhood set stricter standards [Source: Amended and Restated Declaration, Lee County instrument 2025000109634]. The lease application forms on the association's document page show the difference: Villas I asks for a 3-month minimum, at most 4 leases a year and a 1-year maximum, Villas II allows terms of 7 to 12 months and no short-term rentals, Villas III requires 6 months, allows two leases a year and takes a $500 deposit, and Townhomes I allows terms of 1 to 12 months. The single-family form does not state a term, and the Barletta rules are in the condominium documents we have not read, so we confirm your housing type before you plan on rental income [Source: Bella Terra documents page].

Pets

Section 5.26 allows not more than two commonly accepted household pets per home, requires them to be leashed outdoors and bars commercial pet activities. Some lease forms add limits for tenants: Villas II allows up to two pets and Villas III allows none. Pets are also kept off the courts, rink and playground under the community rules [Source: Amendment to the Rules and Regulations (2021)].

Vehicles, Home Businesses and Golf Carts

Section 5.17 bars commercial vehicles with commercial markings from being parked in the community except for construction or service work, section 5.24 bars business activity in or from a home and bars advertising the address as a business, and section 5.30 requires a licensed operator for motor vehicles on its streets and sidewalks. Our community guide adds that golf carts are allowed on community roads if registered and insured.

Exterior Changes and Appeals

Section 6.1 requires the Architectural Review Committee's written approval before any exterior change, and a person aggrieved by a decision may appeal to the board in writing within 30 days of notice. Plan a screened lanai, a pool, shutters or a paint color around its calendar.

Budget, Special Assessments and Liability

The bylaws have the board adopt the budget at a November meeting, run the fiscal year from January 1 and cap special assessments at $200 per lot or unit in a fiscal year unless a majority of the voting interests approve more (sections 7.2, 7.9 and 7.11). Assessments are the same for every lot or unit (section 9.4), and each owner covenants to pay them (section 9.1).

Amenity Rules

Courts and the playground have posted hours, children under 13 need adult supervision at the fitness center and playground, and the pool takes an ID access card, according to the association's rules and our community guide [Source: Bella Terra amenities].

What Is Coming Near Bella Terra That a Buyer Should Know?

Bella Terra sits on Corkscrew Road, where road widening, a large new community to the east and a wastewater plant are all in progress. The work that matters most to a buyer is Phase 2 of the Corkscrew Road widening, a $27 million project expected to finish at the end of 2026.

Corkscrew Road Widening

The Village of Estero's February 20, 2026 update from Lee County says the Phase 2 contractor is Bergeron Land Development, Inc., the cost is about $27 million and completion is expected at the end of 2026 [Source: Village of Estero, Corkscrew Road widening Phase 2 update, February 20, 2026]. Our community guide reports that Phase 1 was complete by mid-2024 and Phase 3 is planned for 2031 to 2035.

Kingston

Our community guide reports that Kingston, a 6,676-acre, 10,000-home development east of Bella Terra, broke ground on November 13, 2025, with first residents projected for early 2027 and about 95,200 daily trips at buildout. A buyer who commutes east should weigh the traffic, and one who commutes west is less affected.

The Southeast Advanced Water Reclamation Facility

Our community guide reports a $293 million Lee County Utilities plant that broke ground on October 6, 2025, east of I-75 with operation projected for early 2029. It supports growth in the corridor rather than changing your home's utilities.

Shopping Near the Corridor

The Village of Estero's Planning, Zoning and Design Board approved a 20,642-square-foot Aldi at 11906 Newbridge Drive on July 8, 2025, and approved a 5,695-square-foot Chick-fil-A at Corkscrew Road and Ben Hill Griffin Parkway on December 9, 2025 [Source: Village of Estero, Aldi at 11906 Newbridge Drive] [Source: Village of Estero, Chick-fil-A at Corkscrew Road]. The Village's summaries give no opening date for either, and we do not state one.

Is Bella Terra the Right Place for You to Buy?

Bella Terra is the right place for a buyer who wants a gated, inland Estero community with a resort amenity package, no golf layer and a wide range of prices, from $220,000 to $870,000, and who can live with three cost layers and a CDD that is rising. It may not suit a buyer who wants a new home, a golf course on site or a single all-in fee.

Who Bella Terra Suits

It suits a buyer who wants cable and internet in the master fee, a choice among condominiums, villas, townhomes and single-family homes, no new construction next door and a community that is entirely resale. It also suits a buyer who plans a seasonal stay within the lease rules. Bella Terra has no age restriction.

Who Should Look Elsewhere

A buyer who wants golf on the property, a newer home or a single all-in fee should compare Stoneybrook, Verdana Village and Grandezza. Our Estero buyer guide has the wider picture.

