19810 Chapel Trce, Estero, FL 33928 Property Records

Lee County property record for 19810 Chapel Trce, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,102 sqft · built 2007
Lot Size	0.294 acres (12,798 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Jul 2007)
Tax Bill	$7,330 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`31-46-25-E2-1100F.0370`

Property Details

APN / Parcel Number

Primary APN	`31-46-25-E2-1100F.0370`
Alternative APNs	`253146E21100F0370` `314625110000F0370` `10457685`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,102 sqft Living Area
Gross Area	5,096 sqft
1st Floor Area	2,975 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	12,798 sqft (0.294 acres)
Garage Type	Attached
Garage Area	573 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	163 sqft
Patio Area	734 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	10457685
Street Address	19810 CHAPEL TRCE
City	ESTERO
State	FL
Zip	33928-1918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WEST BAY CLUB UNIT II PB 66 PG 82 BLK F LOT 37
Legal Range	25E
Legal Township	46S
Legal Section	31
Legal Subdivision	WEST BAY CLUB
Legal Tract	E2
Legal Block	F
Legal Lot Number	37
Legal Unit	2
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1004
Census Tract	50319

Owner

Source: Lee County records, as of June 2, 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 Record
Mailing Address	19810 CHAPEL TRCE, ESTERO, FL 33928-1918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN TRUST
Aug 16, 2023	Deed of Trust, Mortgage · Line of Credit FEDERAL SAVINGS BANK
Aug 6, 2019	Deed of Trust, Mortgage NORTHERN TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2007 · Amount on Record
Deed Sale	Jul 2, 2007 · Amount on Record
Deed Document Number	2007208557
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Recording Date	Sep 16, 2026
Property Address	19810 CHAPEL TRCE, ESTERO, FL 33928-1918
Document Number	0000240342
Instrument Date	Sep 1, 2026
Instrument	2026240342
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19810 CHAPEL TRCE, ESTERO, FL 33928-1918

Mortgage

Document Number	0000240342,
Date	Sep 16, 2026
Instrument	2026240342

Lender

Name	NORTHERN TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	19810 CHAPEL TRCE, ESTERO, FL 33928-1918
Transaction Type	Mortgage
Record Updated	Aug 28, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7007 BROADWAY AVE, CLEVELAND, OH 44105-1441

Mortgage

Document Number	0000275129
Date	Aug 16, 2023
Instrument	2023000275129

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	19810 CHAPEL TRCE, ESTERO, FL 33928-1918
Document Number	0000189152
Instrument Date	Aug 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 31, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19810 CHAPEL TRCE ESTERO FL 339281918, ESTERO, FL 33928-1918

Mortgage

Document Number	0000189152
Date	Aug 14, 2019
Instrument	189152

Lender

Name	NORTHERN TR
Address	CHICAGO, IL 60603

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%

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	$7,330.00 (+112.46%) Homeowner's exemption	$575,013 (+105.57%)	$1,098,011 (+292.55%) Land $254,443 Building $843,568
2023	$3,450.00 (-49.63%) Homeowner's exemption	$279,712 (-46.9%) Land $279,702 Building $10	$279,712 (-67.2%) Land $279,702 Building $10
2022	$6,849.00 Homeowner's exemption	$526,730	$852,802 Land $166,997 Building $685,805

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 266 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	755 units insured incl. 489 condo units
Nearby Flood Claims	124 (2017–2022)
Claims Outside the SFHA	28 of 124
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 71 claims Hurricane Ian, Sep 2022 · 51 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

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

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber	2,000 / 2,000
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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