20495 Black Tree Ln, Estero, FL 33928 Property Records

Lee County property record for 20495 Black Tree Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,433 sqft · built 2014
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Apr 2020)
Tax Bill	$8,859 (2025)
Deeds & Mortgages	Jun 2026 Sale Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E4-26000.4090`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E4-26000.4090`
Alternative APNs	`262946E4260004090` `10562502`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,433 sqft Living Area
Gross Area	4,352 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	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	320 sqft
Patio Area	664 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	10562502
Street Address	20495 BLACK TREE LN
City	ESTERO
State	FL
Zip	33928-6459
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 409
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	PRESERVE AT CORKSCREW
Legal Tract	E4
Legal Block	4
Legal Lot Number	409
Legal Unit	6
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	4
Census Block	4002
Census Tract	50311

Owner

Source: Lee County records · APN 29-46-26-E4-26000.4090

Assessment roll updated April 13, 2026 · Last verified July 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 File
Mailing Address	20495 BLACK TREE LN, ESTERO, FL 33928-6459
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 22, 2020	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MTG FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2020 · Amount on Record
Deed Sale	Apr 22, 2020 · Amount on Record
Prior Sale	Jul 28, 2014 · Amount on Record
Deed Document Number	202095780
Last Transfer Date	Jun 18, 2026
Transfer Doc	0000170771
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jun 26, 2026
Property Address	20495 BLACK TREE LN, ESTERO, FL 33928-6459
Document Number	0000170771
Instrument Date	Jun 18, 2026
Instrument	2026170771
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	20495 BLACK TREE LN, ESTERO, FL 33928-6459

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 22, 2020
Property Address	20495 BLACK TREE LN, ESTERO, FL 33928-6459
Document Number	0000095780
Instrument Date	Apr 17, 2020
Instrument	95780
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 FOUNDERS GRN PITTSFORD NY 145342165, PITTSFORD, NY 14534-2165

Mortgage

Document Number	95781
Date	Apr 22, 2020
Instrument	95781

Lender

Name	GOLD STAR MTG FIN'L
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 21, 2035

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,859.00 (+8.74%) Homeowner's exemption	$455,508 (+5.99%)	$655,628 (-2.58%) Land $116,361 Building $539,267
2023	$8,147.00 (+27.4%) Homeowner's exemption	$429,778 (+3%)	$672,961 (+25.38%) Land $135,248 Building $537,713
2022	$6,395.00 Homeowner's exemption	$417,260	$536,733 Land $110,600 Building $426,133

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 23, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

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 as of December 31, 2025 · Last verified October 2026

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

May also be available: Lumen Technologies.

Based on FCC filings for 207 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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