10554 Otter Key Ln, Estero, FL 33928 Property Records

Lee County property record for 10554 Otter Key Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,302 sqft · built 2021
Lot Size	0.152 acres (6,639 sqft)
Owner	Individual Name on Record
Last Sale	$435,600 (Jul 2021)
Tax Bill	$5,513 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`26-46-25-E1-38000.2500`

Property Details

APN / Parcel Number

Primary APN	`26-46-25-E1-38000.2500`
Alternative APNs	`252646E1380002500` `10583649`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,302 sqft Living Area
Gross Area	2,879 sqft
1st Floor Area	1,894 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	6,639 sqft (0.152 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10583649
Street Address	10554 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 250 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	250
Jurisdiction	LEE FL
Township / Civil Division	LEHIGH ACRES
Census Block Group	1
Census Block	1003
Census Tract	40118

Owner

Source: Lee County records, as of April 13, 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	10554 OTTER KEY LN, ESTERO, FL 33928-4044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jul 21, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Deed Document Number	2021240135
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	10554 OTTER KEY LN, ESTERO, FL 33928-4044
Transaction Type	Mortgage
Record Updated	Feb 10, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10554 OTTER KEY LN, ESTERO, FL 33928-4044

Mortgage

Document Number	0000029329
Date	Jan 27, 2022
Instrument	2022000029329

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jul 21, 2021
Property Address	10554 OTTER KEY LN, ESTERO, FL 33928-4044
Document Number	0000240135
Map Reference	DOC 2018000016172
Instrument Date	Jul 15, 2021
Instrument	2021000240135
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 10, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,049.20
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	10554 OTTER KEY LN, ESTERO, FL 33928-4044

Mortgage

Document Number	0000240136
Date	Jul 21, 2021
Instrument	2021000240136

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Lee County assessment roll, as of April 13, 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
2025	$5,513.00 (+6.72%) Homeowner's exemption	$435,469 (+5.99%)	$447,821 (-1.34%) Land $93,670 Building $354,151
2023	$5,166.00 (+0.06%) Homeowner's exemption	$410,870 (+3%)	$453,920 (+12.17%) Land $76,246 Building $377,674
2022	$5,163.00 Homeowner's exemption	$398,903	$404,681 Land $73,800 Building $330,881

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

Flood

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.

Wildfire

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% 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 117 locations within half a mile, as of December 31, 2025

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

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

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