10712 Aqua Surf Ct, Estero, FL 33928 Property Records

Lee County property record for 10712 Aqua Surf Ct, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,290 sqft · built 2001
Lot Size	0.082 acres (3,572 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Jun 2023)
Tax Bill	$4,181 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-46-25-E3-14000.1740`

Property Details

APN / Parcel Number

Primary APN	`35-46-25-E3-14000.1740`
Alternative APNs	`253546E3140001740` `35462514000001740` `10459771`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,290 sqft Living Area
Gross Area	1,917 sqft
1st Floor Area	1,274 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	3,572 sqft (0.082 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	283 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10459771
Street Address	10712 AQUA SURF CT
City	ESTERO
State	FL
Zip	33928-2478
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	ISLAND CLUB AT CORKSCREW WOODLANDS PH VI-A +VI-B PB 67 PGS 56 +57 LOT 174 + LOT 174A AS DESC IN INST #2010000226322
Legal Range	25E
Legal Township	46S
Legal Section	35
Legal Subdivision	CORKSCREW WOODLANDS
Legal Phase	6
Legal Tract	E3
Legal Block	2
Legal Lot Number	174
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2007
Census Tract	50306

Owner

10712 Aqua Surf Ct is owned and occupied by an individual who bought it in June 2023.

Source: Lee County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	10712 AQUA SURF CT, ESTERO, FL 33928-2478
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Jun 23, 2023	Warranty Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2023 · Amount on File
Deed Sale	Jun 23, 2023 · Amount on File
Prior Sale	Sep 9, 2021 · Amount on File
Deed Document Number	2023220004
Prior Transfer Date	Aug 31, 2010
Prior Transfer Doc	0000223070
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jun 23, 2023
Property Address	10712 AQUA SURF CT, ESTERO, FL 33928-2478
Document Number	0000220004
Map Reference	MB 67 PG 56&57
Instrument Date	Jun 23, 2023
Instrument	2023000220004
Transaction Type	Transfer
Record Updated	Jul 5, 2023
Title Company	MARKETPLACE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17508 WINDING WOOD LN, PUNTA GORDA, FL 33982-5091

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	19550 HIGHLAND OAKS DR APT 213, 213, ESTERO, FL 33928-9591

Mortgage

Document Number	0000220005
Date	Jun 23, 2023
Instrument	2023000220005

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	92700

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Sep 9, 2021
Property Address	10712 AQUA SURF CT, ESTERO, FL 33928-2478
Document Number	0000297304
Map Reference	MB 67 PG 56&57
Instrument Date	Aug 5, 2021
Instrument	2021000297304
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	SUPERIOR TITLE SERVICES/SANIBEL INC, SUPERIOR TTL SVCS OF SANIBEL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10712 AQUA SURF CT, 10712, ESTERO, FL 33928-2478

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10712 AQUA SURF CT, ESTERO, FL 33928-2478

Mortgage

Document Number	0000318716
Date	Sep 28, 2021
Instrument	2021000318716

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10712 Aqua Surf Ct was $4,181 with a homeowner's exemption.

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	$4,181.00 Homeowner's exemption	$333,179 Land $86,080 Building $247,099	$333,179 Land $86,080 Building $247,099
2023	$3,461.00 (-0.94%) Homeowner's exemption	$280,581 (+3%)	$319,126 (+17.15%) Land $81,029 Building $238,097
2022	$3,494.00 Homeowner's exemption	$272,409 Land $73,695 Building $198,714	$272,409 Land $73,695 Building $198,714

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

Flood

FEMA maps place 10712 Aqua Surf Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 99 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 10712 Aqua Surf Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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