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20385 Fair Oak Ln, Estero, FL 33928 Property Records

Lee County property record for 20385 Fair Oak Ln, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Details5 bd · 7 ba · built 2024
Lot Size0.144 acres (6,290 sqft)
Owner2 Individual Names on File
Last Sale$987,300 (Jul 2024)
Tax Bill$11,999 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jul 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30-46-26-E3-08000.2680

Property Details

APN / Parcel Number

Primary APN30-46-26-E3-08000.2680
Alternative APNs
  • 263046E3080002680
  • 10620290

Interior

Bedrooms5 Beds
Full Baths7 Baths
Stories2 Stories

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Lot Area6,290 sqft (0.144 acres)

Location & Zoning

Account Number10620290
Street Address20385 FAIR OAK LN
CityESTERO
StateFL
Zip33928-4069
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD
Legal DescriptionRIVERCREEK PHASE TWO LOT 268 AS DESC IN INST# 2023000122423
Legal SubdivisionRIVERCREEKPHASE
Legal Block1
Legal Lot Number268
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group4
Census Block4000
Census Tract50311

Owner

20385 Fair Oak Ln is owned and occupied by two individuals who bought it in July 2024.

Source: Lee County records, as of October 15, 2026

Owner of Record2 Individual Names on File
Mailing Address20385 FAIR OAK LN, ESTERO, FL 33928-4069
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 9, 2026Deed of Trust, Mortgage · Conventional Mortgage
NBKC BANK
Jul 30, 2024Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
GL FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 30, 2024 · Amount on File
Deed SaleJul 30, 2024 · Amount on File
Deed Document Number2024213076
Record UpdatedOct 29, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Recording DateApr 9, 2026
Property Address20385 FAIR OAK LN, ESTERO, FL 33928-4069
Document Number0000090692
Instrument DateMar 31, 2026
Instrument202690692
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address20385 FAIR OAK LN, ESTERO, FL 33928-4069

Mortgage

Document Number0000090692,
DateApr 9, 2026
Instrument202690692
Lender
NameNBKC BANK
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2056
Interest
Rate TypeFixed Rate
Rate6%
Initial TypeFixed Rate
Max Rate-1%

July 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionLEE FL
Recording DateJul 30, 2024
Property Address20385 FAIR OAK LN, ESTERO, FL 33928-4069
Document Number0000213076
Map ReferenceDOC 2023000122423
Instrument DateJul 26, 2024
Instrument2024000213076
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 26, 2025
Title CompanyNOVA TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,911.10
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
Address20385 FAIR OAK LN, ESTERO, FL 33928-4069

Mortgage

Document Number0000213077
DateJul 30, 2024
Instrument2024000213077
Lender
NameGL FINANCIAL SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 20385 Fair Oak Ln was $11,999.

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$831,637 (+6.21%) Land $79,417 Building $752,220$831,637 (+6.21%) Land $79,417 Building $752,220
2025$11,999.00 Homeowner's exemption$782,981 Land $79,135 Building $703,846$782,981 Land $79,135 Building $703,846

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

Flood

FEMA maps place 20385 Fair Oak Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 20385 Fair Oak Ln is high, ranking above 75% of the US, with a 0.3% annual chance of 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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