20140 Saraceno Dr, Estero, FL 33928 Property Records

Lee County property record for 20140 Saraceno Dr, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,993 sqft · built 2002
Lot Size	0.208 acres (9,056 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Dec 2021)
Tax Bill	$7,212 (2025)
Deeds & Mortgages	May 2020 Line of Credit Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-46-25-E1-24000.0690`

Property Details

APN / Parcel Number

Primary APN	`25-46-25-E1-24000.0690`
Alternative APNs	`252546E1240000690` `25462524000000690` `10469967`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,993 sqft Living Area
Gross Area	3,832 sqft
1st Floor Area	2,323 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	9,056 sqft (0.208 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	240 sqft
Porch	Florida Room
Porch Area	307 sqft
Patio Area	430 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10469967
Street Address	20140 SARACENO DR
City	ESTERO
State	FL
Zip	33928-7610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	SARACENO AT GRANDEZZA DESC IN PB 71 PGS 43-46 LOT 69
Legal Range	25E
Legal Township	46S
Legal Section	25
Legal Subdivision	SARACENO AT GRANDEZZA
Legal Tract	E1
Legal Block	2
Legal Lot Number	69
Jurisdiction	LEE FL
Township / Civil Division	LEHIGH ACRES
Census Block Group	2
Census Block	2005
Census Tract	40118

Owner

20140 Saraceno Dr is owned and occupied by two individuals who bought it in December 2021.

Source: Lee County records, as of July 29, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	20140 SARACENO DR, ESTERO, FL 33928-7610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2020	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 15, 2021	Re-recorded Document ATTORNEY ONLY, ATTORNEY
Mar 15, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2021 · Amount on File
Deed Sale	Dec 15, 2021 · Amount on File
Prior Sale	Mar 15, 2021 · Amount on File
Deed Document Number	2021411089
Prior Transfer Date	Sep 24, 2021
Prior Transfer Doc	0000411089
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20140 SARACENO DR, ESTERO, FL 33928-7610
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111243
Date	May 14, 2020
Instrument	2020000111243

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 23, 2050

December 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	LEE FL
Recording Date	Dec 15, 2021
Property Address	20140 SARACENO DR, ESTERO, FL 33928-7610
Document Number	0000411089
Map Reference	MB 71 PG 43-46
Instrument Date	Sep 24, 2021
Instrument	2021000411089
Record Updated	Jul 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9840 QUEENSWAY BLVD APT 1402, 9840, MYRTLE BEACH, SC 29572-5224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20140 SARACENO DR, ESTERO, FL 33928-7610

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 15, 2021
Property Address	20140 SARACENO DR, ESTERO, FL 33928-7610
Document Number	0000078747
Map Reference	MB 71 PG 43
Instrument Date	Mar 12, 2021
Instrument	2021000078747
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	PALM TITLE ASSOCIATES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,416.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4235 GOSFORD DR, 4235, AVON, OH 44011-4419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20140 SARACENO DR, ESTERO, FL 33928-7610

Mortgage

Document Number	0000078748
Date	Mar 15, 2021
Instrument	2021000078748

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 20140 Saraceno Dr was $7,212.

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		$549,908 (+4.59%) Land $143,428 Building $406,480	$549,908 (+4.59%) Land $143,428 Building $406,480
2025	$7,212.00	$525,758 Land $158,722 Building $367,036	$525,758 Land $158,722 Building $367,036
2023	$7,386.00 (+15.23%)	$585,511 (+26.46%) Land $161,296 Building $424,215	$585,511 (+26.46%) Land $161,296 Building $424,215
2022	$6,410.00	$463,003 Land $94,200 Building $368,803	$463,003 Land $94,200 Building $368,803

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

Flood

FEMA maps place 20140 Saraceno Dr in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 108 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	108 in force

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 20140 Saraceno Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000

May also be available: Verizon.

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