Lee County property record for 20522 Fair Oak Ln, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · built 2024 |
| Lot Size | 0.168 acres (7,323 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $677,900 (Jan 2025) |
| Tax Bill | $8,350 (2025) |
| Deeds & Mortgages | Jan 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-46-26-E3-09000.3560 |
| Primary APN | 30-46-26-E3-09000.3560 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Lot Area | 7,323 sqft (0.168 acres) |
| Porch | Porch |
| Porch Area | 60 sqft |
| Account Number | 10624735 |
|---|---|
| Street Address | 20522 FAIR OAK LN |
| City | ESTERO |
| State | FL |
| Zip | 33928-4093 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | RIVERCREEK PHASE THREE LOT 356 AS DESC IN INSTRUMENT 2023000297539 |
| Legal Subdivision | RIVERCREEK - PHASE THREE |
| Legal Block | 1 |
| Legal Lot Number | 356 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 50311 |
20522 Fair Oak Ln is owned and occupied by two individuals who bought it in January 2025.
Source: Lee County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20522 FAIR OAK LN, ESTERO, FL 33928-4093 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 | Jan 14, 2025 · Amount on File |
| Deed Sale | Jan 14, 2025 · Amount on File |
| Deed Document Number | 202511925 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Jan 14, 2025 |
| Property Address | 20522 FAIR OAK LN, ESTERO, FL 33928-4093 |
| Document Number | 0000011925 |
| Map Reference | DOC 2023000297539 |
| Instrument Date | Jan 9, 2025 |
| Instrument | 2025000011925 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | NOVA TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,745.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 SAWGRASS CORPORATE PKWY STE 400, 400, SUNRISE, FL 33323-2890 |
| Name | Verified Name |
|---|---|
| Address | 20522 FAIR OAK LN, ESTERO, FL 33928-4093 |
| Document Number | 0000011926 |
|---|---|
| Date | Jan 14, 2025 |
| Instrument | 2025000011926 |
| Name | GL FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2055 |
The 2025 property tax bill for 20522 Fair Oak Ln was $8,350.
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 | $510,264 (+12.73%) Land $80,492 Building $429,772 | $510,264 (+7.01%) Land $80,492 Building $429,772 | |
| 2025 | $8,350.00 | $452,623 | $476,823 Land $91,004 Building $385,819 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20522 Fair Oak Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 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 risk around 20522 Fair Oak Ln is high, ranking above 77% of the US, with a 0.3% annual chance of 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 | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
May also be available: CenturyLink.
5G (outdoors only) and 4G LTE
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