20309 Ardore Ln, Estero, FL 33928 Property Records

Lee County property record for 20309 Ardore Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,992 sqft · built 2004
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Company Names on Record
Last Sale	$430,000 (Feb 2020)
Tax Bill	$8,167 (2025)
Deeds & Mortgages	Nov 2025 Transfer Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E2-0100E.0020`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E2-0100E.0020`
Alternative APNs	`262946E20100E0020` `294626010000E0020` `10488215`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,992 sqft Living Area
Gross Area	5,435 sqft
1st Floor Area	1,239 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	7,492 sqft (0.172 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	582 sqft
Parking Spaces	2 Parking Spaces
Pool Area	1 sqft
Porch	Florida Room
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10488215
Street Address	20309 ARDORE LN
City	ESTERO
State	FL
Zip	33928-6324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	BELLA TERRA UNIT ONE PB 77 PG 84 BLK E LOT 2
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Tract	E2
Legal Block	E
Legal Lot Number	2
Legal Unit	1
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	5
Census Block	5004
Census Tract	50311

Owner

Source: Lee County records, as of April 13, 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 Company Names on Record
Mailing Address	20309 ARDORE LN, ESTERO, FL 33928-6324
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Intrafamily Transfer, Transfer
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 28, 2020	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 19, 2019	Deed of Trust, Mortgage · Line of Credit LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020 · Amount on Record
Deed Sale	Feb 28, 2020 · Amount on Record
Prior Sale	Aug 15, 2012 · Amount on Record
Deed Document Number	202052723
Last Transfer Date	Nov 14, 2025
Transfer Doc	0000303506
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Nov 14, 2025
Property Address	20309 ARDORE LN, ESTERO, FL 33928-6324
Document Number	0000303506
Map Reference	MB 77 PG 84-99
Instrument Date	Nov 14, 2025
Instrument	2025000303506
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20309 ARDORE LN, ESTERO, FL 33928-6324

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20309 ARDORE LN, ESTERO, FL 33928-6324

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20309 ARDORE LN, ESTERO, FL 33928-6324
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19611 WESTMINSTER DR, MOKENA, IL 60448-2403

Mortgage

Document Number	0000037767
Date	Feb 4, 2021
Instrument	2021000037767

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 28, 2020
Property Address	20309 ARDORE LN, ESTERO, FL 33928-6324
Document Number	0000052723
Map Reference	MB 77 PG 84-99
Instrument Date	Feb 26, 2020
Instrument	2020000052723
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE ALLIANCE OF COLLIER CN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17290 HIDDEN ESTATES CIR, 17290, FORT MYERS, FL 33908-5053

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20309 ARDORE LN, ESTERO, FL 33928-6324

Mortgage

Document Number	0000052726
Date	Feb 28, 2020
Instrument	2020000052726

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20309 ARDORE LN, ESTERO, FL 33928-6324
Document Number	0000162678
Instrument Date	Jun 19, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20309 ARDORE LN ESTERO FL 339286324, ESTERO, FL 33928-6324

Mortgage

Document Number	0000162678
Date	Jul 11, 2019
Instrument	162678

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 10, 2044

Interest

Rate Type	Adjustable Rate

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	$8,167.00 (+2.07%)	$459,785 (-28.74%)	$606,268 (-6.03%) Land $97,708 Building $508,560
2024	$8,001.00 (+15.22%)	$645,182 (+30.11%) Land $106,152 Building $539,030	$645,182 (+30.11%) Land $106,152 Building $539,030
2023	$6,944.00 (+10.5%)	$495,880 (+19.28%) Land $99,450 Building $396,430	$495,880 (+19.28%) Land $99,450 Building $396,430
2022	$6,284.00	$415,713 Land $97,500 Building $318,213	$415,713 Land $97,500 Building $318,213

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 88 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	88 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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