Location

Bella Terra sits off Corkscrew Road about three miles east of I-75 in the Village of Estero. Our community guide estimates non-peak drive times of about 5 minutes to the nearest Publix, 5 to 10 minutes to Miromar Outlets and Florida Gulf Coast University, 15 to 19 minutes to Southwest Florida International Airport and 29 to 35 minutes to downtown Naples, and peak season can add time [Source: Bella Terra community guide]. Florida Gulf Coast University publishes its own campus facts [Source: FGCU fast facts].

Schools

Bella Terra addresses sit in the School District of Lee County's elementary Proximity Zone Q, middle Zone GG and High School South Zone, Sub-zone 3 on the district's 2026 to 2027 map, read at our sample points on October 17, 2026. Zone Q elementary schools are Bonita Springs, Pinewoods, San Carlos Park, Spring Creek and Three Oaks; Zone GG middle schools are Bonita Springs Middle and Three Oaks Middle; South 3 high schools are Bonita Springs High, Estero High and South Fort Myers High. Families rank the schools in their zone and the district places students by preference, proximity and lottery, so no school is assigned by address; confirm yours with the district's school locator. School assignment depends on the address and can change, so check the district's lookup for the home you are considering [Source: Lee County school district, Pinewoods Elementary] [Source: Estero High School].

Your Next Step

Call Marc at (239) 287-5873, tell him your budget and plans, and he will shortlist the housing types. If you own a home to sell first, call Jesse direct at (239) 898-6072.

What Do Buyers Say About Working With McGreevy and Comisar?

McGreevy and Comisar is a top-reviewed Bella Terra realtor, and the quotes below are genuine five-star Google reviews from buyers, reproduced in each reviewer's own words. We publish no aggregate score and no rating widget. Read the full set on the Google profile.

A Buyer Who Closed Within 30 Days

★★★★★ "Marc and Jesse are truly great people and they care about the people that they work with. Marc made our house purchase seamless and we closed within 30 days. If you want someone that's gonna treat you like family, well you found them." Verified Google review

Bella Terra's closing timeline depends on the association and district paperwork, so we order and track it from the day the contract is signed.

A Buyer Kept Informed at Every Step

★★★★★ "Marc is extremely knowledgeable, professional and a true pleasure to work with. He kept us informed throughout the process and went over and beyond our expectations to ensure an extremely smooth process." Verified Google review

A purchase with three cost layers has more moving parts, and we keep you informed on each one.

A Buyer With Market Knowledge on His Side

★★★★★ "Marc's knowledge of the Southwest Florida real estate market is unmatched. He took the time to understand exactly what I was looking for in a home and quickly identified properties that checked all my boxes." Verified Google review

The first conversation is about you, not about listings. We ask what you want the home to do and then build the shortlist.

Get Your Personalized Bella Terra Buyer Consultation

A personalized Bella Terra buyer consultation with McGreevy and Comisar is a working conversation, not a sales pitch. We match your budget to a housing type, walk the fee stack and a monthly payment at today's rates, set out the document plan for your housing type, and tell you honestly whether Bella Terra or a neighbor fits better.

The consultation form sits near the top of this page. You can also call Marc Comisar direct at (239) 287-5873 or Jesse McGreevy at (239) 898-6072, or read how we represent buyers in Estero first. We have been Top 1% Real Estate Agents Nationally Since 2008.

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #1 Team in Southwest Florida since 2012
• McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
• McGreevy and Comisar alone have over $900 million in Sales
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

What We Cover in the Consultation

1. Which of the six housing types fits your budget, plans and tolerance for fees.
2. The fee stack and a monthly budget at the current Freddie Mac rate, with your down payment.
3. The section 720.401 or section 718.503 documents, the review window and what to read first.
4. The estoppels, any approval, the resale capital contribution and the CDD estoppel.
5. The inspection plan: roof, air conditioning, windows, permits and, in Barletta, milestone and reserve documents.
6. Homeowners, HO-6 and flood quotes, and the flood zone for the address.
7. Whether Stoneybrook, Verdana Village or another neighbor fits you better.

Why Does a Bella Terra Specialist Matter for a Buyer?

Bella Terra specialists matter to a buyer because the facts that decide a purchase live in documents, not in a listing feed: a master association over several sub-associations, a CDD whose assessment is rising, a resale capital contribution, a condominium fork in Barletta, a range from $220,000 to $870,000 and a declaration that sets lease, pet and exterior rules.

Marc Comisar

Marc Comisar is a licensed Florida REALTOR and Broker Associate with Domain Realty and one half of McGreevy and Comisar. He runs the buyer side: the search, the tours, the inspection and the closing table. Reach him at (239) 287-5873, and read his profile on the Marc Comisar agent page.

Jesse McGreevy

Jesse McGreevy is a licensed Florida REALTOR and Sales Associate with Domain Realty, a co-founder of the brokerage and the other half of McGreevy and Comisar. He runs pricing, data and the document work, which in Bella Terra means the declaration, the estoppels and the payment math. Reach him direct at (239) 898-6072, and read his profile on the Jesse McGreevy agent page.

