Lee County property record for 10512 Otter Key Ln, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,675 sqft · built 2020 |
| Lot Size | 0.152 acres (6,639 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $424,100 (Dec 2020) |
| Tax Bill | $4,871 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Dec 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 26-46-25-E1-38000.2430 |
| Primary APN | 26-46-25-E1-38000.2430 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,675 sqft Living Area |
| Gross Area | 3,659 sqft |
| 1st Floor Area | 1,894 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 6,639 sqft (0.152 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Slab |
| Patio Area | 389 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10583642 |
|---|---|
| Street Address | 10512 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 243 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 | 243 |
| Jurisdiction | LEE FL |
| Township / Civil Division | LEHIGH ACRES |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 40118 |
Source: Lee County records, as of April 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10512 OTTER KEY LN, ESTERO, FL 33928-4044 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2021 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Dec 29, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PENTAGON FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2020 · Amount on Record |
| Deed Sale | Dec 29, 2020 · Amount on Record |
| Deed Document Number | 2020328084 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 10512 OTTER KEY LN, ESTERO, FL 33928-4044 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 10512 OTTER MAY LN, ESTERO, FL 33928 |
| Document Number | 0000402425 |
|---|---|
| Date | Dec 8, 2021 |
| Instrument | 2021000402425 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Dec 29, 2020 |
| Property Address | 10512 OTTER KEY LN, ESTERO, FL 33928-4044 |
| Document Number | 0000328084 |
| Map Reference | DOC 2018000016172 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 2020000328084 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 10, 2022 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,968.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24311 WALDEN CENTER DR # DR300, 24311, BONITA SPRINGS, FL 34134-4937 |
| Name | Verified Name |
|---|---|
| Address | 10512 OTTER KEY LN, ESTERO, FL 33928-4044 |
| Document Number | 0000328085 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 2020000328085 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Lee County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Municipality | Estero Village |
| Unified School District | Lee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,871.00 (+7.24%) Homeowner's exemption Senior Citizen's exemption | $405,056 (+5.99%) | $520,198 (+12.73%) Land $93,670 Building $426,528 |
| 2023 | $4,542.00 (-0.09%) Homeowner's exemption Senior Citizen's exemption | $382,175 (+3%) | $461,463 (+2.71%) Land $76,246 Building $385,217 |
| 2022 | $4,546.00 Homeowner's exemption Senior Citizen's exemption | $371,044 | $449,299 Land $73,800 Building $375,499 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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 |
| 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.
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.
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