20352 Ardore Ln, Estero, FL 33928 Property Records

Lee County property record for 20352 Ardore Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,758 sqft · built 2005
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Individual Names on File
Last Sale	$421,500 (Jun 2005)
Tax Bill	$4,313 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E2-0100D.0240`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E2-0100D.0240`
Alternative APNs	`262946E20100D0240` `294626010000D0240` `10488169`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,758 sqft Living Area
Gross Area	4,540 sqft
1st Floor Area	1,782 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	8,625 sqft (0.198 acres)
Garage Type	Attached
Garage Area	433 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Patio Area	488 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	10488169
Street Address	20352 ARDORE LN
City	ESTERO
State	FL
Zip	33928-6320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	BELLA TERRA UNIT ONE PB 77 PG 84 BLK D LOT 24
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Tract	E2
Legal Block	D
Legal Lot Number	24
Legal Unit	1
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	5
Census Block	5000
Census Tract	50311

Owner

20352 Ardore Ln is owned and occupied by two individuals who acquired it in February 2024.

Source: Lee County records, as of July 29, 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 Individual Names on File
Mailing Address	20352 ARDORE LN, ESTERO, FL 33928-6320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Feb 13, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 11, 2024	Correction Deed ACCOMODATION, ACCOMMODATION
Nov 6, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2005 · Amount on File
Deed Sale	Jun 23, 2005 · Amount on File
Deed Document Number	20056859417
Deed Book / Page	4767 / 3468
Last Transfer Date	Feb 13, 2024
Transfer Doc	0000040107
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20352 ARDORE LN, ESTERO, FL 33928-6320
Transaction Type	Mortgage
Record Updated	Apr 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20352 ARDORE LN, ESTERO, FL 33928-6320

Mortgage

Document Number	0000094160
Date	Apr 4, 2024
Instrument	2024000094160

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Feb 15, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Feb 13, 2024
Property Address	20352 ARDORE LN, ESTERO, FL 33928-6320
Document Number	0000040107
Map Reference	MB 77 PG 84
Instrument Date	Feb 13, 2024
Instrument	2024000040107
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20352 ARDORE LN, ESTERO, FL 33928-6320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20352 ARDORE LN, ESTERO, FL 33928-6320

April 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	LEE FL
Recording Date	Apr 11, 2024
Property Address	20352 ARDORE LN, ESTERO, FL 33928-6320
Document Number	0000102542
Map Reference	MB 77 PG 84
Instrument Date	Feb 13, 2024
Instrument	2024000102542
Record Updated	Apr 25, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20352 ARDORE LN, ESTERO, FL 33928-6320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20352 ARDORE LN, ESTERO, FL 33928-6320

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Nov 6, 2023
Property Address	20352 ARDORE LN, ESTERO, FL 33928-6320
Document Number	0000356709
Map Reference	MB 77 PG 84
Instrument Date	Oct 31, 2023
Instrument	2023000356709
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20352 ARDORE LN, ESTERO, FL 33928-6320

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	20352 ARDORE LN, ESTERO, FL 33928-6320

Tax Assessment & Valuation

The 2025 property tax bill for 20352 Ardore Ln was $4,313 with a homeowner's exemption.

Source: Lee County assessment roll, as of July 29, 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
2026		$271,024 (+2.7%)	$472,572 (-9.35%) Land $87,331 Building $385,241
2025	$4,313.00 Homeowner's exemption	$263,899	$521,308 Land $92,863 Building $428,445
2023	$4,082.00 (-1.02%) Homeowner's exemption	$248,992 (+3%)	$553,922 (+24.42%) Land $102,223 Building $451,699
2022	$4,124.00 Homeowner's exemption	$241,740	$445,196 Land $83,095 Building $362,101

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20352 Ardore Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File 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

Wildfire risk around 20352 Ardore Ln is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% 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

Nearby Properties on Ardore Ln

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