Lee County property record for 20509 Ardore Ln, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,080 sqft · built 2006 |
| Lot Size | 0.223 acres (9,714 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Oct 2020) |
| Tax Bill | $3,676 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-46-26-E3-0400E.0370 |
| Primary APN | 29-46-26-E3-0400E.0370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,080 sqft Living Area |
| Gross Area | 3,579 sqft |
| 1st Floor Area | 1,776 sqft |
| Upper Floors Area | 1,015 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Colonial |
| Exterior Material | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 9,714 sqft (0.223 acres) |
| View / Lot | Lake |
| Garage Type | Attached |
| Garage Area | 439 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 349 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10504562 |
|---|---|
| Street Address | 20509 ARDORE LN |
| City | ESTERO |
| State | FL |
| Zip | 33928-6381 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | BELLA TERRA UNIT FOUR DESC IN PB 82 PGS 38-42 BLK E LOT 37 |
| Legal Range | 26E |
| Legal Township | 46S |
| Legal Section | 29 |
| Legal Subdivision | BELLA TERRA |
| Legal Tract | E3 |
| Legal Block | E |
| Legal Lot Number | 37 |
| Legal Unit | 4 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 5 |
| Census Block | 5004 |
| Census Tract | 50311 |
20509 Ardore Ln is owned and occupied by two individuals who bought it in October 2020.
Source: Lee County records, as of July 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20509 ARDORE LN, ESTERO, FL 33928-6381 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2020 · Amount on File |
| Deed Sale | Oct 22, 2020 · Amount on File |
| Prior Sale | Jul 27, 2015 · Amount on File |
| Deed Document Number | 2020254361 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Oct 22, 2020 |
| Property Address | 20509 ARDORE LN, ESTERO, FL 33928-6381 |
| Document Number | 0000254361 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 254361 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20509 ARDORE LN ESTERO FL 339286381, ESTERO, FL 33928-6381 |
| Document Number | 254362 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 254362 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 21, 2050 |
The 2025 property tax bill for 20509 Ardore Ln was $3,676 with a homeowner's exemption.
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 | $220,778 (+2.7%) | $458,910 (+8.81%) Land $96,819 Building $362,091 | |
| 2025 | $3,676.00 Homeowner's exemption | $214,974 | $421,760 Land $105,524 Building $316,236 |
| 2023 | $3,478.00 (-1.56%) Homeowner's exemption | $202,830 (+3%) | $478,976 (+19.28%) Land $128,701 Building $350,275 |
| 2022 | $3,533.00 Homeowner's exemption | $196,922 | $401,542 Land $97,500 Building $304,042 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20509 Ardore Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 File median of 88 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 88 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 risk around 20509 Ardore Ln is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 242 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hotwire Communications Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CenturyLink.
5G (outdoors only) and 4G LTE
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