The Credentials, Stated Once More

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #1 Team in Southwest Florida since 2012
• McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
• McGreevy and Comisar alone have over $900 million in Sales
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

What a General Agent Tends to Miss Here

A general agent may quote the community median for a condominium, hand a Barletta buyer an HOA summary, forget the resale capital contribution, quote last year's CDD assessment, skip the master policy deductible, ignore the building's height under the milestone law or quote one set of fees for all six housing types. None of those mistakes is exotic, and each one costs a buyer time or money.

Thinking of Selling Your Bella Terra Home? List With the #1 Team in Southwest Florida Since 2012

Bella Terra buyers who own a home to sell first get the strongest result by listing with McGreevy and Comisar of Domain Realty, the #1 team in Southwest Florida since 2012, because a community of 1,899 homes with six housing types and a layered fee structure rewards pricing by type. In one year, Bella Terra homes sold $580,000 apart.

Data updated: October 2026

If you are thinking, "I need to sell my home before I buy," here is the short version. We place your home on its own market's ladder of closed sales, build the documents file before the first showing and time the two closings together. Our Estero home valuation guide and Estero seller guide cover the process.

Listing-team credentials:

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #1 Team in Southwest Florida since 2012
• McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
• McGreevy and Comisar alone have over $900 million in Sales
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

What Is Your Current Home Worth? Get a Free Valuation in 60 Seconds.

Start with our free home valuation. We follow up with a written comparable set from the MLS record and current listings. Call Jesse direct at (239) 898-6072, text or call. Confidential conversations welcome.

Can I sell my home and buy in Bella Terra in the same season?

Yes. We sequence the two contracts so the sale funds the purchase, and we use a closing-date or contingency structure that fits your lender and your timeline.

Will I lose my Save Our Homes savings if I move?

Not necessarily. Portability lets a homestead owner transfer up to $500,000 of the difference between just value and assessed value to a new Florida homestead if the statutory timing is met [Source: Form PT-112, Save Our Homes portability guide].

Should I sell first or buy first?

It depends on your lender, your equity and the market. Homes sold at a median 97.5% of list here, so selling first gives you a firm budget, and buying first may be possible with a bridge or a contingency. We compare both in dollars.

Do I need a valuation before I look at homes?

We recommend it. It tells you what you will net and therefore what you can spend, and it is free and confidential.

What if my home sells before I find one?

We can negotiate a longer closing, a short rent-back or a temporary rental, and we plan for that before the listing goes live.

Do I pay two commissions?

You pay the commission on each transaction as agreed in each agreement, and both are negotiable. We explain both in writing before you sign anything.

Frequently Asked Questions, Buyer Edition

Bella Terra buyers ask these questions before they make an offer, and each answer below is a single paragraph with its source. They cover price, fees, documents, financing, insurance, rules and the closing.

Data updated: October 2026

How much does a home in Bella Terra cost?

Bella Terra homes sold for $220,000 to $870,000 in the last 12 months, at a $449,000 median on 115 closings [Source: Bella Terra community guide]. The 15 Barletta condominium sales ran $232,500 to $289,000, and the five-bedroom single-family homes had a $665,000 median.

What is the cheapest way to buy in Bella Terra?

The lowest sale was a 1,055-square-foot two-bedroom at $220,000, and the Barletta condominiums ran $232,500 to $289,000 in the last 12 months. A cheaper entry also means a smaller home and a higher sub-association fee of about $990 a quarter in Barletta, so compare the monthly cost, not only the price.

Are Bella Terra homes priced fairly right now?

Homes that sold in the last 12 months went at a median 97.5% of list, and 18 of 115 sold below 95%. A home priced near the recent sales of its size and type is fair, and a home listed 100 days or more is probably priced above them.

Is it a buyer's or seller's market in Bella Terra?

It leans toward sellers on the main label and toward buyers in Barletta. 23 homes were active against 115 closings in the year, about 2.4 months of supply overall, about 2.0 months on the main label and about 6.0 months for Barletta, and the median sale took 53 days.

How much do I need to put down in Bella Terra?

It depends on your loan program and, for Barletta, the project approval. Conventional loans typically require 3% to 20% down, and the payment table above uses 20% for illustration [Source: Buying a home]. Your lender sets the terms.

What is the monthly payment on a Bella Terra home?

At the 7.24% Freddie Mac average as of October 29, 2026, principal and interest on a 30-year loan for 80% of the $449,000 median is $2,448 a month, and the association and CDD charges add about $426 a month for a single-family home on a 60-foot lot before taxes and insurance [Source: Primary Mortgage Market Survey, weekly averages as of October 29, 2026].

What are the HOA fees in Bella Terra?

