20398 Fair Oak Ln, Estero, FL 33928 Property Records

Lee County property record for 20398 Fair Oak Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · built 2024
Lot Size	0.154 acres (6,713 sqft)
Owner	2 Trust Names on File
Last Sale	$1,130,700 (Aug 2024)
Tax Bill	$12,091 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-46-26-E3-08000.3350`

Property Details

APN / Parcel Number

Primary APN	`30-46-26-E3-08000.3350`
Alternative APNs	`263046E3080003350` `10620316`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Stories	2 Stories

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Lot Area	6,713 sqft (0.154 acres)

Location & Zoning

Account Number	10620316
Street Address	20398 FAIR OAK LN
City	ESTERO
State	FL
Zip	33928-4068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	RIVERCREEK PHASE TWO LOT 335 AS DESC IN INST# 2023000122423
Legal Subdivision	RIVERCREEKPHASE
Legal Block	1
Legal Lot Number	335
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	4
Census Block	4000
Census Tract	50311

Owner

20398 Fair Oak Ln is owner-occupied and held in a trust since October 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	20398 FAIR OAK LN, ESTERO, FL 33928-4068
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Nov 1, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 15, 2024	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GL FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2024 · Amount on File
Deed Sale	Aug 15, 2024 · Amount on File
Deed Document Number	2024229585
Last Transfer Date	Oct 28, 2025
Transfer Doc	0000292454
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20398 FAIR OAK LN, ESTERO, FL 33928-4068
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20398 FAIR OAK LN, ESTERO, FL 33928-4068

Mortgage

Document Number	0000050297
Date	Feb 26, 2026
Instrument	2026000050297

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Nov 1, 2025
Property Address	20398 FAIR OAK LN, ESTERO, FL 33928-4068
Document Number	0000292454
Map Reference	DOC 2023000122423
Instrument Date	Oct 28, 2025
Instrument	2025000292454
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20398 FAIR OAK LN, ESTERO, FL 33928-4068

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20398 FAIR OAK LN, ESTERO, FL 33928-4068

August 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 15, 2024
Property Address	20398 FAIR OAK LN, ESTERO, FL 33928-4068
Document Number	0000229585
Map Reference	DOC 2023000122423
Instrument Date	Aug 15, 2024
Instrument	2024000229585
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 26, 2025
Title Company	NOVA TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,914.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 SAWGRASS CORPORATE PKWY STE 400, 400, SUNRISE, FL 33323-2890

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20398 FAIR OAK LN, ESTERO, FL 33928-4068

Mortgage

Document Number	0000229586
Date	Aug 15, 2024
Instrument	2024000229586

Lender

Name	GL FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 20398 Fair Oak Ln was $12,091, up 284.6% from the year before.

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		$754,429 (-4.51%) Land $63,825 Building $690,604	$754,429 (-4.51%) Land $63,825 Building $690,604
2025	$12,091.00 (+284.57%) Homeowner's exemption	$790,036 (+1,178.38%) Land $67,023 Building $723,013	$790,036 (+1,178.38%) Land $67,023 Building $723,013
2024	$3,144.00	$61,800 Land $61,800	$61,800 Land $61,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20398 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 60 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	60 in force
Nearby Flood Claims	2 (2017–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 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 20398 Fair Oak Ln is high, ranking above 82% 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 Risk	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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

Provider	Max 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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