19860 Chapel Trce, Estero, FL 33928 Property Records

Lee County property record for 19860 Chapel Trce, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,166 sqft · built 2007
Lot Size	0.263 acres (11,439 sqft)
Owner	2 Individual Names on Record
Last Sale	$895,000 (Oct 2021)
Tax Bill	$11,357 (2025)
Deeds & Mortgages	May 2021 Line of Credit Feb 2022 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`31-46-25-E2-1100F.0420`

Property Details

APN / Parcel Number

Primary APN	`31-46-25-E2-1100F.0420`
Alternative APNs	`253146E21100F0420` `314625110000F0420` `10457690`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,166 sqft Living Area
Gross Area	5,098 sqft
1st Floor Area	3,037 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	11,439 sqft (0.263 acres)
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Slab
Porch Area	126 sqft
Patio Area	817 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	10457690
Street Address	19860 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 42
Legal Range	25E
Legal Township	46S
Legal Section	31
Legal Subdivision	WEST BAY CLUB
Legal Tract	E2
Legal Block	F
Legal Lot Number	42
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	2 Individual Names on Record
Mailing Address	19860 CHAPEL TRCE, ESTERO, FL 33928-1918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF WASECA
Feb 2, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Oct 13, 2021	Warranty Deed, Transfer LEGACY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021 · Amount on Record
Deed Sale	Oct 13, 2021 · Amount on Record
Prior Sale	Mar 30, 2010 · Amount on Record
Deed Document Number	2021336349
Last Transfer Date	Feb 1, 2022
Transfer Doc	0000038065
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	19860 CHAPEL TRCE, ESTERO, FL 33928-1918
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19860 CHAPEL TRCE, ESTERO, FL 33928-1918

Mortgage

Document Number	0000145149
Date	May 4, 2021
Instrument	2021000145149

Lender

Name	FIRST NATIONAL BANK OF WASECA
Type	Bank
Address	WASECA, MN 56093

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Feb 2, 2022
Property Address	19860 CHAPEL TRCE, ESTERO, FL 33928-1918
Document Number	0000038065
Map Reference	MB 66 PG 82&83
Instrument Date	Feb 1, 2022
Instrument	2022000038065
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19860 CHAPEL TRCE, ESTERO, FL 33928-1918

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Oct 13, 2021
Property Address	19860 CHAPEL TRCE, ESTERO, FL 33928-1918
Document Number	0000336349
Map Reference	MB 66 PG 82&83
Instrument Date	Oct 6, 2021
Instrument	2021000336349
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Tax	$6,265.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 GREENHILL ST, 306, GREAT FALLS, VA 22066-3517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19860 CHAPEL TRCE, ESTERO, FL 33928-1918

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	$11,357.00 (+6.07%) Homeowner's exemption	$884,325 (+5.99%)	$1,110,539 (+12.61%) Land $241,443 Building $869,096
2023	$10,707.00 (+1.13%) Homeowner's exemption	$834,371 (+3%)	$986,159 (+21.74%) Land $248,425 Building $737,734
2022	$10,587.00 Homeowner's exemption	$810,069 Land $166,997 Building $643,072	$810,069 Land $166,997 Building $643,072

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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