20159 Torch Key Way, Estero, FL 33928 Property Records

Lee County property record for 20159 Torch Key Way, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,702 sqft · built 2017
Lot Size	0.106 acres (4,606 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Oct 2021)
Tax Bill	$4,189 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-46-25-E2-35000.0160`

Property Details

APN / Parcel Number

Primary APN	`26-46-25-E2-35000.0160`
Alternative APNs	`252646E2350000160` `10572091`

Interior

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

Exterior

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	4,606 sqft (0.106 acres)
Garage Type	Attached
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	158 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	10572091
Street Address	20159 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 16
Legal Range	25E
Legal Township	46S
Legal Section	26
Legal Subdivision	TIDEWATER
Legal Tract	E2
Legal Block	1
Legal Lot Number	16
Jurisdiction	LEE FL
Township / Civil Division	LEHIGH ACRES
Census Block Group	1
Census Block	1003
Census Tract	40118

Owner

Source: Lee County assessment roll, 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	2 Individual Names on File
Mailing Address	20159 TORCH KEY WAY, ESTERO, FL 33928-4040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Dec 1, 2017	Warranty Deed, Subdivision Related Transfer PGP TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Dec 1, 2017 · Amount on Record
Deed Document Number	2021344185
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20159 TORCH KEY WAY, ESTERO, FL 33928-4040
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20159 TORCH KEY WAY, ESTERO, FL 33928-4040

Mortgage

Document Number	0000119446
Date	Apr 4, 2023
Instrument	2023000119446

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 29, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Oct 19, 2021
Property Address	20159 TORCH KEY WAY, ESTERO, FL 33928-4040
Document Number	0000344185
Map Reference	DOC 2015-254670
Instrument Date	Oct 14, 2021
Instrument	2021000344185
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	PARADISE BCH TITLE LLC, PARADISE COAST T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13230 GALENA WAY, 13230, APPLE VALLEY, MN 55124-6127

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20159 TORCH KEY WAY, ESTERO, FL 33928-4040

Mortgage

Document Number	0000344186
Date	Oct 19, 2021
Instrument	2021000344186

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Dec 1, 2017
Property Address	20159 TORCH KEY WAY, ESTERO, FL 33928-4040
Document Number	0000248929
Instrument Date	Nov 29, 2017
Instrument	248929
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 11, 2018
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Tax	$1,964.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13230 GALENA WAY APPLE VALLEY MN 551246127, APPLE VALLEY, MN 55124-6127

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	$4,189.00 (+7.11%) Homeowner's exemption	$333,799 (+5.99%)	$354,657 (-4.29%) Land $76,809 Building $277,848
2023	$3,911.00 (-0.58%) Homeowner's exemption	$314,944 (+3%)	$370,549 (+21.19%) Land $52,893 Building $317,656
2022	$3,934.00 Homeowner's exemption	$305,771 Land $52,500 Building $253,271	$305,771 Land $52,500 Building $253,271

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 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

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

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)
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.

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