1. Home
  2. Florida
  3. Lee County
  4. Estero
  5. Cardeto Ct

13082 Cardeto Ct, Estero, FL 33928 Property Records

Lee County property record for 13082 Cardeto Ct, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,063 sqft · built 2012
Lot Size0.214 acres (9,322 sqft)
OwnerIndividual Name on Record
Last Sale$507,500 (Jul 2026)
Tax Bill$1,401 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Aug 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN32-46-26-E4-1000C.0460

Property Details

APN / Parcel Number

Primary APN32-46-26-E4-1000C.0460
Alternative APNs
  • 263246E41000C0460
  • 10555144

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,063 sqft Living Area
Gross Area2,662 sqft
1st Floor Area1,677 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Architectural StyleRanch
Exterior MaterialConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialConcrete
Lot Area9,322 sqft (0.214 acres)
View / LotLake
Garage TypeAttached
Garage Area428 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Patio Area386 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10555144
Street Address13082 CARDETO CT
CityESTERO
StateFL
Zip33928-6429
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD
Legal DescriptionBELLA TERRA UNIT FIFTEEN AS DESC IN INST #2010000240262 BLK C LOT 46
Legal Range26E
Legal Township46S
Legal Section32
Legal SubdivisionBELLA TERRA
Legal TractE4
Legal BlockC
Legal Lot Number46
Legal UnitFIFTEE
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group5
Census Block5001
Census Tract50311

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 RecordIndividual Name on Record
Mailing Address13082 CARDETO CT, ESTERO, FL 33928-6429
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Jul 9, 2026Warranty Deed, Transfer · FHA Mortgage
OCMBC INC
Aug 19, 2022Warranty Deed, Transfer · VA Mortgage
USAA FSB
Mar 16, 2020Warranty Deed, Transfer
MARKETPLACE TITLE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 9, 2026 · Amount on Record
Deed SaleJul 9, 2026 · Amount on Record
Prior SaleAug 19, 2022 · Amount on Record
Deed Document Number2026182873
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateJul 9, 2026
Property Address13082 CARDETO CT, ESTERO, FL 33928-6429
Document Number0000182873
Instrument DateJul 9, 2026
Instrument2026182873
Transaction TypeTransfer
Record UpdatedJul 17, 2026
Title CompanyFIRST BOSTON TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$358,802.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address13082 CARDETO CT, ESTERO, FL 33928-6429

Mortgage

Document Number0000182874,
DateJul 9, 2026
Instrument2026182874
Lender
NameOCMBC INC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate6.53%
Max Rate-1%

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateAug 19, 2022
Property Address13082 CARDETO CT, ESTERO, FL 33928-6429
Document Number0000267105
Map ReferenceDOC 2010000240262
Instrument DateAug 17, 2022
Instrument2022000267105
Transaction TypeTransfer
Record UpdatedAug 30, 2022
Title CompanyMARKETPLACE TITLE LLC, MARKETPLACE TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$3,535.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1524 SAINT ANDREWS DR, 1524, LAWRENCE, KS 66047-1618

Transferred To (Grantee/Buyer)

NameVerified Name
Address13082 CARDETO CT, ESTERO, FL 33928-6429

Mortgage

Document Number0000267106
DateAug 19, 2022
Instrument2022000267106
Lender
NameUSAA FSB
TypeBank
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateMar 16, 2020
Property Address13082 CARDETO CT, ESTERO, FL 33928-6429
Document Number0000066589
Instrument DateMar 12, 2020
Instrument66589
Transaction TypeTransfer
Record UpdatedApr 16, 2020
Title CompanyMARKETPLACE TITLE LLC

Transaction

AmountAmount Recorded
Tax$2,205.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address23607 W 53RD TER SHAWNEE KS 662262851, SHAWNEE, KS 66226-2851

Tax Assessment & Valuation

Source: Lee County assessment roll, as of July 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
MunicipalityEstero Village
Unified School DistrictLee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$403,491 (-1.93%) Land $96,819 Building $306,672$403,491 (-1.93%) Land $96,819 Building $306,672
2025$1,401.00 (-77.25%) Homeowner's exemption$411,429 (+2.5%) Land $105,524 Building $300,548$411,429 (+2.5%) Land $105,524 Building $305,905
2024$6,158.00 (+2.45%)
2023$6,011.00 (+37.02%) Homeowner's exemption$401,409 (+53.39%) Land $123,345 Building $278,064$401,409 (+19.28%) Land $123,345 Building $278,064
2022$4,387.00 Homeowner's exemption$261,686$336,521 Land $97,500 Building $239,021

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 88 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies88 in force
Nearby Flood Claims1 (2017)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 RiskVery High
above 93% of the US · above 88% of Florida
Wildfire Likelihood1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemLEE COUNTY UTILITIES
serves 282,556 people · EPA ID FL5364048
Water SourceSurface water
Last State InspectionApr 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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)

Nearby Properties on Cardeto Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures