10518 Otter Key Ln, Estero, FL 33928 Property Records

Lee County property record for 10518 Otter Key Ln, Estero, FL 33928 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,675 sqft · built 2021
Lot Size	0.152 acres (6,639 sqft)
Owner	Individual Name on File
Tax Bill	$6,252 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`26-46-25-E1-38000.2440`

Property Details

APN / Parcel Number

Primary APN	`26-46-25-E1-38000.2440`
Alternative APNs	`252646E1380002440` `10583643`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,675 sqft Living Area
Gross Area	3,650 sqft
1st Floor Area	1,894 sqft
Flooring	Wood
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	6,639 sqft (0.152 acres)
Garage Type	Attached
Garage Area	519 sqft
Parking Spaces	2 Parking Spaces
Pool Area	280 sqft
Porch	Florida Room
Patio Area	501 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10583643
Street Address	10518 OTTER KEY LN
City	ESTERO
State	FL
Zip	33928-4044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIDEWATER PH 3 LOT 244 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	244
Jurisdiction	LEE FL
Township / Civil Division	LEHIGH ACRES
Census Block Group	1
Census Block	1003
Census Tract	40118

Owner

Source: Lee County records · APN 26-46-25-E1-38000.2440

Assessment roll updated July 29, 2026 · Last verified August 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 File
Mailing Address	10518 OTTER KEY LN, ESTERO, FL 33928-4044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

March 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 22, 2021
Property Address	10518 OTTER KEY LN, ESTERO, FL 33928-4044
Document Number	0000089233
Map Reference	DOC 2018000016172
Instrument Date	Mar 17, 2021
Instrument	2021000089233
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 10, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,075.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24311 WALDEN CENTER DR # DR300, 24311, BONITA SPRINGS, FL 34134-4937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10518 OTTER KEY LN, ESTERO, FL 33928-4044

Mortgage

Document Number	0000089234
Date	Mar 22, 2021
Instrument	2021000089234

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated July 29, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$503,015 (+2.19%) Land $82,171 Building $420,844	$503,015 (-3.01%) Land $82,171 Building $420,844
2025	$6,252.00 (+6.56%) Homeowner's exemption	$492,253 (+5.99%)	$518,652 (+9.13%) Land $93,670 Building $424,982
2023	$5,867.00 (+0.31%) Homeowner's exemption	$464,447 (+3%)	$475,270 (+5.4%) Land $76,246 Building $399,024
2022	$5,849.00 Homeowner's exemption	$450,919 Land $73,800 Building $377,119	$450,919 Land $73,800 Building $377,119

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.