Lee County property record for 20461 Chapel Trce, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 4,818 sqft · built 2006 |
| Lot Size | 0.425 acres (18,522 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Aug 2004) |
| Tax Bill | $11,549 (2025) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 32-46-25-E4-0700C.0030 |
| Primary APN | 32-46-25-E4-0700C.0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,818 sqft Living Area |
| Gross Area | 6,366 sqft |
| 1st Floor Area | 3,537 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Exterior Material | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 18,522 sqft (0.425 acres) |
| View / Lot | Creek |
| Garage Type | Attached |
| Garage Area | 778 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 440 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 209 sqft |
| Patio Area | 841 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10448786 |
|---|---|
| Street Address | 20461 CHAPEL TRCE |
| City | ESTERO |
| State | FL |
| Zip | 33928-2994 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | WEST BAY CLUB PB 62 PGS 79-111 BLK C LOT 3 |
| Legal Range | 25E |
| Legal Township | 46S |
| Legal Section | 32 |
| Legal Subdivision | WEST BAY CLUB |
| Legal Tract | E4 |
| Legal Block | C |
| Legal Lot Number | 3 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 50319 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 20461 CHAPEL TRCE, ESTERO, FL 33928-2994 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TD BANK NA |
| Jun 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2004 · Amount on Record |
| Deed Sale | Aug 6, 2004 · Amount on Record |
| Deed Document Number | 20046392295 |
| Deed Book / Page | 4393 / 3143 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20461 CHAPEL TRCE, ESTERO, FL 33928-2994 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20461 CHAPEL TRCE, ESTERO, FL 33928-2994 |
| Document Number | 0000053340 |
|---|---|
| Date | Feb 10, 2023 |
| Instrument | 2023000053340 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 28, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20461 CHAPEL TRCE, ESTERO, FL 33928-2994 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000134094 |
|---|---|
| Date | Jun 4, 2018 |
| Instrument | 2018000134094 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH PORTLAND, ME 04106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
Source: Lee County assessment roll, as of July 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Municipality | Estero Village |
| Unified School District | Lee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $923,312 (+2.7%) | $1,926,849 (+20.4%) Land $219,188 Building $1,707,661 | |
| 2025 | $11,549.00 (+6.06%) Homeowner's exemption | $899,038 (+5.99%) | $1,600,350 (+1%) Land $258,432 Building $1,341,918 |
| 2023 | $10,889.00 (+1.15%) Homeowner's exemption | $848,253 (+3%) | $1,454,879 (+28.67%) Land $254,269 Building $1,200,610 |
| 2022 | $10,765.00 Homeowner's exemption | $823,547 | $1,130,679 Land $208,350 Building $922,329 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 266 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 755 units insured incl. 489 condo units |
| Nearby Flood Claims | 124 (2017–2022) |
| Claims Outside the SFHA | 28 of 124 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Summit Broadband Fiber | 2,000 / 2,000 |
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
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