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20432 Ardore Ln, Estero, FL 33928 Property Records

Lee County property record for 20432 Ardore Ln, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,895 sqft · built 2006
Lot Size0.172 acres (7,492 sqft)
OwnerCompany Name on Record
Last Sale$685,000 (May 2025)
Tax Bill$5,613 (2025)
Deeds & MortgagesJan 2022 Mortgage
Jul 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN29-46-26-E3-0400D.0360

Property Details

APN / Parcel Number

Primary APN29-46-26-E3-0400D.0360
Alternative APNs
  • 262946E30400D0360
  • 294626040000D0360
  • 10504532

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,895 sqft Living Area
Gross Area4,552 sqft
1st Floor Area1,586 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleColonial
Exterior MaterialConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialConcrete
Lot Area7,492 sqft (0.172 acres)
Garage TypeAttached
Garage Area477 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area1 sqft
PorchFlorida Room
Patio Area578 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10504532
Street Address20432 ARDORE LN
CityESTERO
StateFL
Zip33928-6322
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD
Legal DescriptionBELLA TERRA UNIT FOUR DESC IN PB 82 PGS 38-42 BLK D LOT 36
Legal Range26E
Legal Township46S
Legal Section29
Legal SubdivisionBELLA TERRA
Legal TractE3
Legal BlockD
Legal Lot Number36
Legal Unit4
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group5
Census Block5000
Census Tract50311

Owner

Source: Lee County records, as of July 29, 2026

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

Owner of RecordCompany Name on Record
Mailing Address27244 BARBAROSA ST, BONITA SPRINGS, FL 34135-4346
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Jan 31, 2022Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 16, 2020Warranty Deed, Transfer · Conventional Mortgage
GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 6, 2025 · Amount on Record
Deed SaleMay 6, 2025 · Amount on Record
Prior SaleMar 25, 2025 · Amount on Record
Deed Document Number2025123142
Prior Transfer DateJul 27, 2010
Prior Transfer Doc0000185653
Record UpdatedOct 29, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address20432 ARDORE LN, ESTERO, FL 33928-6322
Transaction TypeMortgage
Record UpdatedJun 24, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address20432 ARDORE LN, ESTERO, FL 33928-6322

Mortgage

Document Number0000034875
DateJan 31, 2022
Instrument2022000034875
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueFeb 1, 2042

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateJul 16, 2020
Property Address20432 ARDORE LN, ESTERO, FL 33928-6322
Document Number0000161587
Map ReferenceMB 82 PG 38-42
Instrument DateJul 13, 2020
Instrument2020000161587
Transaction TypeTransfer
Record UpdatedFeb 10, 2022
Title CompanyFIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,835.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address20089 LARINO LOOP, 20089, ESTERO, FL 33928-6363

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address20432 ARDORE LN, ESTERO, FL 33928-6322

Mortgage

Document Number0000161588
DateJul 16, 2020
Instrument2020000161588
Lender
NameGOLD STAR MORTGAGE FINANCIAL GROUP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

Tax Assessment & Valuation

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$498,551 (+37.07%) Land $82,244 Building $416,307$498,551 (-4.75%) Land $82,244 Building $416,307
2025$5,613.00 (+5.61%) Homeowner's exemption$363,718 (+5.99%)$523,426 (+1.87%) Land $92,863 Building $430,563
2023$5,315.00 (-0.3%) Homeowner's exemption$343,172 (+3%)$513,821 (+19.98%) Land $88,913 Building $424,908
2022$5,331.00 Homeowner's exemption$333,177$428,256 Land $83,095 Building $345,161

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 88 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies88 in force
Nearby Flood Claims1 (2017)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemLEE COUNTY UTILITIES
serves 282,556 people · EPA ID FL5364048
Water SourceSurface water
Last State InspectionApr 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

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