18910 River Estates Ln, Alva, FL 33920 Property Records

Lee County property record for 18910 River Estates Ln, Alva, FL 33920

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,207 sqft · built 1998
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Aug 2023)
Tax Bill	$4,441 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`14-43-26-01-00000.0410`

Property Details

APN / Parcel Number

Primary APN	`14-43-26-01-00000.0410`
Alternative APNs	`26144301000000410` `10297279`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,207 sqft Living Area
Gross Area	2,828 sqft
1st Floor Area	1,859 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	87,120 sqft
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	397 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10297279
Street Address	18910 RIVER ESTATES LN
City	ALVA
State	FL
Zip	33920-3244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-2
Legal Description	NORTH RIVER ESTATES PB 51 PG 78 LOT 41
Legal Range	26E
Legal Township	43S
Legal Section	14
Legal Subdivision	NORTH RIVER ESTATES
Legal Tract	01
Legal Block	3
Legal Lot Number	41
Jurisdiction	LEE FL
Township / Civil Division	FORT MYERS SHORES
Census Block Group	3
Census Block	3021
Census Tract	30300

Owner

18910 River Estates Ln is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	18910 RIVER ESTATES LN, ALVA, FL 33920-3244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 15, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	Mar 3, 1995 · Amount on File
Deed Document Number	2023288591
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	18910 RIVER ESTATES LN, ALVA, FL 33920-3244
Transaction Type	Mortgage
Record Updated	Mar 25, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18910 RIVER ESTATES LN, ALVA, FL 33920-3244

Mortgage

Document Number	0000057411
Date	Mar 5, 2026
Instrument	2026000057411

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 31, 2023
Property Address	18910 RIVER ESTATES LN, ALVA, FL 33920-3244
Document Number	0000288591
Map Reference	MB 51 PG 77
Instrument Date	Aug 28, 2023
Instrument	2023000288591
Transaction Type	Transfer
Record Updated	Sep 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1200 SHORELINE DR APT 410, 410, GULF BREEZE, FL 32561-4737

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18910 RIVER ESTATES LN, ALVA, FL 33920-3244

Mortgage

Document Number	0000288592
Date	Aug 31, 2023
Instrument	2023000288592

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	18910 RIVER ESTATES LN, ALVA, FL 33920-3244
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18910 RIVER ESTATES LN, ALVA, FL 33920-3244

Mortgage

Document Number	0000375733
Date	Nov 15, 2021
Instrument	2021000375733

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 18910 River Estates Ln was $4,441 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		$327,921 (+2.7%)	$333,763 (+2.57%) Land $77,207 Building $256,556
2025	$4,441.00 Homeowner's exemption	$319,300	$325,385 Land $77,207 Building $248,178
2023	$6,338.00 (+238.39%) Widower's exemption	$411,228 (+209.21%)	$411,569 (+30.14%) Land $176,320 Building $235,249
2022	$1,873.00 Homeowner's exemption Widower's exemption	$132,991	$316,250 Land $101,407 Building $214,843

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 18910 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 18910 River Estates Ln is high, ranking above 87% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	High above 87% of the US · above 79% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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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