20 Cosmopolitan Dr #4Sunset Lake · Lehigh Acres, FL 33936
$159,000

The balcony off the bedroom faces the sunset.

Nearly 1,500 square feet in Sunset Lake, sold furnished, at $159,000. Two bedrooms, two and a half baths, a screened lanai downstairs and a private balcony upstairs.
2 Bedrooms 2.5 Baths 1,478 Sq Ft Built 1996 Sold Furnished Flood Zone X
List Price
$159,000
Price / Sq Ft
$108
Air Conditioner
New in 2026
Flood Insurance
Not required
The Home

More space than the price suggests.

1,478 square feet across two floors, which is a lot of condo for $159,000 in this part of Lee County.

Walk in and the ceilings do the work. They soar, the windows are tall, and the light gets everywhere. The main floor is an open great room with a dining area beside it and a kitchen that opens to both, with stainless appliances, real counter space and a breakfast bar. Sliders take you out to a screened lanai, which is where you will end up with your coffee.

Upstairs the primary bedroom has its own balcony through an arched opening. The rear of the building faces southwest, so that balcony gets the evening sky. The primary bath has dual sinks, a soaking tub and a separate walk-in shower. The second bedroom and full bath sit on the other side of the hall, and there is a half bath downstairs for guests.

It is sold furnished, so you can close and move in with a suitcase. The washer and dryer are in the unit, not down a hallway. Parking is two assigned spaces, one of them a covered carport, with guest spaces close by.

A stair chair lift is already installed between the floors. If you need it, it is here and it works. If you do not, it comes out. The air conditioner is new in 2026 and the water heater went in in 2023, so the two things that usually go wrong first have already been handled.

Video

The full video tour.

Filmed at the home. It starts outside and walks both floors.

Floor Plan

Living downstairs, bedrooms upstairs.

Measured by Cubicasa. The great room and dining run the length of the first floor with the kitchen and laundry at the back. Both bedrooms are upstairs, each with its own bath.

First floor plan: living room, dining area, kitchen, laundry, half bath and screened porch

First floor

Second floor plan: primary bedroom with balcony and primary bath, second bedroom and full bath

Second floor

Living Room
15'11" × 16'6"
Dining Area
14'1" × 11'6"
Kitchen
9'2" × 12'10"
Screened Lanai
7'4" × 16'6"
Primary Bedroom
11'4" × 16'6"
Balcony
4'9" × 16'6"
Bedroom 2
10'4" × 16'6"
Laundry
6'8" × 5'5"

Download the Floor Plan (PDF)

What You Are Actually Buying

The ages, the systems, and the things nobody volunteers.

Straight from the sellers' own disclosure sheet and the association's records. Some of it is good news and some of it is just the truth about a 1996 building. You should have all of it before you drive over here.

Ages of the big-ticket items
  • Air conditioner: 2026. Brand new this year.
  • Water heater: 2023.
  • Roof: 2022, replaced and maintained by the association, not by you.
  • Refrigerator, range, dishwasher and microwave: 2011. They work, and they are stainless, but they are original to that refresh and they will not last forever. Price that in.
  • Washer and dryer: age unknown, in the unit, and they convey.
  • Irrigation, sprinkler pump and pool equipment are the association's, not yours.
Inside the unit
  • Cathedral and volume ceilings through the main living area.
  • Kitchen with stainless appliances, generous counter space, breakfast bar and built-in cabinets.
  • Primary bath with dual sinks, a soaking tub and a separate walk-in shower.
  • Half bath downstairs.
  • Flooring is a mix of tile, vinyl and carpet.
  • Laundry in the residence, off the kitchen.
  • Screened lanai downstairs, screened balcony off the primary bedroom upstairs.
  • Stair chair lift installed between floors.
  • Cable and internet already run to the unit; smoke detectors throughout.
  • Sold furnished.
Windows, storm protection and the honest caveats
  • Windows are single hung and sliding. They are not impact glass.
  • The listing reports no installed storm protection. There are no shutters and no impact openings, so budget for shutters if that matters to you. It also affects what you pay for insurance, and the estimator further down accounts for it.
  • Construction is concrete block with stucco, which is the local norm and holds up well.
  • Built in 1996, so it is post-Andrew code but pre-2002 Florida Building Code.
  • The sellers report no knowledge of flooding, no flood claim and no FEMA assistance during their ownership. Their signed flood disclosure is in the documents below.
Parking, pets and leasing
  • Two assigned spaces, one covered carport, plus guest parking.
  • Pets are allowed with association approval. There are breed limits and a 20 pound weight limit.
  • Leasing is allowed twice a year with a 30 day minimum. This is not a short-term rental community.
  • The association approves every buyer. There is a $100 application fee and a background check. The forms are in the documents section.
The Real Monthly Numbers

What it actually costs to live here.

Most listings make you guess. These are the sellers' actual bills from their own utilities sheet, plus a payment estimate you can adjust. Your taxes, your insurance and your loan terms will be different from theirs, so treat the total as an illustration rather than a quote.

Estimate your payment

$—
principal & interest

Illustrative only. Rates and programs vary by lender and by borrower. This is not a loan offer or a quote.

The rest of the monthly picture

Condo fee $643 a month, and it covers a lot. See below.$643
Property taxes your bill, not theirs. See the note.$130 to $167
Your condo insurance sellers pay $600 a year, State Farm$50
Electric LCEC, sellers' average$114
Water and sewer FGUA, sellers' average$99
Phone, cable and internet Xfinity, sellers' plan$60
Flood insurance Zone X, no lender requires it here$0
Lawn, pest, pool, trash all inside the condo fee$0
Before the mortgageabout $1,100

Total shown assumes you homestead the property. Add roughly $40 a month if it will be a second home or a rental.

