19929 Montserrat Ln, Estero, FL 33928 Property Records

Lee County property record for 19929 Montserrat Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,599 sqft · built 2018
Lot Size	0.319 acres (13,904 sqft)
Owner	Individual Name on File
Last Sale	$1,300,000 (Sep 2020)
Tax Bill	$24,532 (2025)
Deeds & Mortgages	Oct 2026 Sale Aug 2026 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`31-46-25-E2-33000.0120`

Property Details

APN / Parcel Number

Primary APN	`31-46-25-E2-33000.0120`
Alternative APNs	`253146E2330000120` `10568191`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,599 sqft Living Area
Gross Area	6,230 sqft
1st Floor Area	3,049 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	13,904 sqft (0.319 acres)
Garage Type	Attached
Garage Area	962 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Porch Area	669 sqft
Patio Area	1,158 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	10568191
Street Address	19929 MONTSERRAT LN
City	ESTERO
State	FL
Zip	33928-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WESTLAKE COURT TWO AS DESC IN INST# 2014000210491 LOT 12
Legal Range	25E
Legal Township	46S
Legal Section	31
Legal Subdivision	WEST BAY CLUB
Legal Tract	E2
Legal Block	1
Legal Lot Number	12
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1001
Census Tract	50319

Owner

19929 Montserrat Ln is owned and occupied by an individual who acquired it in July 2026.

Source: Lee County records, as of September 2, 2026

Owner of Record	Individual Name on File
Mailing Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 24, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 27, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA
Sep 16, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LIBERTY SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2020 · Amount on File
Deed Sale	Sep 16, 2020 · Amount on File
Deed Document Number	2020221489
Last Transfer Date	Jul 1, 2026
Transfer Doc	0000197850
Record Updated	Oct 29, 2026

October 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE FL
Recording Date	Oct 10, 2026
Property Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328
Document Number	0000264986
Instrument Date	Oct 7, 2026
Instrument	2026264986
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$120,190.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEE FL
Recording Date	Aug 24, 2026
Property Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328
Document Number	0000223538
Instrument Date	Aug 21, 2026
Instrument	2026223538
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEE FL
Recording Date	Jul 27, 2026
Property Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328
Document Number	0000197850
Instrument Date	Jul 1, 2026
Instrument	2026197850
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328
Investor	Possibly a Property Investor

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	APOLLO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328

Mortgage

Document Number	0000000682
Date	Jan 3, 2022
Instrument	2022000000682

Lender

Name	VAST BANK NA
Type	Bank
Address	87470

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

September 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Sep 16, 2020
Property Address	19929 MONTSERRAT LN, ESTERO, FL 33928-3328
Document Number	0000221489
Instrument Date	Sep 15, 2020
Instrument	221489
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19929 MONTSERRAT LN ESTERO FL 339283328, ESTERO, FL 33928-3328

Mortgage

Document Number	221490
Date	Sep 16, 2020
Instrument	221490

Lender

Name	LIBERTY SVGS
Type	Federal Savings Bank
Address	WILMINGTON, OH 45177

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2050

Mortgage

Document Number	221491,
Date	Sep 16, 2020
Instrument	221491

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 19929 Montserrat Ln was $24,532.

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		$1,830,285 (+0.56%) Land $232,318 Building $1,597,967	$1,830,285 (-4.06%) Land $232,318 Building $1,597,967
2025	$24,532.00	$1,820,117	$1,907,684 Land $278,588 Building $1,629,096
2023	$4,212.00 (-75.13%)	$298,311 (-76.9%) Land $298,301 Building $10	$298,311 (-82.77%) Land $298,301 Building $10
2022	$16,934.00 Homeowner's exemption	$1,291,169	$1,731,231 Land $268,600 Building $1,462,631

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

Flood

FEMA maps place 19929 Montserrat Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 19929 Montserrat Ln is moderate, ranking above 56% of the US, with a 0.1% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber	40,000 / 40,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

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