13090 Cardeto Ct, Estero, FL 33928 Property Records

Lee County property record for 13090 Cardeto Ct, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,802 sqft · built 2012
Lot Size	0.212 acres (9,235 sqft)
Owner	2 Individual Names on Record
Last Sale	$374,000 (Aug 2018)
Tax Bill	$5,116 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-46-26-E4-1000C.0440`

Property Details

APN / Parcel Number

Primary APN	`32-46-26-E4-1000C.0440`
Alternative APNs	`263246E41000C0440` `324626100000C0440` `10555142`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,802 sqft Living Area
Gross Area	3,399 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	9,235 sqft (0.212 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Florida Room
Porch Area	177 sqft
Patio Area	458 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	10555142
Street Address	13090 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 44
Legal Range	26E
Legal Township	46S
Legal Section	32
Legal Subdivision	BELLA TERRA
Legal Tract	E4
Legal Block	C
Legal Lot Number	44
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	13090 CARDETO CT, ESTERO, FL 33928-6429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Aug 9, 2018	Warranty Deed, Transfer · Conventional Mortgage MARKETPLACE HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2018 · Amount on Record
Deed Sale	Aug 9, 2018 · Amount on Record
Prior Sale	Aug 17, 2012 · Amount on Record
Deed Document Number	2018192649
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13090 CARDETO CT, ESTERO, FL 33928-6429
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13090 CARDETO CT, ESTERO, FL 33928-6429

Mortgage

Document Number	0000205475
Date	Jun 22, 2021
Instrument	2021000205475

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 9, 2018
Property Address	13090 CARDETO CT, ESTERO, FL 33928-6429
Document Number	0000192649
Instrument Date	Aug 6, 2018
Instrument	192649
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	TITLE GROUP, TITLE GROUP/FT MYERS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,618.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	156 STOBE AVE STATEN ISLAND NY 103063518, STATEN ISLAND, NY 10306-3518

Mortgage

Document Number	192650
Date	Aug 9, 2018
Instrument	192650

Lender

Name	MARKETPLACE HM MTG
Type	Mortgage Company
Address	EDINA, MN 55435

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

Mortgage

Document Number	192651,
Date	Aug 9, 2018
Instrument	192651

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

Interest

Rate Type	Adjustable Rate

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		$339,435 (+4.28%)	$485,762 (-3.3%) Land $94,155 Building $391,607
2025	$5,116.00 (+5.72%) Homeowner's exemption	$325,511 (+4.38%)	$502,359 (+2.68%) Land $97,708 Building $404,651
2023	$4,839.00 (-1.71%) Homeowner's exemption	$311,841 (+3%)	$489,228 (+19.29%) Land $122,575 Building $366,653
2022	$4,923.00 Homeowner's exemption	$302,758	$410,133 Land $97,500 Building $312,633

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 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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