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20306 Fair Oak Ln, Estero, FL 33928 Property Records

Lee County property record for 20306 Fair Oak Ln, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Lot Size0.145 acres (6,334 sqft)
Owner2 Individual Names on Record
Last Sale$686,400 (Apr 2024)
Tax Bill$9,027 (2025)
Deeds & MortgagesSep 2025 Mortgage
Apr 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30-46-26-E2-08000.3120

Property Details

APN / Parcel Number

Primary APN30-46-26-E2-08000.3120
Alternative APNs
  • 263046E2080003120
  • 10620185

Exterior

Lot Area6,334 sqft (0.145 acres)
PorchPorch
Porch Area36 sqft

Location & Zoning

Account Number10620185
Street Address20306 FAIR OAK LN
CityESTERO
StateFL
Zip33928-4068
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD
Legal DescriptionRIVERCREEK PHASE TWO LOT 312 AS DESC IN INST# 2023000122423
Legal SubdivisionRIVERCREEKPHASE
Legal Block1
Legal Lot Number312
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group4
Census Block4000
Census Tract50311

Owner

Source: Lee County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address27W661 GARYS MILL RD, WINFIELD, IL 60190-1506
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2025Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Apr 2, 2024Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
GL FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 2, 2024 · Amount on Record
Deed SaleApr 2, 2024 · Amount on Record
Deed Document Number202491967
Record UpdatedJun 8, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address20306 FAIR OAK LN, ESTERO, FL 33928-4068
Transaction TypeMortgage
Record UpdatedDec 26, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address27 W 661 GARYS MILL ROAD, WINFIELD, IL 60190

Mortgage

Document Number0000244238
DateSep 10, 2025
Instrument2025000244238
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueOct 1, 2040

April 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionLEE FL
Recording DateApr 2, 2024
Property Address20306 FAIR OAK LN, ESTERO, FL 33928-4068
Document Number0000091967
Map ReferenceDOC 2023000122423
Instrument DateMar 29, 2024
Instrument2024000091967
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 26, 2025
Title CompanyNOVA TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,804.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1600 SAWGRASS CORPORATE PKWY STE 400, 400, SUNRISE, FL 33323-2890

Transferred To (Grantee/Buyer)

NameVerified Name
Address27W661 GARYS MILL RD, WINFIELD, IL 60190-1506

Mortgage

Document Number0000091968
DateApr 2, 2024
Instrument2024000091968
Lender
NameGL FINANCIAL SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2054

Tax Assessment & Valuation

Source: Lee County assessment roll, as of April 13, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
MunicipalityEstero Village
Unified School DistrictLee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,027.00 (+201.7%)$514,532 (+478.58%) Land $67,023 Building $447,509$514,532 (+478.58%) Land $67,023 Building $447,509
2023$2,992.00$88,930 Land $88,930$88,930 Land $88,930

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 60 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies60 in force
Nearby Flood Claims2 (2017–2022)
Claims Outside the SFHA2 of 2
Most Recent ClaimSep 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 RiskHigh
above 75% of the US · above 62% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		2,000 / 250

May also be available: CenturyLink.

Cell Coverage

5G and 4G LTE (outdoors only)

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