13778 Cleto Dr, Estero, FL 33928 Property Records

Lee County property record for 13778 Cleto Dr, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,735 sqft · built 2010
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jan 2026)
Tax Bill	$5,225 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E3-0800D.0040`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E3-0800D.0040`
Alternative APNs	`262946E30800D0040` `294626080000D0040` `10513316`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,735 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	1,564 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Townhouse
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	455 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	162 sqft
Patio Area	171 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	10513316
Street Address	13778 CLETO DR
City	ESTERO
State	FL
Zip	33928-6401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	BELLA TERRA UNIT FIVE DESC IN INST#2005-82140 BLK D LOT 4
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Tract	E3
Legal Block	D
Legal Lot Number	4
Legal Unit	5
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	5
Census Block	5001
Census Tract	50311

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 Record	2 Individual Names on File
Mailing Address	13778 CLETO DR, ESTERO, FL 33928-6401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage SANIBEL CAPTIVA COMMUNITY BANK
Jan 14, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTHSTATE BANK NA
Nov 2, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 14, 2026 · Amount on Record
Deed Sale	Jan 14, 2026 · Amount on Record
Prior Sale	Jan 26, 2015 · Amount on Record
Deed Document Number	20269952
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	13778 CLETO DR, ESTERO, FL 33928-6401
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13750 PLATI CT, ESTERO, FL 33928-7300

Mortgage

Document Number	0000322035
Date	Sep 30, 2021
Instrument	2021000322035

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 14, 2026
Property Address	13778 CLETO DR, ESTERO, FL 33928-6401
Document Number	0000009952
Map Reference	DOC 2005000082140
Instrument Date	Jan 13, 2026
Instrument	2026000009952
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	INTEGRITY LAND TITLE INC, INTEGRITY PALMS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13750 PLATI CT, ESTERO, FL 33928-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13778 CLETO DR, ESTERO, FL 33928-6401

Mortgage

Document Number	0000009953
Date	Jan 14, 2026
Instrument	2026000009953

Lender

Name	SOUTHSTATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Nov 2, 2023
Property Address	13778 CLETO DR, ESTERO, FL 33928-6401
Document Number	0000354791
Map Reference	DOC 2005000082140
Instrument Date	Nov 1, 2023
Instrument	2023000354791
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13750 PLATI CT, ESTERO, FL 33928-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	13750 PLATI CT, ESTERO, FL 33928-7300

Tax Assessment & Valuation

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	$5,225.00 (+1.5%)	$298,298 (-13.03%) Land $69,647 Building $228,651	$298,298 (-13.03%) Land $69,647 Building $228,651
2023	$5,148.00 (+9.91%)	$342,975 (+19.77%) Land $61,808 Building $281,167	$342,975 (+19.77%) Land $61,808 Building $281,167
2022	$4,684.00	$286,362 Land $58,850 Building $227,512	$286,362 Land $58,850 Building $227,512

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	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Lumen Technologies.

Cell Coverage

5G (outdoors only) and 4G LTE

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