The master assessment is about $422 a quarter and the club fee about $1,250 a year for every owner, and each housing type adds a sub-association fee, about $238 a quarter for single-family homes and about $990 a quarter for Barletta, per our community guide [Source: Bella Terra community guide]. The estoppel states the current figures for your home.

What is the CDD in Bella Terra, and will it go up?

The Habitat Community Development District is a government district whose assessment appears on your Lee County tax bill, $915.06 to $1,154.22 for FY2026 and $1,040.06 to $1,279.22 for FY2027 depending on the unit type [Source: Habitat CDD assessments]. The FY2027 operations and maintenance figure is $860.69, up 17% from $735.69, and the bond part ends after its last principal payment in May 2035.

What does the master assessment include?

It covers the 24-hour gatehouse, the clubhouse, the resort pool and spa, the fitness center, pickleball and tennis courts, bocce, volleyball, sports fields, the lakes and common-area landscaping, per our community guide [Source: Bella Terra amenities]. It is not an equity club, and there is no mandatory golf membership.

Are cable and internet included in the Bella Terra fees?

Our community guide reports that cable television and internet are included in the master fee for every housing type, and the recorded declaration reserves the association's right to provide a cable and broadband system to owners [Source: Amended and Restated Declaration, Lee County instrument 2025000109634]. Confirm the current provider and any tier upgrades with the management company.

What are the one-time fees at closing in Bella Terra?

The master association may levy a resale capital assessment on the buyer under section 9.10 of the declaration, and MLS data for single-family sales shows $1,500. Sub-associations may add their own fees, so confirm the allocation in your contract.

Does Bella Terra have a golf course?

No. Bella Terra has no on-site golf course and no mandatory golf membership, according to our community guide, and the nearest course, Stoneybrook's, is a pay-as-you-play course owned by its CDD [Source: Stoneybrook community guide].

Is my Bella Terra home a condominium or an HOA?

Barletta is a condominium under Chapter 718, and the twin villas, townhomes and single-family homes are homeowners associations under the Chapter 720 master, each with its own sub-association. We confirm your home's form from the recorded documents before you offer.

What documents will I receive before I sign?

A homeowners association buyer receives the section 720.401 disclosure summary, a condominium buyer receives the section 718.503 documents, and every buyer receives the property tax disclosure and the flood disclosure [Source: Florida Statutes 720.401] [Source: Florida Statutes 718.503].

Can I cancel after I sign a condominium contract?

A Barletta buyer may cancel within 7 days after signing or receiving the documents, whichever is later, excluding Saturdays, Sundays and legal holidays, if the documents were not delivered as the statute requires. Your closing agent confirms how the section applies to your contract.

Can I cancel an HOA contract if I did not get the summary?

Yes. If the section 720.401 disclosure summary was not provided before you signed, you may cancel within 3 days after receiving it or before closing, whichever comes first, and the right cannot be waived.

What is an estoppel certificate?

It is the association's statement of what is owed on the home and what fees are due at transfer. The fee is capped at $299 for a current account, $119 more for rush delivery and $179 more if delinquent, and the certificate is valid for 30 days [Source: Florida Statutes 720.30851].

Do I need association approval to buy in Bella Terra?

Purchase applications run through the management company for the master and the sub-association, and the estoppel says what applies to your home. We confirm the process before you make an offer, so approval does not delay your closing.

Can I rent my Bella Terra home?

Yes, within the rules. Section 5.25 of the declaration requires leases of at least 30 consecutive days and lets each neighborhood be stricter, so Villas I, Villas II, Villas III and Townhomes I each have their own terms, and Barletta's are in documents we have not read [Source: Bella Terra documents page].

Can I use a Bella Terra home for vacation rentals?

Not for stays under 30 consecutive days. Section 5.25 bars leases of less than 30 consecutive days, and it bars operating a business from a home under section 5.24, so a weekly or nightly rental is outside the recorded rules.

How many pets can I have in Bella Terra?

Section 5.26 allows not more than two commonly accepted household pets, such as a dog or cat, plus reasonable numbers of tropical fish or caged birds, subject to the association's regulations, and pets must be leashed outdoors. Some tenants' lease forms add limits.

Is Bella Terra gated?

Yes. Our community guide describes a gated community with a 24-hour staffed gatehouse and a QR-code visitor system for guests. Access details for owners are handled through the association.

Is Bella Terra age-restricted?

No. Bella Terra has no age restriction on ownership or residency, per our community guide.

Is Bella Terra in a flood zone?

Our community guide reports FEMA Zone X for Bella Terra, an inland area where flood insurance is not required by federally backed lenders. Zones can vary by parcel, so look up your address on FEMA's map service and get a quote before you commit [Source: Flood Map Service Center, search by address].

Did Bella Terra flood in Hurricane Ian?

