20158 Torch Key Way, Estero, FL 33928 Property Records

Lee County property record for 20158 Torch Key Way, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,659 sqft · built 2016
Lot Size	0.104 acres (4,541 sqft)
Owner	Individual Name on Record
Last Sale	$534,000 (May 2022)
Tax Bill	$5,308 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit May 2022 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`26-46-25-E2-35000.1570`

Property Details

APN / Parcel Number

Primary APN	`26-46-25-E2-35000.1570`
Alternative APNs	`252646E2350001570` `10572208`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,659 sqft Living Area
Gross Area	2,244 sqft
1st Floor Area	1,544 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	4,541 sqft (0.104 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	158 sqft
Patio Area	115 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	10572208
Street Address	20158 TORCH KEY WAY
City	ESTERO
State	FL
Zip	33928-4039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	TIDEWATER AS DESC IN INST# 2015000254670 LOT 157
Legal Range	25E
Legal Township	46S
Legal Section	26
Legal Subdivision	TIDEWATER
Legal Block	1
Legal Lot Number	157
Jurisdiction	LEE FL
Township / Civil Division	LEHIGH ACRES
Census Block Group	1
Census Block	1007
Census Tract	40118

Owner

Source: Lee County records, as of April 13, 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 Record
Mailing Address	20158 TORCH KEY WAY, ESTERO, FL 33928-4039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
May 5, 2022	Warranty Deed, Transfer HEIGHTS TITLE SERVICES LLC
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2022 · Amount on Record
Deed Sale	May 5, 2022 · Amount on Record
Prior Sale	Nov 16, 2016 · Amount on Record
Deed Document Number	2022152767
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20158 TORCH KEY WAY, ESTERO, FL 33928-4039
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20158 TORCH KEY WAY, ESTERO, FL 33928-4039

Mortgage

Document Number	0000139153
Date	Apr 29, 2021
Instrument	2021000139153

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 28, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 5, 2022
Property Address	20158 TORCH KEY WAY, ESTERO, FL 33928-4039
Document Number	0000152767
Map Reference	DOC 2015000254670
Instrument Date	May 4, 2022
Instrument	2022000152767
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	HEIGHTS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$3,738.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6545 W RIVER RD # 33, 6545, VERMILION, OH 44089-3412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62 BOTICELLI WAY, CANADA XX

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20158 TORCH KEY WAY, ESTERO, FL 33928-4039
Document Number	0000049715
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20158 TORCH KEY WAY ESTERO FL 339284039, ESTERO, FL 33928-4039

Mortgage

Document Number	0000049715
Date	Feb 26, 2020
Instrument	49715

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

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	$5,308.00 (-8.28%)	$379,520 (-9.36%) Land $79,458 Building $300,062	$379,520 (-9.36%) Land $79,458 Building $300,062
2023	$5,787.00 (+113.15%)	$418,725 (+96.25%) Land $59,456 Building $359,269	$418,725 (+30.65%) Land $59,456 Building $359,269
2022	$2,715.00 Homeowner's exemption	$213,363	$320,501 Land $55,100 Building $265,401

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Summit Broadband, Verizon, Xfinity.

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