19748 Tesoro Way, Estero (Fort Myers), FL 33967 Property Records

Lee County property record for 19748 Tesoro Way, Estero, FL 33967

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 3,010 sqft · built 2015
Lot Size	0.164 acres (7,144 sqft)
Owner	2 Individual Names on File
Last Sale	$382,934 (Feb 2015)
Tax Bill	$4,528 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-46-25-E4-11000.2780`

Property Details

APN / Parcel Number

Primary APN	`22-46-25-E4-11000.2780`
Alternative APNs	`252246E4110002780` `10510944`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,010 sqft Living Area
Gross Area	3,632 sqft
1st Floor Area	1,655 sqft
Upper Floors Area	410 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	7,144 sqft (0.164 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Porch Area	181 sqft
Patio Area	633 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	10510944
Street Address	19748 TESORO WAY
City	ESTERO
State	FL
Zip	33967-5683
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	RESERVE AT ESTERO PHASE 2 DESC IN INST#2005-25021 LOT 278
Legal Range	25E
Legal Township	46S
Legal Section	22
Legal Subdivision	ESTERO
Legal Phase	2
Legal Tract	E4
Legal Block	1
Legal Lot Number	278
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	50207

Owner

19748 Tesoro Way is owned and occupied by two individuals who bought it in February 2015.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	19748 TESORO WAY, ESTERO, FL 33967-5683
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC
Apr 27, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2015 · Amount on File
Deed Sale	Feb 4, 2015 · Amount on File
Deed Document Number	201523448
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	19748 TESORO WAY, ESTERO, FL 33967-5683
Transaction Type	Mortgage
Record Updated	Apr 26, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000135319
Date	Apr 17, 2023
Instrument	2023000135319

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	19748 TESORO WAY, ESTERO, FL 33967-5683
Document Number	0000305770
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19748 TESORO WAY ESTERO FL 339675683, ESTERO, FL 33967-5683

Mortgage

Document Number	0000305770
Date	Dec 8, 2020
Instrument	305770

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 7, 2035

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	19748 TESORO WAY, ESTERO, FL 33967-5683
Document Number	0000111840
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19748 TESORO WAY ESTERO FL 339675683, ESTERO, FL 33967-5683

Mortgage

Document Number	0000111840
Date	May 9, 2018
Instrument	111840

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 8, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 19748 Tesoro Way was $4,528 with a homeowner's exemption.

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		$367,840 (+2.7%)	$467,189 (-14.52%) Land $86,532 Building $380,657
2025	$4,528.00 Homeowner's exemption	$358,169	$546,573 Land $100,938 Building $445,635
2023	$4,359.00 (-1.65%) Homeowner's exemption	$337,937 (+3%)	$535,656 (+22.68%) Land $107,017 Building $428,639
2022	$4,432.00 Homeowner's exemption	$328,094	$436,611 Land $95,685 Building $340,926

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

Flood

FEMA maps place 19748 Tesoro Way in Zone X, an area of minimal flood risk, though there have been 19 flood claims 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 160 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	160 in force
Nearby Flood Claims	19 (2017–2022)
Claims Outside the SFHA	18 of 19
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 16 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 19748 Tesoro Way is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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