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20328 Estero Crossing Blvd, Estero, FL 33928 Property Records

Lee County property record for 20328 Estero Crossing Blvd, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Lot Size0.17 acres (7,386 sqft)
Owner2 Individual Names on Record
Last Sale$838,500 (Jan 2024)
Tax Bill$10,802 (2025)
Deeds & MortgagesJan 2026 Mortgage
Jan 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30-46-26-E2-02000.2300

Property Details

APN / Parcel Number

Primary APN30-46-26-E2-02000.2300
Alternative APNs
  • 263046E2020002300
  • 10613126

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories2 Stories

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Lot Area7,386 sqft (0.17 acres)
PorchPorch
Porch Area228 sqft

Location & Zoning

Account Number10613126
Street Address20328 ESTERO CROSSING BLVD
CityESTERO
StateFL
Zip33928-4064
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD
Legal DescriptionRIVERCREEK PHASE ONE AS DESC IN INST# 2022000118043 LOT 230
Legal SubdivisionRIVERCREEKPHASE ONE
Legal Block4
Legal Lot Number230
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group4
Census Block4005
Census Tract50311

Owner

Source: Lee County records, as of October 15, 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 Address4822 CROSS MEADOW PL, CHANTILLY, VA 20151-2357
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jan 20, 2026Deed of Trust, Mortgage · Conventional Mortgage
OPTIMUM FIRST INC
Jan 25, 2024Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
FEMBI MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 25, 2024 · Amount on Record
Deed SaleJan 25, 2024 · Amount on Record
Deed Document Number202422236
Record UpdatedOct 29, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address20328 ESTERO CROSSING BLVD, ESTERO, FL 33928-4064
Transaction TypeMortgage
Record UpdatedFeb 2, 2026
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address4822 CROSS MEADOW PL, CHANTILLY, VA 20151-2357

Mortgage

Document Number0000014507
DateJan 20, 2026
Instrument2026000014507
Lender
NameOPTIMUM FIRST INC
TypeMortgage Company
AddressHUNTINGTON BEACH, CA 92647
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueFeb 1, 2041

January 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionLEE FL
Recording DateJan 25, 2024
Property Address20328 ESTERO CROSSING BLVD, ESTERO, FL 33928-4064
Document Number0000022236
Map ReferenceDOC 2022000118043
Instrument DateJan 22, 2024
Instrument2024000022236
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 9, 2024
Title CompanyNOVA TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,869.50
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
Address4822 CROSS MEADOW PL, CHANTILLY, VA 20151-2357

Mortgage

Document Number0000022237
DateJan 25, 2024
Instrument2024000022237
Lender
NameFEMBI MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2054
Interest
Rate TypeAdjustable Rate
Rate6.5%
Type Change DateFeb 1, 2029
Change FrequencyAnnually
Min Rate At Change6.5%
Max Rate At Change8.5%
Index1-Year T-Bill
Max Rate12.5%

Tax Assessment & Valuation

Source: Lee County assessment roll, as of July 29, 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
2026$688,263 (+5.75%) Land $84,990 Building $603,273$688,263 (+5.75%) Land $84,990 Building $603,273
2025$10,802.00 (+256.97%)$650,824 (+616.86%) Land $91,004 Building $559,820$650,824 (+616.86%) Land $91,004 Building $559,820
2023$3,026.00 (+298.16%)$90,788 (+57.54%) Land $90,788$90,788 (+57.54%) Land $90,788
2022$760.00$57,629 Land $57,629$57,629 Land $57,629

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 (outdoors only) and 4G LTE

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