Lee County property record for 20520 Pine Tree Ln, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,738 sqft · built 1997 |
| Lot Size | 0.376 acres (16,379 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $550,000 (Sep 2021) |
| Tax Bill | $4,345 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Sep 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 29-46-25-E4-05000.0100 |
| Primary APN | 29-46-25-E4-05000.0100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,738 sqft Living Area |
| Gross Area | 2,457 sqft |
| 1st Floor Area | 1,738 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 16,379 sqft (0.376 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 52 sqft |
| Shed | 1 Shed |
| Shed Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10274431 |
|---|---|
| Street Address | 20520 PINE TREE LN |
| City | ESTERO |
| State | FL |
| Zip | 33928-2530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-1 |
| Legal Description | ESTERO RIVER HEIGHTS UNIT 3 PB 25 PG 133 LOT 10 |
| Legal Range | 25E |
| Legal Township | 46S |
| Legal Section | 29 |
| Legal Subdivision | ESTERO RIVER HEIGHTS |
| Legal Tract | E4 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Legal Unit | 3 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 50104 |
Source: Lee County records, as of October 8, 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 Record |
|---|---|
| Mailing Address | 20520 PINE TREE LN, ESTERO, FL 33928-2530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2023 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Sep 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2021 · Amount on Record |
| Deed Sale | Sep 30, 2021 · Amount on Record |
| Deed Document Number | 2021320408 |
| Prior Transfer Date | Oct 25, 2010 |
| Prior Transfer Doc | 0000278630 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20520 PINE TREE LN, ESTERO, FL 33928-2530 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20520 PINE TREE LN, ESTERO, FL 33928-2530 |
| Document Number | 0000143149 |
|---|---|
| Date | Apr 21, 2023 |
| Instrument | 2023000143149 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Dec 10, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Sep 30, 2021 |
| Property Address | 20520 PINE TREE LN, ESTERO, FL 33928-2530 |
| Document Number | 0000320408 |
| Map Reference | MB 25 PG 133 |
| Instrument Date | Sep 27, 2021 |
| Instrument | 2021000320408 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Title Company | TITLE GROUP OF FORT MYERS LT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20610 BASIN DR, 20610, ESTERO, FL 33928-2681 |
| Name | Verified Name |
|---|---|
| Address | 20520 PINE TREE LN, ESTERO, FL 33928-2530 |
| Document Number | 0000320409 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 2021000320409 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
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 | $356,509 (+2.7%) | $530,117 (+52.71%) Land $240,566 Building $289,551 | |
| 2025 | $4,345.00 (-32.01%) Homeowner's exemption | $347,136 (-31.34%) Land $300,252 Building $46,884 | $347,136 (-33.29%) Land $300,252 Building $46,884 |
| 2023 | $6,391.00 (+0.66%) Homeowner's exemption | $505,603 (+3%) | $520,331 (+6%) Land $229,392 Building $290,939 |
| 2022 | $6,349.00 Homeowner's exemption | $490,877 Land $170,034 Building $320,843 | $490,877 Land $170,034 Building $320,843 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 101 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 101 in force |
| Nearby Flood Claims | 111 (1988–2024) |
| Claims Outside the SFHA | 6 of 111 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
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 353 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Blue Stream Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CenturyLink, Hotwire Communications.
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