Bella Terra
Estero, FL · 1,563 single-family homes · Village of Estero
zone 4 Surge
zone X Flood zone
100% of mapped
flood features
An independent resident guide — not affiliated with the Bella Terra HOA, club, or developer.
Bella Terra at a glance
About Bella Terra
Bella Terra is a gated community of 1,563 single-family homes in Estero, built around a 7,000 sq ft clubhouse. Day to day, the nearest golf course, Wildcat Run Golf & Country Club, is about 1.2 miles straight-line from the community's center; the nearest library, South County Regional Library, is about 3.6 miles away; the nearest hospital, Lee Health Coconut Point, about 5.4 miles.
Amenities — owned and maintained by the Habitat Community Development District — include a 7,000 sq ft clubhouse, a resort-style pool with spa and waterfall, a fitness center, tennis courts, pickleball, basketball, bocce courts, multi-use ball fields, an inline skate park, beach volleyball, a butterfly garden, a tot-lot playground.
On paper, the community sits in evacuation zone D, and all of its mapped flood features (100%) fall in zone X, outside the high-risk flood area. The average assessed just value across its 1,755 residential parcels was $410,236 in the county's 2026 roll.
Trusted contractors for Bella Terra
Ask us to look for a trusted HVAC contractor. We’ll be honest if we can’t find one, and we won’t share your contact details without asking again after naming the specific business.
Request help →Ask us to look for a trusted Plumbing contractor. We’ll be honest if we can’t find one, and we won’t share your contact details without asking again after naming the specific business.
Request help →Ask us to look for a trusted Roofing contractor. We’ll be honest if we can’t find one, and we won’t share your contact details without asking again after naming the specific business.
Request help →Ask us to look for a trusted Kitchen & Bath Remodeling contractor. We’ll be honest if we can’t find one, and we won’t share your contact details without asking again after naming the specific business.
Request help →Ask us to look for a trusted Windows, Doors & Hurricane Protection contractor. We’ll be honest if we can’t find one, and we won’t share your contact details without asking again after naming the specific business.
Request help →Ask us to look for a trusted Electrical contractor. We’ll be honest if we can’t find one, and we won’t share your contact details without asking again after naming the specific business.
Request help →Storm & flood
Live status from the National Weather Service and NOAA, each item stamped with the time it was checked; anything past its freshness window is removed rather than shown as current. In an approaching storm, rely on official channels first: Lee County Emergency Management ↗.
This is county map data with a retrieval date — not a flood determination for insurance or lending purposes. Confirm your parcel with the official county lookup or your insurer.
Home & property numbers
98 sales · FL DOR codes 01–02 · retrieved Aug 19 2026
Recorded prices, not an appraisal — and not a valuation of any one home.
Parcel min/max · Property Appraiser · Aug 19 2026
An era band — the earliest and latest build years on record. It says nothing about how many homes went up when.
2020–2024 ACS 5-year · B19013 · retrieved Aug 4 2026 · one tract
Census tracts cover an area wider than the community’s own boundary.
What it costs to live here
A worked annual example — the shape of a bill here, not a quote for any home.
Worked example — 13.0214 mills (the district most parcels are in) on a $400,000 rounded assessed value before exemptions (from the community’s average just value). Your own bill moves with exemptions and assessment caps.
Habitat CDD $974.85 plus $366.39 in other non-ad-valorem items, read off one sampled 2025 bill. Varies by lot and home.
Bella Terra does not publish a fee schedule. Confirm the current amount with the HOA office before you close.
Millage Book 2025 · sampled 2025 bill
Association fees are not published here, so they are absent from this bar rather than estimated into it. Varies by lot and home; never a quote.
County roll math, one sampled tax bill and each association’s own published figures — we publish fee amounts only from official documents; amounts change annually and vary by home and exemptions. Never a quote, never tax advice.
Golf & recreation
The three closest courses to Bella Terra, nearest first.
Straight-line distances from the community center · checked Aug 2026.
Dining nearby
Nearest 8 licensed establishments · within 5 miDinner without the drive — the closest kitchens to the gate, nearest first.
From Florida food-service license records · straight-line distances · checked Aug 2026.
Local essentials
Nearest schools by distance — never an attendance-zone assignment. Official school finder ↗
Public, open ramps only.
Straight-line distances on a six-mile scale — › means a bit further out.
What's on nearby
Utilities & providers
Territory read at the community centroid — not a per-parcel guarantee.
Reported at a sampled in-community address — availability varies parcel to parcel.
Service-territory map data (checked Aug 2026) — the provider serving the area, not a guarantee of connection for any individual parcel. Confirm service and rates with the provider before relying on them.
Dates that matter in Lee County
You must own and occupy the home as your permanent residence as of January 1 to claim it for that tax year; buy after January 1 and you file for the following year.
Property Appraiser ↗The proposed-tax notice from the Property Appraiser; not a bill. You then have 25 days from its mailing date to petition the Value Adjustment Board.
FL Dept. of Revenue ↗Early-payment discounts: 4% in November, 3% December, 2% January, 1% February; a deadline landing on a weekend or holiday extends to the next business day.
Tax Collector ↗The Atlantic season per the National Hurricane Center; storms can occur outside these dates.
National Hurricane Center ↗County and state dates — the same for every Lee County community, each linked to its official source (checked Aug 2026).
Just moved here? Start with these
The six things worth doing in your first week, in the order they matter.
Every link goes to the official government source (checked Aug 2026).
HOA & community contacts
Southwest Florida Gated Communities is not affiliated with the Bella Terra homeowners’ association or club. Something out of date? Report a correction →
Questions residents ask
Answers name the recorded instrument they came from and the month it was read. The citation sits in the sentence, not in a badge.