19840 Chapel Trce, Estero, FL 33928 Property Records

Lee County property record for 19840 Chapel Trce, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 3,505 sqft · built 2007
Lot Size	0.245 acres (10,655 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,115,000 (Feb 2026)
Tax Bill	$12,286 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Mar 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`31-46-25-E2-1100F.0400`

Property Details

APN / Parcel Number

Primary APN	`31-46-25-E2-1100F.0400`
Alternative APNs	`253146E21100F0400` `314625110000F0400` `10457688`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,505 sqft Living Area
Gross Area	4,258 sqft
1st Floor Area	2,651 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	10,655 sqft (0.245 acres)
Garage Type	Attached
Garage Area	433 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Florida Room
Porch Area	320 sqft
Patio Area	462 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10457688
Street Address	19840 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 40
Legal Range	25E
Legal Township	46S
Legal Section	31
Legal Subdivision	WEST BAY CLUB
Legal Tract	E2
Legal Block	F
Legal Lot Number	40
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 July 29, 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	19840 CHAPEL TRCE, ESTERO, FL 33928-1918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY BANK
Mar 24, 2021	Warranty Deed, Transfer LEGACY TITLE
Dec 30, 2016	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Mar 24, 2021 · Amount on Record
Deed Document Number	202649601
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 26, 2026
Property Address	19840 CHAPEL TRCE, ESTERO, FL 33928-1918
Document Number	0000049601
Map Reference	MB 66 PG 82&83
Instrument Date	Feb 25, 2026
Instrument	2026000049601
Transaction Type	Transfer
Record Updated	Mar 10, 2026
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,805.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	82 RACHEL VINCENT WAY, BUFFALO, NY 14216-1461

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	19840 CHAPEL TRCE, ESTERO, FL 33928-1918

Mortgage

Document Number	0000049602
Date	Feb 26, 2026
Instrument	2026000049602

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 24, 2021
Property Address	19840 CHAPEL TRCE, ESTERO, FL 33928-1918
Document Number	0000092054
Map Reference	MB 66 PG 82&83
Instrument Date	Mar 19, 2021
Instrument	2021000092054
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Tax	$4,865.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6623 W MAY APPLE DR, 6623, MCCORDSVILLE, IN 46055-4447

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	82 RACHEL VINCENT WAY, BUFFALO, NY 14216-1461

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	19840 CHAPEL TRCE, ESTERO, FL 33928-1918
Document Number	0000004545
Instrument Date	Dec 30, 2016
Transaction Type	Mortgage
Record Updated	Jan 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19840 CHAPEL TRCE ESTERO FL 339281918, ESTERO, FL 33928-1918

Mortgage

Document Number	0000004545
Date	Jan 6, 2017
Instrument	4545

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 5, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$979,347 (+1%)	$1,124,128 (+18.11%) Land $200,099 Building $924,029
2025	$12,286.00 (+15.75%)	$890,315 (+3.44%)	$951,751 (+10.58%) Land $241,443 Building $710,308
2023	$10,614.00 (+10.1%)	$860,696 (+21.6%) Land $231,223 Building $629,473	$860,696 (+21.6%) Land $231,223 Building $629,473
2022	$9,640.00	$707,813 Land $166,997 Building $540,816	$707,813 Land $166,997 Building $540,816

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

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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within 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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