18431 River Estates Ln, Alva, FL 33920 Property Records

Lee County property record for 18431 River Estates Ln, Alva, FL 33920

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,840 sqft · built 1995
Lot Size	1.35 acres (58,806 sqft)
Owner	2 Individual Names on File
Last Sale	$479,000 (Jan 2021)
Tax Bill	$3,495 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`14-43-26-L2-00000.0070`

Property Details

APN / Parcel Number

Primary APN	`14-43-26-L2-00000.0070`
Alternative APNs	`261443L2000000070` `10611141` `10583435`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,840 sqft Living Area
Gross Area	4,764 sqft
1st Floor Area	1,880 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	58,806 sqft
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Florida Room
Porch Area	396 sqft
Patio Area	1,060 sqft
Utility Building	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10611141
Street Address	18431 RIVER ESTATES LN
City	ALVA
State	FL
Zip	33920-3237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-2
Legal Description	NORTH RIVER ESTATES PB 51 PG 78 LOT 7
Legal Range	26E
Legal Township	43S
Legal Section	14
Legal Subdivision	NORTH RIVER ESTATES
Legal Tract	01
Legal Block	3
Legal Lot Number	7
Jurisdiction	LEE FL
Township / Civil Division	FORT MYERS SHORES
Census Block Group	3
Census Block	3021
Census Tract	30300

Owner

18431 River Estates Ln is owned and occupied by two individuals who bought it in January 2021.

Source: Lee County records, as of July 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18431 RIVER ESTATES LN, ALVA, FL 33920-3237
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Jan 6, 2021	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	Jun 2, 2006 · Amount on File
Deed Document Number	20215300
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	18431 RIVER ESTATES LN, ALVA, FL 33920-3237
Transaction Type	Mortgage
Record Updated	May 3, 2023
Title Company	TOWNSEND TITLE INSURANCE AGENCY LLC, TOWNSEND TITLE INS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18431 RIVER ESTATES LN 1, 1, ALVA, FL 33920-3237

Mortgage

Document Number	0000048598
Date	Feb 11, 2022
Instrument	2022000048598

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	18431 RIVER ESTATES LN, ALVA, FL 33920-3237
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018555
Date	Jan 24, 2018
Instrument	2018000018555

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2038

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 6, 2021
Property Address	18431 RIVER ESTATES LN, ALVA, FL 33920-3237
Document Number	0000005300
Map Reference	MB 51 PG 77-81
Instrument Date	Jan 4, 2020
Instrument	2021000005300
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TOWNSEND TITLE INS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,353.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17610 TAYLOR RD, 17610, ALVA, FL 33920-3221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18431 RIVER ESTATES LN, ALVA, FL 33920-3237

Mortgage

Document Number	0000005301
Date	Jan 6, 2021
Instrument	2021000005301

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 18431 River Estates Ln was $3,495 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Lee County
Unified School District	Lee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$261,672 (+2.7%)	$423,949 (-22.59%) Land $128,877 Building $295,072
2025	$3,495.00 Homeowner's exemption	$254,793	$547,650 Land $133,438 Building $414,212
2023	$3,270.00 (-3.34%) Homeowner's exemption	$240,400 (+3%)	$419,799 (+14.54%) Land $89,368 Building $330,431
2022	$3,383.00 Homeowner's exemption	$233,398	$366,518 Land $51,300 Building $315,218

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 18431 River Estates Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 99 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	26 (2001–2025)
Claims Outside the SFHA	2 of 26
Most Recent Claim	Jul 2025
Claims by Event	Hurricane Ian, Sep 2022 · 13 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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 18431 River Estates Ln is high, ranking above 82% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	0.7% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: CenturyLink, T-Mobile.

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