Our community guide reports wind damage, such as downed trees and screen enclosures, and no flooding or storm surge at Bella Terra in Hurricane Ian on September 28, 2022. Ask any seller what repairs were made and whether a claim was filed [Source: Hurricane Ian Tropical Cyclone Report].

How much is flood insurance in Bella Terra?

It depends on the zone, the elevation and the coverage, and we do not print a figure we cannot source for your address. Ask an insurance agent for a quote before you offer.

Is homeowners insurance hard to get in Bella Terra?

Insurers price on roof age, construction year and mitigation features, so an older roof can raise a quote. A wind mitigation report and a roof certification help, and Citizens is the insurer of last resort [Source: Citizens Property Insurance Corporation].

What should I inspect on a Bella Terra home?

The roof, air conditioning, water heater, windows, plumbing and electrical panel, plus permits and architectural approvals. The homes were built from 2004 to about 2014, so equipment age matters.

Does the milestone inspection law apply to Bella Terra?

It depends on the building. It applies to condominium buildings of three stories or more, and our community guide describes the Barletta buildings as three stories, so a Barletta buyer asks for the inspection and reserve documents [Source: Florida Statutes 553.899].

How do property taxes work when I buy?

Lee County reassesses a homestead at just value as of the January 1 after the sale, and the seller's Save Our Homes cap does not transfer. Your bill will not equal the seller's, so we estimate it before you offer [Source: Florida Statutes 193.155].

Who pays closing costs in Bella Terra?

In Lee County the seller customarily pays the owner's title policy and the $0.70 per $100 documentary stamp tax on the deed, and the buyer pays the lender's costs, recording, inspection, appraisal and prepaids. The contract controls.

Do I need a buyer agreement to tour homes?

Yes. Since August 17, 2024, a buyer signs a written agreement with an agent before touring, and it can be negotiated [Source: Written buyer agreements 101].

Who pays my agent?

It is a negotiated term. A seller may offer to pay some or all of it, and you and your agent agree what you owe if it is not covered [Source: NAR settlement FAQs].

Can I buy in Bella Terra with an FHA or VA loan?

Often, but a Barletta condominium must pass the lender's project review, and a building that fails narrows your options. We ask your lender to check the project before you offer [Source: Selling Guide B4-2.1-03, ineligible condominium projects].

Are there first-time buyer programs?

Florida Housing Finance Corporation offers first mortgage and down payment assistance for eligible buyers, subject to income and price limits [Source: Homebuyer programs overview, first mortgages and down payment assistance].

Should I buy in Bella Terra or Stoneybrook?

Bella Terra had a $449,000 median, more square feet per dollar and no golf, and Stoneybrook had a $415,000 median, smaller homes and a pay-as-you-play course owned by its CDD. The comparison table above sets them side by side.

Can I buy in Bella Terra with cash?

Yes. Cash buyers close faster and skip the project review, and a cash offer with a short inspection window has leverage on a listing that has sat 100 days or more.

How long does it take to close?

Many purchases close in 30 to 45 days, depending on the lender, the association and district estoppels, any approval and the inspection. We set the date around those steps.

Can I buy a home in Bella Terra from out of state?

Yes. We tour by video, review the documents with you remotely, coordinate the inspection and can close with a power of attorney or remote notarization where the title company allows it. Many buyers here are seasonal.

Is there new construction inside Bella Terra?

No. Bella Terra is built out, and the county's recorded sales for the last 12 months show 114 resales and no builder-direct sales, so every home you can buy here is an existing home.

Who built Bella Terra?

Our community guide reports that Lennar and US Homes built the condominiums, townhomes and single-family homes, and Beazer Homes built the twin villa sections, with construction from 2004 to about 2014.

How many pickleball and tennis courts does Bella Terra have?

Our community guide reports six lighted hard-surface pickleball courts and four lighted tennis courts, open from daylight to 10:00 PM, and a listing for the community center records six pickleball courts [Source: Bella Terra Community Center, pickleball courts].

Can I drive a golf cart in Bella Terra?

Our community guide reports that golf carts are allowed on community roads and parking lots if registered with the community and insured. Section 5.30 of the declaration requires a licensed operator for motor vehicles on its streets and sidewalks.

What is being built near Bella Terra?

Phase 2 of the Corkscrew Road widening, a $27 million project expected to finish at the end of 2026, is the closest, and the Village of Estero has approved an Aldi and a Chick-fil-A on the corridor without giving opening dates [Source: Village of Estero, Corkscrew Road widening Phase 2 update, February 20, 2026].

How far is Bella Terra from the airport and the beach?

Our community guide estimates 15 to 19 minutes to Southwest Florida International Airport and 18 to 22 minutes to Bonita Beach in non-peak traffic, and peak season can add time.

Are there schools near Bella Terra?

