19820 Chapel Trce, Estero, FL 33928 Property Records

Lee County property record for 19820 Chapel Trce, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 3,965 sqft · built 2007
Lot Size	0.274 acres (11,914 sqft)
Owner	Company Name on Record
Last Sale	$1,100,000 (Apr 2026)
Tax Bill	$13,228 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`31-46-25-E2-1100F.0380`

Property Details

APN / Parcel Number

Primary APN	`31-46-25-E2-1100F.0380`
Alternative APNs	`253146E21100F0380` `10457686`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,965 sqft Living Area
Gross Area	4,727 sqft
1st Floor Area	2,629 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	11,914 sqft (0.274 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Florida Room
Porch Area	330 sqft
Patio Area	1,024 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	10457686
Street Address	19820 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 38
Legal Range	25E
Legal Township	46S
Legal Section	31
Legal Subdivision	WEST BAY CLUB
Legal Tract	E2
Legal Block	F
Legal Lot Number	38
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 April 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	N21W29844 GLEN COVE RD, PEWAUKEE, WI 53072-4842
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK
May 13, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	May 13, 2021 · Amount on Record
Deed Document Number	202698847
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 16, 2026
Property Address	19820 CHAPEL TRCE, ESTERO, FL 33928-1918
Document Number	0000098847
Instrument Date	Apr 15, 2026
Instrument	2026.98847
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	N21W29844 GLEN COVE RD, PEWAUKEE, WI 53072-4842

Mortgage

Document Number	0000098849,
Date	Apr 16, 2026
Instrument	2026.98849

Lender

Name	ASSOCIATED BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 13, 2021
Property Address	19820 CHAPEL TRCE, ESTERO, FL 33928-1918
Document Number	0000157716
Map Reference	MB 66 PG 82&83
Instrument Date	Mar 18, 2021
Instrument	2021000157716
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,355.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	BRAHEGATAN 62 4TH FLOOR FL 4TH, 4TH, STOCKHOLM XX

Mortgage

Document Number	0000157717
Date	May 13, 2021
Instrument	2021000157717

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

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	$13,228.00 (+254.35%)	$975,781 (+272.87%)	$1,005,165 (+284.1%) Land $241,443 Building $763,722
2023	$3,733.00 (-62.57%)	$261,694 (-64.3%) Land $261,684 Building $10	$261,694 (-64.3%) Land $261,684 Building $10
2022	$9,974.00	$733,119 Land $166,997 Building $566,122	$733,119 Land $166,997 Building $566,122

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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