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20446 Fair Oak Ln, Estero, FL 33928 Property Records

Lee County property record for 20446 Fair Oak Ln, Estero, FL 33928 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Lot Size0.134 acres (5,838 sqft)
Owner2 Individual Names on File
Last Sale$809,900 (Oct 2024)
Tax Bill$11,112 (2025)
Deeds & MortgagesOct 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30-46-26-E3-08000.3450

Property Details

APN / Parcel Number

Primary APN30-46-26-E3-08000.3450
Alternative APNs
  • 263046E3080003450
  • 10620326

Exterior

Lot Area5,838 sqft (0.134 acres)

Location & Zoning

Account Number10620326
Street Address20446 FAIR OAK LN
CityESTERO
StateFL
Zip33928-4070
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIVERCREEK PHASE TWO LOT 345 AS DESC IN INST# 2023000122423
Legal SubdivisionRIVERCREEKPHASE
Legal Block1
Legal Lot Number345
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group4
Census Block4005
Census Tract50311

Owner

Source: Lee County records · APN 30-46-26-E3-08000.3450

Assessment roll updated July 29, 2026 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address20446 FAIR OAK LN, ESTERO, FL 33928-4070
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 31, 2024 · Amount on Record
Deed SaleOct 31, 2024 · Amount on Record
Deed Document Number2024296264
Record UpdatedSep 20, 2026

October 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionLEE FL
Recording DateOct 31, 2024
Property Address20446 FAIR OAK LN, ESTERO, FL 33928-4070
Document Number0000296264
Map ReferenceDOC 2023000122423
Instrument DateOct 28, 2024
Instrument2024000296264
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 26, 2025
Title CompanyNOVA TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,669.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1600 SAWGRASS CORPORATE PKWY STE 400, 400, SUNRISE, FL 33323-2890

Transferred To (Grantee/Buyer)

NameVerified Name
Address20446 FAIR OAK LN, ESTERO, FL 33928-4070

Mortgage

Document Number0000296265
DateOct 31, 2024
Instrument2024000296265
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2054

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated July 29, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
MunicipalityEstero Village
Unified School DistrictLee County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$620,368 (-8.05%) Land $71,868 Building $548,500$620,368 (-8.05%) Land $71,868 Building $548,500
2025$11,112.00$674,692 Land $79,135 Building $595,557$674,692 Land $79,135 Building $595,557

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120710503114, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 60 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies60 in force
Nearby Flood Claims2 (2017–2022)
Claims Outside the SFHA2 of 2
Most Recent ClaimSep 2022, other causes, Hurricane Ian

Wildfire

Wildfire RiskHigh
above 77% of the US · above 65% of Florida
Wildfire LikelihoodAbout 1 in 348 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 90 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250

May also be available at this address: Xfinity, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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