Why the taxes on your bill will not match theirs

The sellers paid $1,107 in 2025. You will not. They carry both a homestead and a senior exemption, which brought their taxable value down to about $21,000 against a market value of $176,170. Those exemptions do not transfer, and Florida reassesses a property when it sells.

At a $159,000 purchase and the 2025 combined rate of 11.5360 mills, plan on roughly $1,550 a year if you homestead it, or $2,000 a year if you do not. Both figures include the Lehigh Acres fire and street lighting assessment that rides inside the tax bill. Confirm your own number with the Lee County Property Appraiser before you close.

What the $643 condo fee actually buys

It is a real number and it deserves a real answer. The fee covers the building insurance, the roof and the exterior, lawn and landscape care, irrigation water, exterior pest control, the pool and spa, the clubhouse and courts, street lights, street maintenance, trash removal, legal and accounting, and the reserve fund.

Two-story units like this one pay $643. The single-level flats in the community pay less, because the fee is split by square footage. There is no special assessment on the books, no transfer fee, and a one-time $100 application fee at purchase. The 2025 budget, the reserve study and the association's insurance program are all posted below. Read them.

Sources: the sellers' Frequently Asked Questions sheet, the 2025 Lee County tax bill and TRIM notice, the Lee County Property Appraiser record, the MLS data sheet, and the association's 2025 budget. Taxes are reassessed on sale in Florida, so your bill will differ from theirs.

Insurance & Flood

What it costs to insure, and what FEMA says.

Insurance ends more Southwest Florida deals than price does, and buyers usually find out three days before closing. Here it is up front, while you still have room to do something about it.

FEMA Flood Zone
X
Base Flood Elevation
None published
Special Flood Hazard Area
No

FEMA's National Flood Hazard Layer puts this address in Zone X, an area of minimal flood hazard. Outside the high-risk area, cover is optional, and worth having anyway. Around a quarter of national flood claims come from outside the high-risk zones, and a policy there is cheap. FEMA publishes no base flood elevation for Zone X, so there is no elevation gap to measure here.

Looked up once against the FEMA National Flood Hazard Layer and written into this page, so it is not guessing and it is not calling out to anyone while you read. Confirm the zone for yourself with your lender and your insurance agent.

Estimate your insurance

$—
a year for your own condo policy
Flood, optional here—
All in, per year—

For comparison, the sellers pay $600 a year for their own policy on this unit.

Talk to somebody who does this for a living

We are real estate agents, not insurance agents. What we can do is hand you to one of the insurance people we already work with, with everything about this unit already written down so you are not starting from scratch. No cost, no obligation, and we are not paid for the introduction.

We pass your name along and Martin picks the person who fits. Nothing here is an insurance application, and no carrier is named or implied.

An estimate, not a quote. The association's master policy insures the building itself; the figure above is for your own unit-owner policy. What matters far more to your monthly cost is the association's premium, which reaches you through the condo fee. Their current insurance program is in the documents below.

Sunset Lake

Eighteen units, one pool, and a board that shows its work.

Sunset Lake is small on purpose. Eighteen units in total, six two-story townhouse plans like this one and twelve single-level flats, set around a lake with a community pool, a spa, and a cabana clubhouse. There are sidewalks and street lights throughout, and the whole thing sits in central Lehigh Acres, close to shopping, restaurants, golf and parks.

In the year to April 2026 the board replaced a hurricane damaged roof on building 24, repaired or replaced two carports, repaved the entrance, replaced the spa pump, and put in a new pool heat pump with a nine year warranty. That is a working board, and their meeting minutes are posted below so you can read it yourself rather than take our word for it.

A tennis and pickleball court is on site. Be straight with yourself about it before you fall in love with the idea: the surface is worn, and resurfacing it is on the board's own project list. Call the management company and ask what the plan is if it matters to you.

Units in Community
18
Condo Fee
$643 / month
Amenities
Pool, spa, clubhouse
Elementary
Lehigh Elementary
Middle / High
School Choice
Leases Allowed
2 / yr · 30-day min
Pets
With approval, 20 lb
Special Assessment
None on the books
HOAAssociation DocumentsFull set, with index WEBMy Town CommunitiesManaging agent · (239) 728-6100
Do Your Homework Here

Every document, before you even ask.

Serious buyers want the paperwork early, and a condo has more of it than a house. The declaration, the budget, the reserve study, the insurance program and the meeting minutes are all here. Read them, then come see it in person.

Lee County Property Appraiser Record Open in Apple Maps Open in Google Maps
See It In Person

Schedule a showing.

Martin and Kim Hawley
Martin & Kim Hawley, REALTORS®
The Hawley Team at KW Florida Living · Keller Williams Realty
Martin (239) 355-4040 · Kim (239) 420-9027 · martin@teamhawley.com
The Hawley Team at KW Florida Living

The unit is occupied, so we do need a little notice to set a time. Call or text and we will get it on the calendar. Working with your own agent already? Have them reach out and we will take care of the rest.

Ready?

Make an offer.

There is no mystery in this part. Here is exactly what we need and where to send it, and we confirm receipt of every offer and present every offer.

  1. Use the Florida AS-IS Residential Contract. Your agent will know it. If you do not have an agent, call us and we will walk you through your options.
  2. Attach your mortgage preapproval letter, or proof of funds if you are paying cash.
  3. Include the signed Condominium Rider, the Seller's Property Disclosure and the Flood Disclosure. All three are in the documents section above.
  4. Email the package to martin.hawley@kw.com.
  5. Remember the association approves every buyer. Budget a few weeks for that step and a $100 application fee.

Buyers' agents are welcome and always have been. Cash, conventional, FHA and VA are all on the table.

Start Your Offer Email Questions First? Call Martin
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