Bella Terra addresses sit in the School District of Lee County's elementary Proximity Zone Q, middle Zone GG and High School South Zone, Sub-zone 3 on the district's 2026 to 2027 map, and families rank the schools in their zone rather than being assigned one by address, so check the district's school locator for the home you are considering [Source: Lee County school district, Pinewoods Elementary].

How many homes are in Bella Terra?

The community has 1,899 homes, made up of 1,086 single-family homes, 217 townhomes, 260 villas and 336 Barletta condominiums by the recorded declaration and the district's counts [Source: Habitat CDD assessments].

Frequently Asked Questions, Selling One Home to Buy in Bella Terra

Bella Terra buyers who own a home to sell first ask these questions, and each answer below explains how the sale and the purchase fit together.

How do I sell my home to buy in Bella Terra?

Start with a free valuation, decide whether to sell first or buy first, and let us sequence the two contracts. We build the documents file for your current home before the first showing.

Should I list before I make an offer in Bella Terra?

Listing first gives you a firm budget, and making an offer first may need a contingency or a bridge. Homes here sold at a median 97.5% of list, so we compare both in dollars.

Can I make an offer contingent on selling my home?

You can, and a seller may accept it or not. Contingent offers are weaker than clean ones, so we discuss a longer closing or a rent-back as alternatives.

Will I owe tax on the sale of my current home?

Possibly not. A qualifying homeowner may exclude up to $250,000 of gain, or $500,000 for a qualifying married couple filing jointly, if ownership and use tests are met [Source: Publication 523, selling your home]. Confirm with your CPA.

Can I move my Save Our Homes savings to Bella Terra?

Portability lets a homestead owner transfer up to $500,000 of the difference between just value and assessed value to a new Florida homestead if the statutory timing is met [Source: Form PT-112, Save Our Homes portability guide].

What are the costs of selling my current home?

Documentary stamp tax at $0.70 per $100, the owner's title policy in Lee County, estoppels, prorated taxes, any payoff and the negotiated commission. Our seller closing costs guide shows every line.

Who orders the estoppel on my current home?

The seller orders it from the association's management company, and the contract decides who pays. We order it early so it is valid at closing.

Can I rent back my home after I sell?

A short rent-back can be negotiated in the contract, and we plan for it before listing when the two closing dates do not line up.

How do I coordinate two closings?

We line up the contract dates, the lender's timeline and the association paperwork so the sale funds the purchase, and we build in a buffer for each estoppel.

Which of my questions is not answered here?

Call Marc at (239) 287-5873 for the purchase or Jesse at (239) 898-6072 for the sale, and we will answer from the record.

Your Local Real Estate Experts

Bella Terra buyers work with Jesse McGreevy and Marc Comisar of Domain Realty because the team reads every closed sale inside the community, reviews the declaration and district paperwork with you before the review window ends, and works from an office in Bonita Springs a short drive from Corkscrew Road. Learn more about our team.

Buying in Bella Terra begins with the housing type: a 1,055-square-foot Barletta condominium or a 2,925-square-foot estate home, and where a home sits on that type's ladder of closed sales. It continues with the fee stack, the CDD and the documents, and it ends with an offer you can defend.

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #1 Team in Southwest Florida since 2012
• McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
• McGreevy and Comisar alone have over $900 million in Sales
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

Our team has closed more than 4,000 transactions across Southwest Florida. Since Jesse started in Southwest Florida real estate in 2004, we have represented buyers and sellers across Estero's gated communities. Read more about McGreevy and Comisar on our about page.

McGreevy and Comisar is a top-reviewed Bella Terra realtor; read every verified review on our Google profile.

McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more at DomainRealtyGroup.com.

Contact us when you are ready:

• Marc Comisar: (239) 287-5873
• Jesse McGreevy: (239) 898-6072 · [email protected]
• Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

Jesse McGreevy (Sales Associate, SL3101296) and Marc Comisar (Broker Associate, BK3060671) are licensed Florida REALTORS® with Domain Realty; Florida real estate licensure is regulated by the Florida Real Estate Commission (FREC).

Sources and Authoritative References

Bella Terra facts on this page rest on primary sources: the recorded master declaration, the Habitat Community Development District's published pages, Lee County's Property Appraiser and Tax Collector, Lee County and school-district pages, the Village of Estero, Florida statutes, federal agencies and our own guides. No listing portal or competing brokerage is cited. Sources were accessed in September 2026 unless dated.

