20433 Black Tree Ln, Estero, FL 33928 Property Records

Lee County property record for 20433 Black Tree Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,761 sqft · built 2013
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Company Names on Record
Last Sale	$669,000 (Jun 2024)
Tax Bill	$10,487 (2025)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E4-24000.4260`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E4-24000.4260`
Alternative APNs	`262946E4240004260` `10561725`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,761 sqft Living Area
Gross Area	3,680 sqft
1st Floor Area	2,377 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Attached
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	320 sqft
Patio Area	384 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	10561725
Street Address	20433 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 426
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	PRESERVE AT CORKSCREW
Legal Tract	E4
Legal Block	4
Legal Lot Number	426
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 July 29, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	20433 BLACK TREE LN, ESTERO, FL 33928-6459
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Reverse Mortgage PREMIUM SECURITY INC
Mar 29, 2017	Deed of Trust, Mortgage · FHA Mortgage ONE REVERSE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2024 · Amount on Record
Deed Sale	Jun 5, 2024 · Amount on Record
Prior Sale	Nov 7, 2013 · Amount on Record
Deed Document Number	2024160364
Prior Transfer Date	May 29, 2024
Prior Transfer Doc	0000160363
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20433 BLACK TREE LN, ESTERO, FL 33928-6459
Transaction Type	Mortgage
Record Updated	Feb 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20433 BLACK TREE LN, ESTERO, FL 33928-6459

Mortgage

Document Number	0000036147
Date	Feb 1, 2022
Instrument	2022000036147

Lender

Name	PREMIUM SECURITY INC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	817 Months
Due	Mar 30, 2090

Interest

Rate Type	Adjustable Rate
Rate	2.23%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.23%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20433 BLACK TREE LN, ESTERO, FL 33928-6459
Document Number	0000074139
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	May 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20433 BLACK TREE LN ESTERO FL 339286459, ESTERO, FL 33928-6459

Mortgage

Document Number	0000074139
Date	Apr 6, 2017
Instrument	74139

Lender

Name	ONE REVERSE MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Apr 5, 2090

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$456,400 (-15.52%) Land $96,900 Building $359,500	$456,400 (-15.52%) Land $96,900 Building $359,500
2025	$10,487.00 (+2.75%)	$540,244 (+4.27%) Land $105,783 Building $434,461	$540,244 (+4.27%) Land $105,783 Building $434,461
2024	$10,206.00 (+52.28%)	$518,113 (+59.73%) Land $111,089 Building $407,024	$518,113 (-6.14%) Land $111,089 Building $407,024
2023	$6,702.00 (+33.03%) Homeowner's exemption Widower's exemption	$324,366 (+3%)	$552,035 (+25.38%) Land $109,006 Building $443,029
2022	$5,038.00 Homeowner's exemption Widower's exemption	$314,918	$440,282 Land $108,500 Building $331,782

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 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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