20470 Chapel Trce, Estero, FL 33928 Property Records

Lee County property record for 20470 Chapel Trce, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,482 sqft · built 2006
Lot Size	0.334 acres (14,545 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,900 (Aug 2004)
Tax Bill	$11,418 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`32-46-25-E4-0700C.0520`

Property Details

APN / Parcel Number

Primary APN	`32-46-25-E4-0700C.0520`
Alternative APNs	`253246E40700C0520` `324625070000C0520` `10448869`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,482 sqft Living Area
Gross Area	7,324 sqft
1st Floor Area	3,108 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	14,545 sqft (0.334 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Porch Area	766 sqft
Patio Area	990 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10448869
Street Address	20470 CHAPEL TRCE
City	ESTERO
State	FL
Zip	33928-2990
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 52
Legal Range	25E
Legal Township	46S
Legal Section	32
Legal Subdivision	WEST BAY CLUB
Legal Tract	E4
Legal Block	C
Legal Lot Number	52
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1004
Census Tract	50319

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20470 CHAPEL TRCE, ESTERO, FL 33928-2990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 14, 2021	Deed of Trust, Mortgage · Line of Credit QUICKEN LOANS LLC
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2004 · Amount on Record
Deed Sale	Aug 19, 2004 · Amount on Record
Prior Sale	Jul 5, 2000 · Amount on Record
Deed Document Number	20046403546
Deed Book / Page	4401 / 4460
Last Transfer Date	Apr 18, 2005
Transfer Doc	0046800449
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20470 CHAPEL TRCE, ESTERO, FL 33928-2990
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000114263
Date	Apr 9, 2021
Instrument	2021000114263

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20470 CHAPEL TRCE, ESTERO, FL 33928-2990
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000118464
Date	Apr 14, 2021
Instrument	2021000118464

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Nov 19, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20470 CHAPEL TRCE, ESTERO, FL 33928-2990
Transaction Type	Mortgage
Record Updated	Oct 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000189226
Date	Jun 9, 2021
Instrument	2021000189226

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.87%
Index	Other
Margin	3
Max Rate	7.87%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20470 CHAPEL TRCE, ESTERO, FL 33928-2990
Document Number	0000295592
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20470 CHAPEL TRCE ESTERO FL 339282990, ESTERO, FL 33928-2990

Mortgage

Document Number	0000295592
Date	Dec 26, 2019
Instrument	295592

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20470 CHAPEL TRCE, ESTERO, FL 33928-2990
Document Number	0000084727
Instrument Date	Apr 3, 2018
Transaction Type	Mortgage
Record Updated	Jun 8, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20470 CHAPEL TRCE ESTERO FL 339282990, ESTERO, FL 33928-2990

Mortgage

Document Number	0000084727
Date	Apr 11, 2018
Instrument	84727

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

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		$913,023 (+2.7%)	$1,809,678 (+14.01%) Land $258,360 Building $1,551,318
2025	$11,418.00 (+6.07%) Homeowner's exemption	$889,019 (+5.99%)	$1,587,351 (+16.19%) Land $304,428 Building $1,282,923
2023	$10,765.00 (+1.14%) Homeowner's exemption	$838,800 (+3%)	$1,366,211 (+28.67%) Land $301,062 Building $1,065,149
2022	$10,644.00 Homeowner's exemption	$814,369	$1,061,822 Land $226,566 Building $835,256

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

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 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	Hurricane Ian, Sep 2022 · 71 claims Hurricane Ian, Sep 2022 · 51 claims

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 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.

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 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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