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10578 Otter Key Ln, Estero, FL 33928 Property Records

Lee County property record for 10578 Otter Key Ln, Estero, FL 33928 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,302 sqft · built 2019
Lot Size0.162 acres (7,046 sqft)
Owner2 Individual Names on File
Last Sale$408,300 (Apr 2019)
Tax Bill$3,223 (2025)
Deeds & MortgagesJul 2020 Mortgage
Apr 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN26-46-25-E2-38000.2540

Property Details

APN / Parcel Number

Primary APN26-46-25-E2-38000.2540
Alternative APNs
  • 252646E2380002540
  • 10583665

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,302 sqft Living Area
Gross Area2,869 sqft
1st Floor Area2,062 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleRanch
Exterior MaterialConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialConcrete
Lot Area7,046 sqft (0.162 acres)
Garage TypeAttached
Garage Area519 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area288 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10583665
Street Address10578 OTTER KEY LN
CityESTERO
StateFL
Zip33928-4045
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTIDEWATER PH 3 LOT 254 AS DESC IN INST 2018000016172
Legal Range25E
Legal Township46S
Legal Section26
Legal SubdivisionTIDEWATER PH 3
Legal Phase3
Legal Block1
Legal Lot Number254
JurisdictionLEE FL
Township / Civil DivisionLEHIGH ACRES
Census Block Group1
Census Block1003
Census Tract40118

Owner

Source: Lee County records · APN 26-46-25-E2-38000.2540

Assessment roll updated April 13, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address10578 OTTER KEY LN, ESTERO, FL 33928-4045
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 01, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS
Apr 30, 2019Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 30, 2019 · Amount on Record
Deed SaleApr 30, 2019 · Amount on Record
Deed Document Number201996373
Record UpdatedJun 08, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address10578 OTTER KEY LN, ESTERO, FL 33928-4045
Document Number0000155378
Instrument DateJul 01, 2020
Transaction TypeMortgage
Record UpdatedJul 28, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10578 OTTER KEY LN ESTERO FL 339284045, ESTERO, FL 33928-4045

Mortgage

Document Number0000155378
DateJul 09, 2020
Instrument155378
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 08, 2050

April 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateApr 30, 2019
Property Address10578 OTTER KEY LN, ESTERO, FL 33928-4045
Document Number0000096373
Map ReferenceDOC 2018000016172
Instrument DateApr 23, 2019
Instrument2019000096373
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 10, 2022
Title CompanyDBA PGP TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,858.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address24311 WALDEN CENTER DR # DR201, 24311, BONITA SPRINGS, FL 34134-4937

Transferred To (Grantee/Buyer)

NameVerified Name
Address10578 OTTER KEY LN, ESTERO, FL 33928-4045

Mortgage

Document Number0000096374
DateApr 30, 2019
Instrument2019000096374
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2049

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
MunicipalityEstero Village
Unified School DistrictLee 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,223.00 (+7.61%) Homeowner's exemption$259,635 (+5.99%)$456,557 (-5.9%) Land $93,670 Building $362,887
2023$2,995.00 (-1.42%) Homeowner's exemption$244,969 (+3%)$485,204 (+19.36%) Land $80,933 Building $404,271
2022$3,038.00 Homeowner's exemption$237,834$406,498 Land $73,800 Building $332,698

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120710401181, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 79 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies79 in force
63 of 79 on primary residences
Nearby Flood Claims2 (1988–2022)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2022, rainfall accumulation, Hurricane Ian

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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