20546 Larino Loop, Estero, FL 33928 Property Records

Lee County property record for 20546 Larino Loop, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,667 sqft · built 2007
Lot Size	0.105 acres (4,574 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Dec 2024)
Tax Bill	$5,242 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E2-0500A.0550`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E2-0500A.0550`
Alternative APNs	`262946E20500A0550` `10504783`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,667 sqft Living Area
Gross Area	3,278 sqft
1st Floor Area	890 sqft
Upper Floors Area	1,392 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Townhouse
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	4,574 sqft (0.105 acres)
Garage Type	Attached
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	198 sqft
Patio Area	385 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	10504783
Street Address	20546 LARINO LOOP
City	ESTERO
State	FL
Zip	33928-6372
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	BELLA TERRA UNIT THREE DESC IN PB 82 PGS 58-62 BLK A LOT 55
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Tract	E2
Legal Block	A
Legal Lot Number	55
Legal Unit	3
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2003
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	20546 LARINO LOOP, ESTERO, FL 33928-6372
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage HAMILTON HM LNS INC
Jun 28, 2018	Warranty Deed, Transfer · FHA Mortgage HAMILTON GRP FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2024 · Amount on Record
Deed Sale	Dec 9, 2024 · Amount on Record
Prior Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	2024330547
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20546 LARINO LOOP, ESTERO, FL 33928-6372
Document Number	0000259274
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20546 LARINO LOOP ESTERO FL 339286372, ESTERO, FL 33928-6372

Mortgage

Document Number	0000259274
Date	Oct 26, 2020
Instrument	259274

Lender

Name	HAMILTON HM LNS INC
Address	SUNRISE, FL 33323

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jun 28, 2018
Property Address	20546 LARINO LOOP, ESTERO, FL 33928-6372
Document Number	0000157797
Instrument Date	Jun 18, 2018
Instrument	157797
Transaction Type	Transfer
Record Updated	Jul 18, 2018
Title Company	BONITA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,865.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20546 LARINO LOOP ESTERO FL 339286372, ESTERO, FL 33928-6372

Mortgage

Document Number	157798
Date	Jun 28, 2018
Instrument	157798

Lender

Name	HAMILTON GRP FNDG
Type	Funding / Finance Company
Address	SUNRISE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2048

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		$355,310 (+4.55%) Land $63,591 Building $291,719	$355,310 (+4.55%) Land $63,591 Building $291,719
2025	$5,242.00 (+49.6%) Homeowner's exemption	$339,855 (+62.32%) Land $69,647 Building $270,208	$339,855 (-0.86%) Land $69,647 Building $270,208
2023	$3,504.00 (-1.49%) Homeowner's exemption	$209,373 (+3%)	$342,797 (+24.43%) Land $54,175 Building $288,622
2022	$3,557.00 Homeowner's exemption	$203,275	$275,504 Land $50,820 Building $224,684

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 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
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	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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