10508 Otter Key Ln, Estero, FL 33928 Property Records

Lee County property record for 10508 Otter Key Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,544 sqft · built 2021
Lot Size	0.198 acres (8,617 sqft)
Owner	2 Individual Names on File
Last Sale	$529,700 (Mar 2021)
Tax Bill	$7,623 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`26-46-25-E1-38000.2420`

Property Details

APN / Parcel Number

Primary APN	`26-46-25-E1-38000.2420`
Alternative APNs	`252646E1380002420` `10583641`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,544 sqft Living Area
Gross Area	4,436 sqft
1st Floor Area	2,488 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	8,617 sqft (0.198 acres)
Garage Type	Attached
Garage Area	549 sqft
Parking Spaces	2 Parking Spaces
Pool Area	265 sqft
Porch	Florida Room
Patio Area	791 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10583641
Street Address	10508 OTTER KEY LN
City	ESTERO
State	FL
Zip	33928-4044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	TIDEWATER PH 3 LOT 242 AS DESC IN INST 2018000016172
Legal Range	25E
Legal Township	46S
Legal Section	26
Legal Subdivision	TIDEWATER PH 3
Legal Phase	3
Legal Block	1
Legal Lot Number	242
Jurisdiction	LEE FL
Township / Civil Division	LEHIGH ACRES
Census Block Group	1
Census Block	1003
Census Tract	40118

Owner

10508 Otter Key Ln is owned and occupied by two individuals who bought it in March 2021.

Source: Lee County records, as of July 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	10508 OTTER KEY LN, ESTERO, FL 33928-4044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2021 · Amount on File
Deed Sale	Mar 17, 2021 · Amount on File
Deed Document Number	202183125
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	10508 OTTER KEY LN, ESTERO, FL 33928-4044
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10508 OTTER KEY LN, ESTERO, FL 33928-4044

Mortgage

Document Number	0000083126
Date	Mar 17, 2021
Instrument	2021000083126

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Lee County assessment roll, as of July 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lee County
Municipality	Estero Village
Unified School District	Lee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$585,629 (-1.99%) Land $94,155 Building $491,474	$585,629 (-9.16%) Land $94,155 Building $491,474
2025	$7,623.00 (+6.36%) Homeowner's exemption	$597,536 (+5.99%)	$644,712 (+8.8%) Land $103,037 Building $541,675
2023	$7,167.00 (+0.63%) Homeowner's exemption	$563,783 (+3%)	$592,577 (+8.26%) Land $98,965 Building $493,612
2022	$7,122.00 Homeowner's exemption	$547,362 Land $94,900 Building $452,462	$547,362 Land $94,900 Building $452,462

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10508 Otter Key Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 79 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	2 (1988–2022)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2022 · Hurricane Ian

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10508 Otter Key Ln is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LEE COUNTY UTILITIES serves 282,556 people · EPA ID FL5364048
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream, CenturyLink, Hotwire Communications, Verizon.