20240 Chapel Trce, Estero, FL 33928 Property Records

Lee County property record for 20240 Chapel Trce, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,170 sqft · built 2003
Lot Size	0.303 acres (13,181 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (May 2016)
Tax Bill	$15,454 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`32-46-25-E4-0700C.0330`

Property Details

APN / Parcel Number

Primary APN	`32-46-25-E4-0700C.0330`
Alternative APNs	`253246E40700C0330` `324625070000C0330` `10448838`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,170 sqft Living Area
Gross Area	5,723 sqft
1st Floor Area	3,267 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	13,181 sqft (0.303 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	808 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	476 sqft
Porch	Slab
Porch Area	745 sqft
Patio Area	427 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	10448838
Street Address	20240 CHAPEL TRCE
City	ESTERO
State	FL
Zip	33928-2988
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WEST BAY CLUB PB 62 PGS 79-111 BLK C LOT 33
Legal Range	25E
Legal Township	46S
Legal Section	32
Legal Subdivision	WEST BAY CLUB
Legal Tract	E4
Legal Block	C
Legal Lot Number	33
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1004
Census Tract	50319

Owner

Source: Lee County records, as of April 28, 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	20240 CHAPEL TRCE, ESTERO, FL 33928-2988
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2016 · Amount on Record
Deed Sale	May 23, 2016 · Amount on Record
Prior Sale	Mar 22, 2004 · Amount on Record
Deed Document Number	2016110373
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20240 CHAPEL TRCE, ESTERO, FL 33928-2988
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399611
Date	Dec 6, 2021
Instrument	2021000399611

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	BONITA SPRINGS, FL 34135

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$15,454.00 (+16.57%)	$1,061,376 (-7.55%)	$1,299,761 (+13.21%) Land $272,935 Building $1,026,826
2023	$13,257.00 (+16.81%)	$1,148,105 (+28.67%) Land $271,828 Building $876,277	$1,148,105 (+28.67%) Land $271,828 Building $876,277
2022	$11,349.00	$892,284 Land $226,566 Building $665,718	$892,284 Land $226,566 Building $665,718

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 500 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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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