20438 Ardore Ln, Estero, FL 33928 Property Records

Lee County property record for 20438 Ardore Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,483 sqft · built 2006
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jul 2026)
Tax Bill	$5,461 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E3-0400D.0370`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E3-0400D.0370`
Alternative APNs	`262946E30400D0370` `294626040000D0370` `10504534`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,483 sqft Living Area
Gross Area	3,189 sqft
1st Floor Area	1,506 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	654 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	44 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	10504534
Street Address	20438 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 FOUR DESC IN PB 82 PGS 38-42 BLK D LOT 37
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Tract	E3
Legal Block	D
Legal Lot Number	37
Legal Unit	4
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 July 13, 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	20438 ARDORE LN, ESTERO, FL 33928-6322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 28, 2022	Warranty Deed, Transfer · VA Mortgage POINT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2026 · Amount on Record
Deed Sale	Jul 2, 2026 · Amount on Record
Prior Sale	Jun 28, 2022 · Amount on Record
Deed Document Number	2026177193
Prior Transfer Date	May 2, 2008
Prior Transfer Doc	0000274346
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jul 2, 2026
Property Address	20438 ARDORE LN, ESTERO, FL 33928-6322
Document Number	0000177193
Instrument Date	Jun 26, 2026
Instrument	2026177193
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	HEIGHTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20438 ARDORE LN, ESTERO, FL 33928-6322

Mortgage

Document Number	0000177194,
Date	Jul 2, 2026
Instrument	2026177194

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jun 28, 2022
Property Address	20438 ARDORE LN, ESTERO, FL 33928-6322
Document Number	0000214466
Map Reference	MB 82 PG 38
Instrument Date	Jun 17, 2022
Instrument	2022000214466
Transaction Type	Transfer
Record Updated	Jul 8, 2022
Title Company	HEIGHTS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21361 LANCASTER RUN UNIT 214, 21361, ESTERO, FL 33928-3272

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20438 ARDORE LN, ESTERO, FL 33928-6322

Mortgage

Document Number	0000214467
Date	Jun 28, 2022
Instrument	2022000214467

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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	$5,461.00 (-13.51%) Homeowner's exemption	$352,076 (-16.08%) Land $92,863 Building $259,213	$352,076 (-16.08%) Land $92,863 Building $259,213
2023	$6,314.00 (+49.34%) Homeowner's exemption	$419,520 (+68.06%) Land $88,890 Building $330,630	$419,520 (+24.42%) Land $88,890 Building $330,630
2022	$4,228.00 Homeowner's exemption	$249,619	$337,190 Land $83,095 Building $254,095

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

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