Looking for a private Gulf-access pool and spa home with no mandatory HOA fees? Welcome to 4975 Mederia Lane, where waterfront living meets incredible value--there truly is no comparable property in Naples, Bonita Springs, or Estero at this price point. Tucked away in Estero River Heights, one of Estero's best-kept secrets, this spacious residence offers nearly 4,000 square feet of living space, featuring 5 bedrooms, 4.5 bathrooms, a dedicated office, a hidden oversized safe room, and a large laundry room. The upper level boasts 3 bedrooms plus a den and 2.5 bathrooms, with updated finishes including granite countertops, LVT floors, crown molding, tray ceilings, and a fireplace. The lower level features a private guest or in-law suite with 2 bedrooms, 1 bathroom, its own kitchen, and direct access to the outdoors--perfect for extended family or visitors. Completely renovated between 2024 and 2025, this home now features a brand-new metal roof, whole-home reverse osmosis water system, new air conditioning, and a fully remodeled upstairs including kitchen, baths, and flooring. Step outside to enjoy newly installed pool equipment, an expanded paver patio, an outdoor kitchen with a fridge, grill, and ice maker, a recessed propane fire pit, and beautifully upgraded landscaping with new irrigation and drainage systems. Both levels offer full-length, screened-in decks with sweeping water views, perfect for enjoying your morning coffee or unwinding at sunset. Boating enthusiasts will love the new 40-foot dock outfitted with a 7,000 lb and a 32,000 lb boat lift, supporting vessels up to 45 feet, with the area dredged for easy access even at low tide. The seawall was raised in 2024 with new riprap, offering added protection. This home remained high and dry through recent storms, sitting approximately five feet above street level with no flooding during Hurricane Helen or Milton. Residents of Estero River Heights enjoy access to a private community boat ramp, with additional boat slips available for rent--all for an optional HOA fee of just $225 per year. With an oversized 3-car garage and thoughtful upgrades throughout, this is a rare opportunity to own a move-in-ready Gulf-access home with both privacy and luxury. Be sure to view the Matterport 3D Tour linked with the listing and come see why this exceptional property stands out from anything else on the market.