20490 Black Tree Ln, Estero, FL 33928 Property Records

Lee County property record for 20490 Black Tree Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,633 sqft · built 2014
Lot Size	0.237 acres (10,324 sqft)
Owner	2 Company Names on Record
Last Sale	$445,000 (Apr 2020)
Tax Bill	$8,458 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E4-26000.2890`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E4-26000.2890`
Alternative APNs	`262946E4260002890` `10562384`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,633 sqft Living Area
Gross Area	3,449 sqft
1st Floor Area	2,377 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	10,324 sqft (0.237 acres)
Garage Type	Attached
Garage Area	719 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool Type
Pool Area	312 sqft
Porch	Florida Room
Porch Area	353 sqft
Patio Area	696 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	10562384
Street Address	20490 BLACK TREE LN
City	ESTERO
State	FL
Zip	33928-6458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	PRESERVE AT CORKSCREW UNIT SIX DESC IN INST# 2013000172170 LOT 289
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	PRESERVE AT CORKSCREW
Legal Tract	E4
Legal Block	4
Legal Lot Number	289
Legal Unit	6
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	4
Census Block	4000
Census Tract	50311

Owner

Source: Lee County records, as of April 13, 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	20490 BLACK TREE LN, ESTERO, FL 33928-6458
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Deed of Trust, Mortgage · Conventional with PMI NOVUS HM MTG
Apr 15, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2020 · Amount on Record
Deed Sale	Apr 15, 2020 · Amount on Record
Prior Sale	Dec 9, 2014 · Amount on Record
Deed Document Number	202090699
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20490 BLACK TREE LN, ESTERO, FL 33928-6458
Document Number	0000325878
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20490 BIACK TREE LN ESTERO FL 33928, ESTERO, FL 33928

Mortgage

Document Number	0000325878
Date	Dec 28, 2020
Instrument	325878

Lender

Name	NOVUS HM MTG
Address	WAUKESHA, WI 53186

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 15, 2020
Property Address	20490 BLACK TREE LN, ESTERO, FL 33928-6458
Document Number	0000090699
Instrument Date	Apr 8, 2020
Instrument	90699
Transaction Type	Transfer
Record Updated	May 11, 2020
Title Company	SOUTH FL TRUST AND TITLE COMPANY, SOUTH FL TR & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20490 BLACK TREE LN ESTERO FL 339286458, ESTERO, FL 33928-6458

Mortgage

Document Number	90700
Date	Apr 15, 2020
Instrument	90700

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2050

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	$8,458.00 (+25.04%) Homeowner's exemption Widower's exemption	$424,669 (+29.04%)	$652,233 (+14.84%) Land $105,783 Building $546,450
2023	$6,764.00 (+32.65%) Homeowner's exemption Widower's exemption	$329,090 (+3%)	$567,963 (+25.38%) Land $114,551 Building $453,412
2022	$5,099.00 Homeowner's exemption Widower's exemption	$319,505	$452,981 Land $110,600 Building $342,381

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 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	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	2,500 / 2,500
Xfinity Cable	1,200 / 35

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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