20424 Ardore Ln, Estero, FL 33928 Property Records

Lee County property record for 20424 Ardore Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,665 sqft · built 2005
Lot Size	0.175 acres (7,623 sqft)
Owner	Individual Name on Record
Last Sale	$534,500 (Dec 2025)
Tax Bill	$4,376 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E3-0100D.0350`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E3-0100D.0350`
Alternative APNs	`262946E30100D0350` `294626010000D0350` `10488180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,665 sqft Living Area
Gross Area	3,247 sqft
1st Floor Area	1,669 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Hip
Roof Material	Concrete
Lot Area	7,623 sqft (0.175 acres)
Garage Type	Attached
Garage Area	373 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	392 sqft
Porch	Florida Room
Porch Area	160 sqft
Patio Area	604 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	10488180
Street Address	20424 ARDORE LN
City	ESTERO
State	FL
Zip	33928-6322
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 35
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Tract	E3
Legal Block	D
Legal Lot Number	35
Legal Unit	1
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	5
Census Block	5000
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	Individual Name on Record
Mailing Address	20424 ARDORE LN, ESTERO, FL 33928-6322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 10, 2020	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 24, 2025 · Amount on Record
Deed Sale	Dec 24, 2025 · Amount on Record
Prior Sale	Aug 10, 2020 · Amount on Record
Deed Document Number	2025339989
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Dec 24, 2025
Property Address	20424 ARDORE LN, ESTERO, FL 33928-6322
Document Number	0000339989
Map Reference	MB 77 PG 84-99
Instrument Date	Dec 23, 2025
Instrument	2025000339989
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	MARKETPLACE TITLE LLC, MARKETPLACE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,741.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20424 ARDORE LN, ESTERO, FL 33928-6322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20424 ARDORE LN, ESTERO, FL 33928-6322

Mortgage

Document Number	0000339990
Date	Dec 24, 2025
Instrument	2025000339990

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 10, 2020
Property Address	20424 ARDORE LN, ESTERO, FL 33928-6322
Document Number	0000184329
Map Reference	MB 77 PG 84-99
Instrument Date	Aug 6, 2020
Instrument	2020000184329
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7430 LAKE BREEZE DR APT 103, 7430, FORT MYERS, FL 33907-8058

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20424 ARDORE LN, ESTERO, FL 33928-6322

Mortgage

Document Number	0000184330
Date	Aug 10, 2020
Instrument	2020000184330

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

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

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	$4,376.00 (+5.65%) Homeowner's exemption	$268,742 (+5.99%)	$395,833 (+0.56%) Land $92,863 Building $302,970
2023	$4,142.00 (-0.98%) Homeowner's exemption	$253,561 (+3%)	$393,643 (+24.42%) Land $90,240 Building $303,403
2022	$4,183.00 Homeowner's exemption	$246,176	$316,388 Land $83,095 Building $233,293

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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	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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures