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13089 Cardeto Ct, Estero, FL 33928 Property Records

Lee County property record for 13089 Cardeto Ct, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,805 sqft · built 2012
Lot Size0.207 acres (9,017 sqft)
OwnerIndividual Name on File
Last Sale$315,000 (Nov 2020)
Tax Bill$5,246 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN32-46-26-E4-1000C.0540

Property Details

APN / Parcel Number

Primary APN32-46-26-E4-1000C.0540
Alternative APNs
  • 263246E41000C0540
  • 324626100000C0540
  • 10555103

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,805 sqft Living Area
Gross Area2,276 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 Area9,017 sqft (0.207 acres)
Garage TypeAttached
Garage Area428 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area171 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10555103
Street Address13089 CARDETO CT
CityESTERO
StateFL
Zip33928-6431
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD
Legal DescriptionBELLA TERRA UNIT FIFTEEN AS DESC IN INST #2010000240262 BLK C LOT 54
Legal Range26E
Legal Township46S
Legal Section32
Legal SubdivisionBELLA TERRA
Legal TractE4
Legal BlockC
Legal Lot Number54
Legal UnitFIFTEE
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group5
Census Block5001
Census Tract50311

Owner

Source: Lee County assessment roll, as of April 13, 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 Address13089 CARDETO CT, ESTERO, FL 33928-6431
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 23, 2020 · Amount on Record
Deed SaleNov 23, 2020 · Amount on Record
Prior SaleSep 9, 2014 · Amount on Record
Deed Document Number2020290235
Record UpdatedJun 8, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateNov 23, 2020
Property Address13089 CARDETO CT, ESTERO, FL 33928-6431
Document Number0000290235
Instrument DateNov 19, 2020
Instrument290235
Transaction TypeTransfer
Record UpdatedDec 11, 2020
Title CompanyMARKETPLACE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,205.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address13089 CARDETO CT ESTERO FL 339286431, ESTERO, FL 33928-6431

Mortgage

Document Number290236
DateNov 23, 2020
Instrument290236
Lender
NameMUTUAL/OMAHA MTG LLC
AddressSAN DIEGO, CA 92108
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 22, 2050

Tax Assessment & Valuation

Source: Lee County assessment roll, as of April 13, 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
2025$5,246.00 (+5.62%) Homeowner's exemption$335,553 (+5.99%)$353,701 (-7.51%) Land $92,863 Building $260,838
2023$4,967.00 (-0.46%) Homeowner's exemption$316,598 (+3%)$382,437 (+24.42%) Land $106,845 Building $275,592
2022$4,990.00 Homeowner's exemption$307,377 Land $83,095 Building $224,282$307,377 Land $83,095 Building $224,282

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.

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
Lumen Technologies
Fiber		2,000 / 1,000
Xfinity
Cable		1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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