13074 Cardeto Ct, Estero, FL 33928 Property Records

Lee County property record for 13074 Cardeto Ct, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,181 sqft · built 2012
Lot Size	0.326 acres (14,201 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Apr 2018)
Tax Bill	$3,179 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Apr 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`32-46-26-E4-1000C.0480`

Property Details

APN / Parcel Number

Primary APN	`32-46-26-E4-1000C.0480`
Alternative APNs	`263246E41000C0480` `10555097`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,181 sqft Living Area
Gross Area	2,629 sqft
1st Floor Area	2,032 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	14,201 sqft (0.326 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	177 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10555097
Street Address	13074 CARDETO CT
City	ESTERO
State	FL
Zip	33928-6429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	BELLA TERRA UNIT FIFTEEN AS DESC IN INST #2010000240262 BLK C LOT 48
Legal Range	26E
Legal Township	46S
Legal Section	32
Legal Subdivision	BELLA TERRA
Legal Tract	E4
Legal Block	C
Legal Lot Number	48
Legal Unit	FIFTEE
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	5
Census Block	5001
Census Tract	50311

Owner

Source: Lee County records, as of July 29, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	13074 CARDETO CT, ESTERO, FL 33928-6429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Apr 4, 2019	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Jul 10, 2018	Deed of Trust, Mortgage · Conventional with PMI SUNCOAST CU
Apr 11, 2018	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2018 · Amount on Record
Deed Sale	Apr 11, 2018 · Amount on Record
Prior Sale	Jan 26, 2015 · Amount on Record
Deed Document Number	201885781
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13074 CARDETO CT, ESTERO, FL 33928-6429
Transaction Type	Mortgage
Record Updated	Sep 11, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000290426
Date	Sep 1, 2023
Instrument	2023000290426

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13074 CARDETO CT, ESTERO, FL 33928-6429
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13074 CARDETO CT, ESTERO, FL 33928-6429

Mortgage

Document Number	0000139492
Date	Apr 26, 2022
Instrument	2022000139492

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13074 CARDETO CT, ESTERO, FL 33928-6429
Transaction Type	Mortgage
Record Updated	Oct 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13074 CARDETO CT, ESTERO, FL 33928-6429

Mortgage

Document Number	0000105458
Date	Apr 5, 2021
Instrument	2021000105458

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13074 CARDETO CT, ESTERO, FL 33928-6429
Document Number	0000035576
Instrument Date	Jan 31, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13074 CARDETO CT ESTERO FL 339286429, ESTERO, FL 33928-6429

Mortgage

Document Number	0000035576
Date	Feb 10, 2020
Instrument	35576

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13074 CARDETO CT, ESTERO, FL 33928-6429
Document Number	0000082448
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13074 CARDETO CT ESTERO FL 339286429, ESTERO, FL 33928-6429

Mortgage

Document Number	0000082448
Date	Apr 12, 2019
Instrument	82448

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 11, 2044

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13074 CARDETO CT, ESTERO, FL 33928-6429
Document Number	0000173256
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13074 CARDETO CT ESTERO FL 339286429, ESTERO, FL 33928-6429

Mortgage

Document Number	0000173256
Date	Jul 18, 2018
Instrument	173256

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 11, 2018
Property Address	13074 CARDETO CT, ESTERO, FL 33928-6429
Document Number	0000085781
Instrument Date	Apr 4, 2018
Instrument	85781
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	ATTORNEY ONLY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13074 CARDETO CT ESTERO FL 339286429, ESTERO, FL 33928-6429

Mortgage

Document Number	85782
Date	Apr 11, 2018
Instrument	85782

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2048

Tax Assessment & Valuation

Source: Lee County assessment roll, as of July 29, 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
2026		$181,593 (+2.7%)	$411,463 (+3.21%) Land $111,920 Building $299,543
2025	$3,179.00 (+5.72%) Homeowner's exemption	$176,819 (+5.99%)	$398,655 (-8.17%) Land $130,008 Building $268,647
2023	$3,007.00 (-2.12%) Homeowner's exemption	$166,831 (+3%)	$434,108 (+24.42%) Land $168,108 Building $266,000
2022	$3,072.00 Homeowner's exemption	$161,972	$348,897 Land $83,095 Building $265,802

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 88 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	88 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
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

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

Wildfire Risk	Very High above 93% of the US · above 88% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	2,500 / 2,500
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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