Honestly, when I want d20 but without all the glamour of elves, dwarves, and Orcs I play Modern d20 with a lot of v3.5 thrown in. Having "fantasy" elements like Elves and Dwarves can still be there but change up ALL their common tropes that we've grown accustomed to. Mannerisms, appearance, what their culture is like goes a long way to making them less "De-Tolkein-ized". Elves who are all bald and love machines, Dwarves that have a love for all things wild, Orgrish (blend of Orcs/Ogres) who are some of the most pious and devout beings on the planet, demon-worshipping halflings, lawful good - to a flaw - Vampiric covens who seek world peace, and a small % of the human population nearly wiped out almost 200 years ago due to self-destruction and human-on-human warfare.
The setting could still be Earth, maybe 2120, but not much has been developed technology-wise since the fragments of two worlds collided with each other. Guns and ammo for small arms is still pretty easy to come by but the more pricey the gun the less chances of finding ammo are. Same goes for military-grade weapons (sans Black Market). Taking jobs plundering old ruins of the Human-dominated world has a LOT of opportunities there: from cannibalistic barbarians to fey-inspired fragments of the Fantasy world reaching into Earth, to even Cthulhu-esque references.
The cool thing here is that ALL the maps you could EVER want to use are just on Google-maps. Need ruins for a defensible island? Well you should check out Alcatraz! What about foiling the plot of an evil scientist that wants to use a still-standing monument as a beacon to bring in their Overlord masters? Well you better find a way to Seattle's Space needle to stop him! But before you do that, a group of elves uncovered an old missile silo that still holds the remains of a live nuclear warhead in the heart of Deutchland. You'll need to race to Berlin and stop them in time before they accidentally set it off! Or did someone pay them to do this??
Of course you can also scrap the whole d20 Modern vibe and go with a "Guns don't work anymore" and you're stuck with steam-powered movement and cold-hard steel to protect you.