20431 Black Tree Ln, Estero, FL 33928 Property Records

Lee County property record for 20431 Black Tree Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,439 sqft · built 2014
Lot Size	0.236 acres (10,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,000 (Mar 2018)
Tax Bill	$7,356 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E4-24000.4270`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E4-24000.4270`
Alternative APNs	`262946E4240004270` `10561726`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,439 sqft Living Area
Gross Area	3,205 sqft
1st Floor Area	2,271 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	10,280 sqft (0.236 acres)
Garage Type	Attached
Garage Area	590 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Patio Area	168 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	10561726
Street Address	20431 BLACK TREE LN
City	ESTERO
State	FL
Zip	33928-6459
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	PRESERVE AT CORKSCREW UNIT FOUR AS DESC IN INST# 2013000099057 LOT 427
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	PRESERVE AT CORKSCREW
Legal Tract	E4
Legal Block	4
Legal Lot Number	427
Legal Unit	4
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	4
Census Block	4002
Census Tract	50311

Owner

Source: Lee County records, as of April 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20431 BLACK TREE LN, ESTERO, FL 33928-6459
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Mar 8, 2018	Warranty Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2018 · Amount on Record
Deed Sale	Mar 8, 2018 · Amount on Record
Prior Sale	May 19, 2014 · Amount on Record
Deed Document Number	201856741
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20431 BLACK TREE LN, ESTERO, FL 33928-6459
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20431 BLACK TREE LN, ESTERO, FL 33928-6459

Mortgage

Document Number	0000163715
Date	May 18, 2021
Instrument	2021000163715

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 8, 2018
Property Address	20431 BLACK TREE LN, ESTERO, FL 33928-6459
Document Number	0000056741
Map Reference	DOC20130000 99057
Instrument Date	Feb 26, 2018
Instrument	2018000056741
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,653.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10181 BELLAVISTA CIR, 10181, MIROMAR LAKES, FL 33913-8974

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20431 BLACK TREE LN, ESTERO, FL 33928-6459

Mortgage

Document Number	0000056742
Date	Mar 8, 2018
Instrument	2018000056742

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

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	$7,356.00 (+9.45%) Homeowner's exemption	$340,029 (+5.99%)	$509,545 (-6.49%) Land $105,783 Building $403,762
2023	$6,721.00 (+34.42%) Homeowner's exemption	$320,821 (+3%)	$544,910 (+25.38%) Land $114,151 Building $430,759
2022	$5,000.00 Homeowner's exemption	$311,477	$434,604 Land $108,500 Building $326,104

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

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 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

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

Wildfire Risk	Moderate above 67% of the US · above 47% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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