1. Bella Terra of Southwest Florida, official community association site (Bella Terra Community Association). bellaterraswfl.com
2. Bella Terra amenities (Bella Terra Community Association). bellaterraswfl.com
3. Bella Terra documents page (Bella Terra Community Association). bellaterraswfl.com
4. Bella Terra contact and management office (Bella Terra Community Association). bellaterraswfl.com
5. Amended and Restated Declaration of Covenants, Conditions and Restrictions and Bylaws, Lee County instrument 2025000109634, recorded April 24, 2025 (Bella Terra Community Association, PDF). bellaterraswfl.com
6. Amendment to the Rules and Regulations, 2021 (Bella Terra Community Association, PDF). bellaterraswfl.com
7. Bella Terra resident and visitor portal (FRONTSTEPS Dwelling). community.dwellinglive.com
8. Bella Terra Community Center, pickleball courts (Global Pickleball Network). www.globalpickleball.network
9. Bella Terra single-family homeowners association overview (Alliant Property Management). alliantproperty.com
10. Habitat Community Development District, official site (Habitat CDD). habitatcdd.com
11. Habitat CDD assessments, FY2026 and FY2027 per-unit tables (Habitat CDD). habitatcdd.com
12. Habitat CDD documents and links (Habitat CDD). habitatcdd.com
13. How the Habitat Community Development District works (Habitat CDD). habitatcdd.com
14. Habitat CDD accomplishments since turnover from the developer, August 2014 (Habitat CDD). habitatcdd.com
15. Habitat CDD goals, objectives and annual report FY2025 (Habitat CDD). habitatcdd.com
16. Lee County Ordinance No. 03-10, establishing the Habitat CDD (Habitat CDD). habitatcdd.com
17. Lee County Ordinance No. 03-10, scanned text (Habitat CDD, PDF). habitatcdd.com
18. Village of Estero Ordinance No. 2023-07 (Habitat CDD). habitatcdd.com
19. Village of Estero Ordinance No. 2023-07, full text (Habitat CDD, PDF). habitatcdd.com
20. Habitat CDD draft meeting minutes, August 19, 2025 (Habitat CDD). habitatcdd.com
21. Lee County Property Appraiser (Lee County). www.leepa.org
22. Property taxes, bill dates, discounts and delinquency (Lee County Tax Collector). www.leetc.com
23. Lee County special districts (Lee County). www.leegov.com
24. Lee County flood zones (Lee County Emergency Management). www.leegov.com
25. FEMA map changes (Lee County Community Development). www.leegov.com
26. Flood insurance rate map zones (Lee County Community Development). www.leegov.com
27. Community Rating System flood insurance discounts (Lee County Community Development). www.leegov.com
28. Lee County Utilities (Lee County). lcusewater.com
29. Lee County government home page (Lee County). www.leegov.com
30. Corkscrew Road widening Phase 2 update from Lee County, February 20, 2026 (Village of Estero). estero-fl.gov
31. Aldi grocery store at 11906 Newbridge Drive, Planning, Zoning and Design Board, July 8, 2025 (Village of Estero). estero-fl.gov
32. Chick-fil-A at Corkscrew Road, Planning, Zoning and Design Board, December 9, 2025 (Village of Estero). estero-fl.gov
33. Corkscrew Road widening project site (Lee County). corkscrewroadwidening.com
34. Corkscrew Regional Ecosystem Watershed (South Florida Water Management District). www.sfwmd.gov
35. Pinewoods Elementary School (Lee County School District). pin.leeschools.net
36. Estero High School (Lee County School District). est.leeschools.net
37. FGCU fast facts (Florida Gulf Coast University). www.fgcu.edu
38. Hurricane Ian Tropical Cyclone Report, AL092022 (National Hurricane Center, PDF). www.nhc.noaa.gov
39. Flood Map Service Center, search by address (FEMA). msc.fema.gov
40. National Flood Hazard Layer, flood hazard zones (Layer 28) (FEMA). hazards.fema.gov
41. Florida Statutes 720.401, prospective purchasers subject to association membership (Florida Legislature). www.leg.state.fl.us
42. Florida Statutes 718.503, developer disclosure and resale documents (Florida Legislature). www.leg.state.fl.us
43. Florida Statutes 720.30851, estoppel certificates (Florida Legislature). www.leg.state.fl.us
44. Florida Statutes 720.3085, payment for assessments and lien rights (Florida Legislature). www.leg.state.fl.us
45. Florida Statutes 720.306, meetings of members, voting and amendments (Florida Legislature). www.leg.state.fl.us
46. Florida Statutes 718.116, assessments and estoppel (Florida Legislature). www.leg.state.fl.us
47. Florida Statutes 718.111, condominium association insurance (Florida Legislature). www.leg.state.fl.us
48. Florida Statutes 190.021, taxes and non-ad valorem assessments of community development districts (Florida Legislature). www.leg.state.fl.us
49. Florida Statutes 190.048, sale of property within a district (Florida Legislature). www.leg.state.fl.us
50. Florida Statutes 553.899, milestone inspections (Florida Legislature). www.leg.state.fl.us
51. Florida Statutes 689.261, property tax disclosure summary (Florida Legislature). www.leg.state.fl.us
