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10650 Otter Key Ln, Estero, FL 33928 Property Records

Lee County property record for 10650 Otter Key Ln, Estero, FL 33928 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 2021
Square Footage2,095 sqft Living Area
Lot Size8,089 sqft (0.186 acres)
OccupancyOwner Occupied
Last Sale$700,000 (2023)
Tax Bill$5,854.00 (2025)

Property Details

APN / Parcel Number

Primary APN26-46-25-E2-37000.2620
Alternative APNs
  • 252646E2370002620
  • 10575742

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area2,095 sqft Living Area
Gross Area2,854 sqft Gross Area
1st Floor1,927 sqft 1st Floor
Stories1 Stories

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleRanch Style
Exterior MaterialConcrete Block Exterior
Roof MaterialConcrete Roof
Lot Area8,089 sqft (0.186 acres)
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area723 sqft Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Account Number10575742
Street Address10650 OTTER KEY LN
CityESTERO
StateFL
Zip33928-4047
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionTIDEWATER PH 2 AS DESC IN INST# 2016000151991 LOT 262
Legal Range25E
Legal Township46S
Legal Section26
Legal SubdivisionTIDEWATER PH 2
Legal Phase2
Legal Block1
Legal Lot Number262
JurisdictionLEE FL
Minor Civil DivisionLEHIGH ACRES
Census Blockgroup1
Census Block1003
Census Tract40118

Owner

Source: Lee County records · APN 26-46-25-E2-37000.2620

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 RecordIndividual Name on File
Mailing Address10650 OTTER KEY LN, ESTERO, FL 33928-4047
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingTenant By Entirety

Deeds, Mortgages & Sale History

DateDocument
Jan 30, 2023Warranty Deed, Transfer · Stand Alone First Mortgage
THE JOHN E CROSS IRREVOCABLE TRUST
Oct 06, 2021Warranty Deed, Subdivision Related Transfer
PGP TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 30, 2023 · Amount on Record
Deed SaleJan 30, 2023 · Amount on Record
Prior SaleOct 06, 2021 · Amount on Record
Deed Doc Number202335427
Record RefreshedJun 08, 2026

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateJan 30, 2023
Property Address10650 OTTER KEY LN, ESTERO, FL 33928-4047
Document Number0000035427
Map ReferenceDOC 2016000151991
Instrument DateDec 29, 2022
Instrument2023000035427
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanyMARKETPLACE TITLE LLC, MARKETPLACE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,900.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1102, ESTERO, FL 33929-1102

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address10650 OTTER KEY LN, ESTERO, FL 33928-4047

Mortgage

Document Number0000035428
DateJan 30, 2023
Instrument2023000035428
Lender
NameTHE JOHN E CROSS IRREVOCABLE TRUST
TypeNon-Lending Institution
Agreement
TypeStand Alone First Mortgage
AmountAmount Recorded
Term359 Months
DueDec 29, 2052

October 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateOct 06, 2021
Property Address10650 OTTER KEY LN, ESTERO, FL 33928-4047
Document Number0000328694
Map ReferenceDOC 2016000151991
Instrument DateSep 30, 2021
Instrument2021000328694
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 10, 2023
Title CompanyPGP TITLE

Transaction

AmountAmount Recorded
Tax$2,771.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 1102, ESTERO, FL 33929-1102

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$5,854.00 (+3.46%) Homeowner's exemption$461,666 (+2.93%) Land $93,670 Building $367,996$461,666 (-10.04%) Land $93,670 Building $367,996
2023$5,658.00 (+15.92%) Homeowner's exemption$448,504 (+18.8%)$513,162 (+25.91%) Land $92,924 Building $420,238
2022$4,881.00 Homeowner's exemption$377,519$407,560 Land $73,800 Building $333,760

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM

Wildfire

Wildfire RiskModerate
above 62% of the US · above 36% of Florida
Wildfire LikelihoodAbout 1 in 1,220 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

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