20021 Chapel Trce, Estero, FL 33928 Property Records

Lee County property record for 20021 Chapel Trce, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,020 sqft · built 2007
Lot Size	0.531 acres (23,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Jul 2020)
Tax Bill	$12,836 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`32-46-25-E1-0700E.0070`

Property Details

APN / Parcel Number

Primary APN	`32-46-25-E1-0700E.0070`
Alternative APNs	`253246E10700E0070` `324625070000E0070` `10448887`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,020 sqft Living Area
Gross Area	5,531 sqft
1st Floor Area	2,881 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	23,143 sqft (0.531 acres)
View / Lot	Creek
Garage Type	Attached
Garage Area	850 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Florida Room
Porch Area	661 sqft
Patio Area	827 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	10448887
Street Address	20021 CHAPEL TRCE
City	ESTERO
State	FL
Zip	33928-2964
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WEST BAY CLUB PB 62 PGS 79-111 BLK E LOT 7
Legal Range	25E
Legal Township	46S
Legal Section	32
Legal Subdivision	WEST BAY CLUB
Legal Tract	E1
Legal Block	E
Legal Lot Number	7
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1001
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	20021 CHAPEL TRCE, ESTERO, FL 33928-2964
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020 · Amount on Record
Deed Sale	Jul 27, 2020 · Amount on Record
Prior Sale	Jul 5, 2013 · Amount on Record
Deed Document Number	2020169968
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jul 27, 2020
Property Address	20021 CHAPEL TRCE, ESTERO, FL 33928-2964
Document Number	0000169968
Instrument Date	Jul 24, 2020
Instrument	169968
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,075.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20021 CHAPEL TRCE ESTERO FL 339282964, ESTERO, FL 33928-2964

Mortgage

Document Number	169969
Date	Jul 27, 2020
Instrument	169969

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2050

Mortgage

Document Number	169970,
Date	Jul 27, 2020
Instrument	169970

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2050

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		$1,034,027 (+3.62%)	$1,396,883 (+19.25%) Land $224,658 Building $1,172,225
2025	$12,836.00 (+6%) Homeowner's exemption	$997,868 (+5.99%)	$1,171,438 (-0.4%) Land $251,294 Building $920,144
2023	$12,109.00 (+1.25%) Homeowner's exemption	$941,500 (+3%)	$1,176,151 (+28.67%) Land $317,135 Building $859,016
2022	$11,960.00 Homeowner's exemption	$914,078 Land $183,928 Building $730,150	$914,078 Land $183,928 Building $730,150

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 46% of the US · lower than 82% 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 92 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Chapel Trce

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