20522 Ardore Ln, Estero, FL 33928 Property Records

Lee County property record for 20522 Ardore Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,730 sqft · built 2006
Lot Size	0.241 acres (10,498 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Feb 2026)
Tax Bill	$6,097 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E3-0400D.0510`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E3-0400D.0510`
Alternative APNs	`262946E30400D0510` `10504548`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,730 sqft Living Area
Gross Area	3,250 sqft
1st Floor Area	1,389 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	10,498 sqft (0.241 acres)
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10504548
Street Address	20522 ARDORE LN
City	ESTERO
State	FL
Zip	33928-6380
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 D LOT 51
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Tract	E3
Legal Block	D
Legal Lot Number	51
Legal Unit	4
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	5
Census Block	5000
Census Tract	50311

Owner

Source: Lee County records, as of July 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	20522 ARDORE LN, ESTERO, FL 33928-6380
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Feb 5, 2026	Warranty Deed, Transfer · Conventional Mortgage PINNACLE BANK
Dec 15, 2023	Warranty Deed, Transfer · Balloon Mortgage ANNE J HOFSTETTER ETAL
Oct 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2026 · Amount on Record
Deed Sale	Feb 5, 2026 · Amount on Record
Prior Sale	May 18, 2016 · Amount on Record
Deed Document Number	202630035
Prior Transfer Date	Oct 1, 2019
Prior Transfer Doc	0000230391
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20522 ARDORE LN, ESTERO, FL 33928-6380
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20522 ARDORE LN, ESTERO, FL 33928-6380

Mortgage

Document Number	0000080719
Date	Mar 16, 2021
Instrument	2021000080719

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 5, 2026
Property Address	20522 ARDORE LN, ESTERO, FL 33928-6380
Document Number	0000030035
Map Reference	MB 82 PG 38-42
Instrument Date	Jan 26, 2026
Instrument	2026000030035
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	UNKNOWN, FLORIDA HOMETOWN T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 W STURGEON DR, NAGS HEAD, NC 27959-9222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20522 ARDORE LN, ESTERO, FL 33928-6380

Mortgage

Document Number	0000030036
Date	Feb 5, 2026
Instrument	2026000030036

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Dec 15, 2023
Property Address	20522 ARDORE LN, ESTERO, FL 33928-6380
Document Number	0000393141
Map Reference	MB 82 PG 38-42
Instrument Date	Dec 15, 2023
Instrument	2023000393141
Transaction Type	Transfer
Record Updated	Dec 28, 2023
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,745.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15381 BRIARCREST CIR, FORT MYERS, FL 33912-6398

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20522 ARDORE LN, ESTERO, FL 33928-6380
Investor	Possibly a Property Investor

Mortgage

Document Number	0000393142
Date	Dec 15, 2023
Instrument	2023000393142

Lender

Name	ANNE J HOFSTETTER ETAL
Type	Private Party
Address	15381 BRIARCREST CIR, FORT MYERS, FL 33912

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEE FL
Recording Date	Oct 4, 2019
Property Address	20522 ARDORE LN, ESTERO, FL 33928-6380
Document Number	0000230391
Instrument Date	Oct 4, 2019
Instrument	230391
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20522 ARDORE LN ESTERO FL 339286380, ESTERO, FL 33928-6380

Tax Assessment & Valuation

Source: Lee County assessment roll, as of July 29, 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
2026		$398,120 (-0.7%) Land $89,875 Building $308,245	$398,120 (-0.7%) Land $89,875 Building $308,245
2025	$6,097.00 (+42.82%) Homeowner's exemption	$400,918 (+52.32%) Land $92,863 Building $308,055	$400,918 (-7.52%) Land $92,863 Building $308,055
2023	$4,269.00 (-0.86%) Homeowner's exemption	$263,210 (+3%)	$433,539 (+24.42%) Land $124,185 Building $309,354
2022	$4,306.00 Homeowner's exemption	$255,544	$348,450 Land $83,095 Building $265,355

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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