10645 Otter Key Ln, Estero, FL 33928 Property Records

Lee County property record for 10645 Otter Key Ln, Estero, FL 33928 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2018
Square Footage	2,416 sqft Living Area
Lot Size	8,952 sqft (0.206 acres)
Occupancy	Owner Occupied
Last Sale	$420,400 (2018)
Tax Bill	$3,045.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-46-25-E2-37000.2870`
Alternative APNs	`252646E2370002870` `10575745`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,416 sqft Living Area
Gross Area	3,196 sqft Gross Area
1st Floor	2,176 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch Style
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Concrete Roof
Lot Area	8,952 sqft (0.206 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	505 sqft Garage
Sprinklers	Installed Lawn/Plantings Watering System Sprinklers
Porch Area	515 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	10575745
Street Address	10645 OTTER KEY LN
City	ESTERO
State	FL
Zip	33928-4048
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	TIDEWATER PH 2 AS DESC IN INST# 2016000151991 LOT 287
Legal Range	25E
Legal Township	46S
Legal Section	26
Legal Subdivision	TIDEWATER PH 2
Legal Phase	2
Legal Block	1
Legal Lot Number	287
Jurisdiction	LEE FL
Minor Civil Division	LEHIGH ACRES
Census Blockgroup	1
Census Block	1005
Census Tract	40118

Owner

Source: Lee County records · APN 26-46-25-E2-37000.2870

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	10645 OTTER KEY LN, ESTERO, FL 33928-4048
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Deed Doc Number	2018118742
Record Refreshed	Sep 20, 2026

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 16, 2018
Property Address	10645 OTTER KEY LN, ESTERO, FL 33928-4048
Document Number	0000118742
Instrument Date	May 14, 2018
Instrument	118742
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 03, 2018
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Tax	$2,942.80
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	10645 OTTER KEY LN ESTERO FL 339284048, ESTERO, FL 33928-4048

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		$252,601 (+2.7%)	$463,556 (-9.43%) Land $96,722 Building $366,834
2025	$3,045.00 (+7.75%) Homeowner's exemption	$245,960 (+5.99%)	$511,803 (-7.15%) Land $112,404 Building $399,399
2023	$2,826.00 (-1.64%) Homeowner's exemption	$232,066 (+3%)	$551,212 (+28.16%) Land $103,101 Building $448,111
2022	$2,873.00 Homeowner's exemption	$225,307	$430,113 Land $73,800 Building $356,313

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	Moderate above 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 1,220 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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