52. Florida Statutes 689.302, flood disclosure (Florida Legislature). www.leg.state.fl.us
53. Florida Statutes 193.155, homestead assessments (Florida Legislature). www.leg.state.fl.us
54. Florida Statutes 475.278, authorized brokerage relationships (Florida Legislature). www.leg.state.fl.us
55. Florida Statutes 627.0629, residential property insurance rate filings and mitigation discounts (Florida Legislature). www.leg.state.fl.us
56. Florida Statutes 201.08, tax on notes and mortgages (Florida Legislature). www.leg.state.fl.us
57. Florida Statutes 201.02, tax on deeds (Florida Legislature). www.leg.state.fl.us
58. Florida Statutes 28.24, service charges by clerks of the circuit court (Florida Legislature). www.leg.state.fl.us
59. Documentary stamp tax overview and rates (Florida Department of Revenue). floridarevenue.com
60. Nonrecurring intangible tax on mortgages (Florida Department of Revenue). floridarevenue.com
61. Property tax exemptions and homestead (Florida Department of Revenue). floridarevenue.com
62. Form PT-112, Save Our Homes portability guide (Florida Department of Revenue, PDF). floridarevenue.com
63. Florida Administrative Code Rule 69O-186.003, title insurance premium rates (Florida Administrative Code). www.flrules.org
64. Understanding insurance (Florida Department of Financial Services). www.myfloridacfo.com
65. Title insurance overview (Florida Department of Financial Services). www.myfloridacfo.com
66. Premium discounts for hurricane loss mitigation (Florida Office of Insurance Regulation). floir.gov
67. Citizens Property Insurance Corporation (Citizens). www.citizensfla.com
68. Condominium building inspections portal (Florida DBPR). condos.myfloridalicense.com
69. Written buyer agreements 101 (National Association of REALTORS). www.nar.realtor
70. NAR settlement FAQs (National Association of REALTORS). www.nar.realtor
71. What the NAR settlement means for home buyers and sellers (National Association of REALTORS). www.nar.realtor
72. Primary Mortgage Market Survey, weekly averages as of October 29, 2026 (Freddie Mac). www.freddiemac.com
73. Selling Guide B4-2.1-03, ineligible condominium projects (Fannie Mae). selling-guide.fanniemae.com
74. Publication 523, selling your home (Internal Revenue Service). www.irs.gov
75. Homebuyer programs overview, first mortgages and down payment assistance (Florida Housing Finance Corporation). www.floridahousing.org
76. Owning a home guides (Consumer Financial Protection Bureau). www.consumerfinance.gov
77. Buying a home (U.S. Department of Housing and Urban Development). www.hud.gov
78. VA home loan program overview (U.S. Department of Veterans Affairs). www.va.gov
79. Florida Realtors (Florida Realtors). www.floridarealtors.org
80. Bella Terra community guide (McGreevy and Comisar). mcgreevyandcomisar.com
81. Stoneybrook community guide (McGreevy and Comisar). mcgreevyandcomisar.com
82. Barletta at Bella Terra guide (McGreevy and Comisar). mcgreevyandcomisar.com
83. Twin Villas at Bella Terra guide (McGreevy and Comisar). mcgreevyandcomisar.com
84. Townhomes at Bella Terra guide (McGreevy and Comisar). mcgreevyandcomisar.com
85. Executive Homes at Bella Terra guide (McGreevy and Comisar). mcgreevyandcomisar.com
86. Estero HOA and CDD fees guide (McGreevy and Comisar). mcgreevyandcomisar.com
87. Best real estate agents in Estero (McGreevy and Comisar). mcgreevyandcomisar.com
88. Buy a home in Estero (McGreevy and Comisar). mcgreevyandcomisar.com
89. Buy a home in Meadows of Estero (McGreevy and Comisar). mcgreevyandcomisar.com
90. Buy a home in Lakes of Estero (McGreevy and Comisar). mcgreevyandcomisar.com
91. How we represent buyers in Estero (McGreevy and Comisar). mcgreevyandcomisar.com
92. Seller closing costs in Florida (McGreevy and Comisar). mcgreevyandcomisar.com
93. McGreevy and Comisar Google Business Profile reviews (Google). www.google.com

Downloadable Documents

Bella Terra buyers can pull the documents behind this page directly from the authority that issues each one, so you always see the official, current version rather than a copy. The last rows name the records that come from your association and the office that holds them.

How Do You Reach the Bella Terra Buyer Team Today?

Reach the Bella Terra buyer team by calling Marc Comisar direct at (239) 287-5873 or by requesting a buyer consultation on this page. It is free, it starts with your budget and plans, and it works whether you plan to buy this season or only want to know what your money buys. Selling first? Call Jesse direct at (239) 898-6072.

Marc Comisar: (239) 287-5873. Jesse McGreevy: (239) 898-6072, [email protected]. Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134. Nothing on this page is legal, tax, lending or insurance advice.

Market data from Southwest Florida MLS, pulled October 21, 2026. Brokered by Domain Realty.