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10541 Otter Key Ln, Estero, FL 33928 Property Records

Lee County property record for 10541 Otter Key Ln, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,573 sqft · built 2020
Lot Size0.153 acres (6,670 sqft)
Owner2 Individual Names on File
Last Sale$467,300 (Apr 2020)
Tax Bill$5,071 (2025)
Deeds & MortgagesSep 2020 Transfer
Apr 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN26-46-25-E1-38000.2330

Property Details

APN / Parcel Number

Primary APN26-46-25-E1-38000.2330
Alternative APNs
  • 252646E1380002330
  • 10583632

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,573 sqft Living Area
Gross Area4,600 sqft
1st Floor Area2,072 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleRanch
Exterior MaterialConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialConcrete
Lot Area6,670 sqft (0.153 acres)
View / LotLake
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area501 sqft
PorchFlorida Room
Porch Area436 sqft
Patio Area501 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10583632
Street Address10541 OTTER KEY LN
CityESTERO
StateFL
Zip33928-4044
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMPD
Legal DescriptionTIDEWATER PH 3 LOT 233 AS DESC IN INST 2018000016172
Legal Range25E
Legal Township46S
Legal Section26
Legal SubdivisionTIDEWATER PH 3
Legal Phase3
Legal Block1
Legal Lot Number233
JurisdictionLEE FL
Township / Civil DivisionLEHIGH ACRES
Census Block Group1
Census Block1003
Census Tract40118

Owner

10541 Otter Key Ln is owned and occupied by two individuals who acquired it in September 2020.

Source: Lee County records, as of April 13, 2026

Owner of Record2 Individual Names on File
Mailing Address10541 OTTER KEY LN, ESTERO, FL 33928-4044
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Sep 28, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Apr 17, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 17, 2020 · Amount on File
Deed SaleApr 17, 2020 · Amount on File
Deed Document Number202092697
Last Transfer DateSep 9, 2020
Transfer Doc0000231403
Record UpdatedJun 8, 2026

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLEE FL
Recording DateSep 28, 2020
Property Address10541 OTTER KEY LN, ESTERO, FL 33928-4044
Document Number0000231403
Instrument DateSep 9, 2020
Instrument231403
Transaction TypeTransfer
Record UpdatedOct 19, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address10541 OTTER KEY LN ESTERO FL 339284044, ESTERO, FL 33928-4044

April 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateApr 17, 2020
Property Address10541 OTTER KEY LN, ESTERO, FL 33928-4044
Document Number0000092697
Map ReferenceDOC 201800016172
Instrument DateApr 15, 2020
Instrument2020000092697
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 10, 2022
Title CompanyPGP TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,271.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address24311 WALDEN CENTER DR # DR300, 24311, BONITA SPRINGS, FL 34134-4937

Transferred To (Grantee/Buyer)

NameVerified Name
Address10541 OTTER KEY LN, ESTERO, FL 33928-4044

Mortgage

Document Number0000092698
DateApr 17, 2020
Instrument2020000092698
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueMay 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 10541 Otter Key Ln was $5,071 with exemptions applied.

Source: Lee County assessment roll, as of April 13, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
MunicipalityEstero Village
Unified School DistrictLee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,071.00 Homeowner's exemption Senior Citizen's exemption$420,434$621,212 Land $96,900 Building $524,312
2023$4,732.00 Homeowner's exemption Senior Citizen's exemption$396,684 (+3%)$564,556 (+21.08%) Land $87,352 Building $477,204
2022$4,732.00 Homeowner's exemption Senior Citizen's exemption$385,130$466,254 Land $77,600 Building $388,654

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

Flood

FEMA maps place 10541 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 79 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies79 in force
Nearby Flood Claims2 (1988–2022)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 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 10541 Otter Key Ln is moderate, ranking above 45% 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemLEE COUNTY UTILITIES
serves 282,556 people · EPA ID FL5364048
Water SourceSurface water
Last State InspectionApr 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 117 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000

May also be available: Summit Broadband, Verizon, Xfinity.

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