Lee County property record for 20131 Torch Key Way, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,702 sqft · built 2017 |
| Lot Size | 0.099 acres (4,292 sqft) |
| Owner | Individual Name on File |
| Last Sale | $358,000 (May 2026) |
| Tax Bill | $4,883 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-46-25-E2-35000.0090 |
| Primary APN | 26-46-25-E2-35000.0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,702 sqft Living Area |
| Gross Area | 2,129 sqft |
| 1st Floor Area | 1,544 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Townhouse |
| Exterior Material | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 4,292 sqft (0.099 acres) |
| Garage Type | Attached |
| Garage Area | 427 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 158 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10572084 |
|---|---|
| Street Address | 20131 TORCH KEY WAY |
| City | ESTERO |
| State | FL |
| Zip | 33928-4040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPD |
| Legal Description | TIDEWATER AS DESC IN INST# 2015000254670 LOT 9 |
| Legal Range | 25E |
| Legal Township | 46S |
| Legal Section | 26 |
| Legal Subdivision | TIDEWATER |
| Legal Tract | E2 |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | LEE FL |
| Township / Civil Division | LEHIGH ACRES |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 40118 |
Source: Lee County records · APN 26-46-25-E2-35000.0090
Assessment roll updated April 13, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 770 LIGHTHOUSE DR, 202A, BARNEGAT, NJ 08005-2302 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Aug 12, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Oct 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| May 01, 2026 | Warranty Deed, Transfer · Conventional Mortgage HMA MORTGAGE |
| Jan 17, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 01, 2026 · Amount on Record |
| Deed Sale | May 01, 2026 · Amount on Record |
| Prior Sale | Jan 17, 2018 · Amount on Record |
| Deed Document Number | 2026115317 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20131 TORCH KEY WAY, ESTERO, FL 33928-4040 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20131 TORCH KEY WAY, ESTERO, FL 33928-4040 |
| Document Number | 0000260728 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 2022000260728 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20131 TORCH KEY WAY, ESTERO, FL 33928-4040 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 20131 TORCH KEY WAY, ESTERO, FL 33928-4040 |
| Document Number | 0000344785 |
|---|---|
| Date | Oct 20, 2021 |
| Instrument | 2021000344785 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | May 01, 2026 |
| Property Address | 20131 TORCH KEY WAY, ESTERO, FL 33928-4040 |
| Document Number | 0000115317 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.115317 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | MARKET PLACE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $253,106.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000115318, |
|---|---|
| Date | May 01, 2026 |
| Instrument | 2026..115318 |
| Name | HMA MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Jan 17, 2018 |
| Property Address | 20131 TORCH KEY WAY, ESTERO, FL 33928-4040 |
| Document Number | 0000012981 |
| Map Reference | DOC2015000245670 |
| Instrument Date | Jan 12, 2018 |
| Instrument | 2018000012981 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | PGP TOTLE OF LFORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24311 WALDEN CENTER DR # DR300, 24311, BONITA SPRINGS, FL 34134-4937 |
| Name | Verified Name |
|---|---|
| Address | 20131 TORCH KEY WAY, ESTERO, FL 33928-4040 |
| Document Number | 0000012982 |
|---|---|
| Date | Jan 17, 2018 |
| Instrument | 2018000012982 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2048 |
Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Municipality | Estero Village |
| Unified School District | Lee County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,883.00 (+7.94%) | $346,909 (-3.73%) Land $76,809 Building $270,100 | $346,909 (-3.73%) Land $76,809 Building $270,100 |
| 2023 | $4,524.00 (+11.98%) | $360,332 (+18.53%) Land $49,288 Building $311,044 | $360,332 (+18.53%) Land $49,288 Building $311,044 |
| 2022 | $4,040.00 | $304,012 Land $52,500 Building $251,512 | $304,012 Land $52,500 Building $251,512 |
Source: FEMA National Flood Hazard Layer as of September 23, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 79 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 79 in force |
| Nearby Flood Claims | 2 (1988–2022) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber · DSL in parts of the area | 2,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Orlando Telephone Company, Verizon, Xfinity.
Based on FCC filings for 300 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LEE COUNTY UTILITIES serves 282,556 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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