13500 Troia Dr, Estero, FL 33928 Property Records

Lee County property record for 13500 Troia Dr, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,123 sqft · built 2006
Lot Size	0.178 acres (7,754 sqft)
Owner	2 Individual Names on File
Last Sale	$795,000 (Jan 2024)
Tax Bill	$8,317 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-46-26-E2-0700A.0420`

Property Details

APN / Parcel Number

Primary APN	`32-46-26-E2-0700A.0420`
Alternative APNs	`263246E20700A0420` `324626070000A0420` `10513444`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,123 sqft Living Area
Gross Area	5,077 sqft
1st Floor Area	1,586 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	7,754 sqft (0.178 acres)
Garage Type	Attached
Garage Area	477 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	200 sqft
Porch	Florida Room
Patio Area	998 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10513444
Street Address	13500 TROIA DR
City	ESTERO
State	FL
Zip	33928-7304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	BELLA TERRA UNIT SIX DESC IN INST#2005-120812 BLK A LOT 42
Legal Range	26E
Legal Township	46S
Legal Section	32
Legal Subdivision	BELLA TERRA
Legal Tract	E2
Legal Block	A
Legal Lot Number	42
Legal Unit	6
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	5
Census Block	5000
Census Tract	50311

Owner

13500 Troia Dr is owned and occupied by two individuals who acquired it in May 2024.

Source: Lee County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13500 TROIA DR, ESTERO, FL 33928-7304
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jan 12, 2024	Warranty Deed, Transfer · Conventional Mortgage LENDING CAPITAL GROUP INC
Oct 21, 2022	Warranty Deed, Transfer WASHINGTON TITLE COMPANY, WASHINGTON T&E CO LLC
Jun 7, 2021	Deed of Trust, Mortgage · Construction Mortgage SANIBEL CAPTIVA COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2024 · Amount on File
Deed Sale	Jan 12, 2024 · Amount on File
Prior Sale	Oct 21, 2022 · Amount on File
Deed Document Number	202411474
Last Transfer Date	May 31, 2024
Transfer Doc	0000170019
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13500 TROIA DR, ESTERO, FL 33928-7304
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13500 TROIA DR, ESTERO, FL 33928-7304

Mortgage

Document Number	0000302391
Date	Nov 13, 2025
Instrument	2025000302391

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 12, 2024
Property Address	13500 TROIA DR, ESTERO, FL 33928-7304
Document Number	0000011474
Map Reference	DOC 2005000120812
Instrument Date	Jan 11, 2024
Instrument	2024000011474
Transaction Type	Transfer
Record Updated	Jan 25, 2024
Title Company	NOT AVAILABLE, ROSS TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,565.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	53 ROWNTREE MILL ROAD, CANADA XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 12TH ST NE, NAPLES, FL 34120-9431

Mortgage

Document Number	0000011475
Date	Jan 12, 2024
Instrument	2024000011475

Lender

Name	LENDING CAPITAL GROUP INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Oct 21, 2022
Property Address	13500 TROIA DR, ESTERO, FL 33928-7304
Document Number	0000319646
Map Reference	DOC 2005000120812
Instrument Date	Oct 14, 2022
Instrument	2022000319646
Transaction Type	Transfer
Record Updated	Nov 2, 2022
Title Company	WASHINGTON TITLE COMPANY, WASHINGTON T&E CO LLC

Transaction

Amount	Amount on Record
Tax	$5,460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9760 HORNE LN, 9760, ESTERO, FL 33928-6277

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	53 ROWNTREE MILL ROAD, TRENTON, FL 32693

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13500 TROIA DR, ESTERO, FL 33928-7304
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000187267
Date	Jun 7, 2021
Instrument	2021000187267

Lender

Name	SANIBEL CAPTIVA COMMUNITY BANK
Type	Bank
Address	SANIBEL, FL 33957

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 28, 2051

Interest

Rate Type	Adjustable Rate
Type Change Date	May 26, 2024
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	7.37%
Index	Prime Rate
Margin	1
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 13500 Troia Dr was $8,317 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	$8,317.00 Homeowner's exemption	$571,393 Land $92,863 Building $478,530	$571,393 Land $92,863 Building $478,530
2023	$8,462.00 (+29.35%)	$544,032 (+24.42%) Land $91,840 Building $452,192	$544,032 (+24.42%) Land $91,840 Building $452,192
2022	$6,542.00	$437,250 Land $83,095 Building $354,155	$437,250 Land $83,095 Building $354,155

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

Flood

FEMA maps place 13500 Troia Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File 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

Wildfire risk around 13500 Troia Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Troia Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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