20498 Black Tree Ln, Estero, FL 33928 Property Records

Lee County property record for 20498 Black Tree Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,433 sqft · built 2015
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Company Names on Record
Last Sale	$789,000 (Mar 2025)
Tax Bill	$12,143 (2025)
Deeds & Mortgages	Apr 2022 Sale Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E4-26000.2910`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E4-26000.2910`
Alternative APNs	`262946E4260002910` `10562386`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,433 sqft Living Area
Gross Area	4,505 sqft
1st Floor Area	2,377 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	719 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Florida Room
Porch Area	353 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	10562386
Street Address	20498 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 291
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	PRESERVE AT CORKSCREW
Legal Tract	E4
Legal Block	4
Legal Lot Number	291
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	20498 BLACK TREE LN, ESTERO, FL 33928-6458
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Warranty Deed, Transfer NAPLES TITLE INC
Jan 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Feb 2, 2021	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS
Apr 23, 2018	Warranty Deed, Transfer HEIGHTS TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2025 · Amount on Record
Deed Sale	Mar 6, 2025 · Amount on Record
Prior Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	202559914
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 1, 2022
Property Address	20498 BLACK TREE LN, ESTERO, FL 33928-6458
Document Number	0000108554
Map Reference	DOC 2013000172170
Instrument Date	Mar 21, 2022
Instrument	2022000108554
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	NAPLES TITLE INC

Transaction

Amount	Amount Recorded
Tax	$5,866.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20498 BLACK TREE LN, 20498, ESTERO, FL 33928-6458

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20498 BLACK TREE LN, ESTERO, FL 33928-6458

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20498 BLACK TREE LN, ESTERO, FL 33928-6458
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20498 BLACK TREE LN, ESTERO, FL 33928-6458

Mortgage

Document Number	0000022866
Date	Jan 21, 2022
Instrument	2022000022866

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.44%
Type Change Date	Feb 1, 2025
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.4%
Index	Prime Rate
Max Rate	8.44%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 2, 2021
Property Address	20498 BLACK TREE LN, ESTERO, FL 33928-6458
Document Number	0000033854
Map Reference	DOC 2013000172170
Instrument Date	Feb 1, 2021
Instrument	2021000033854
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Tax	$3,815.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20498 BLACK TREE LN, 20498, ESTERO, FL 33928-6458

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20513 BLACK TREE LN, ESTERO, FL 33928-6462

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 23, 2018
Property Address	20498 BLACK TREE LN, ESTERO, FL 33928-6458
Document Number	0000095448
Instrument Date	Apr 20, 2018
Instrument	95448
Transaction Type	Transfer
Record Updated	Jun 12, 2018
Title Company	HEIGHTS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$3,255.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20498 BLACK TREE LN ESTERO FL 339286458, ESTERO, FL 33928-6458

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	$12,143.00 (+9.71%)	$667,493 (+2.21%) Land $105,783 Building $561,710	$667,493 (+2.21%) Land $105,783 Building $561,710
2023	$11,068.00 (+35.59%) Homeowner's exemption	$653,044 (+25.38%) Land $106,704 Building $546,340	$653,044 (+25.38%) Land $106,704 Building $546,340
2022	$8,163.00	$520,847 Land $110,600 Building $410,247	$520,847 Land $110,600 Building $410,247

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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