Lee County property record for 20549 Napa Loop, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.249 acres (10,854 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,250,000 (May 2026) |
| Tax Bill | $11,583 (2025) |
| Deeds & Mortgages | May 2026 Sale May 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-46-27-L2-0500B.1111 |
| Primary APN | 31-46-27-L2-0500B.1111 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,854 sqft (0.249 acres) |
|---|
| Pool Type | Pool Type |
|---|---|
| Pool Area | 1 sqft |
| Porch | Porch |
| Porch Area | 333 sqft |
| Patio Area | 770 sqft |
| Account Number | 10618841 |
|---|---|
| Street Address | 20549 NAPA LOOP |
| City | ESTERO |
| State | FL |
| Zip | 33928-9801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MPD |
| Legal Description | VERDANA VILLAGE PHASE 2C/2D AS DESC IN 2023000039926 BLOCK B LOT 1111 |
| Legal Subdivision | VERDANA VILLAGE |
| Legal Block | B |
| Legal Lot Number | 1111 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 50312 |
Source: Lee County records, as of May 29, 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 | 1119 ISLAND BROOKS LN, FORT WAYNE, IN 46845-2051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 20, 2026 | Warranty Deed, Transfer HEIGHTS TITLE SERVICES LLC, HEIGHTS TITLE SERVICES |
| May 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU |
| May 14, 2024 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2026 · Amount on Record |
| Deed Sale | May 20, 2026 · Amount on Record |
| Prior Sale | May 14, 2024 · Amount on Record |
| Deed Document Number | 2026133707 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | May 20, 2026 |
| Property Address | 20549 NAPA LOOP, ESTERO, FL 33928-9801 |
| Document Number | 0000133707 |
| Instrument Date | May 14, 2026 |
| Instrument | 2026133707 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | HEIGHTS TITLE SERVICES LLC, HEIGHTS TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $883,750.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1119 ISLAND BROOKS LN, FORT WAYNE, IN 46845-2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20549 NAPA LOOP, ESTERO, FL 33928-9801 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 20549 NAPA LOOP, ESTERO, FL 33928-9801 |
| Document Number | 0000146535 |
|---|---|
| Date | May 30, 2025 |
| Instrument | 2025000146535 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Jul 1, 2028 |
| Change Frequency | 3 Years |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 6.87% |
| Index | 3-Year TN |
| Max Rate | 10.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | May 14, 2024 |
| Property Address | 20549 NAPA LOOP, ESTERO, FL 33928-9801 |
| Document Number | 0000137118 |
| Map Reference | DOC 2023000039926 |
| Instrument Date | May 9, 2024 |
| Instrument | 2024000137118 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,485.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24311 WALDEN CENTER DR # DR300, DR300, BONITA SPRINGS, FL 34134-4937 |
| Name | Verified Name |
|---|---|
| Address | 20549 NAPA LOOP, ESTERO, FL 33928-9801 |
| Document Number | 0000137119 |
|---|---|
| Date | May 14, 2024 |
| Instrument | 2024000137119 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2054 |
Source: Lee County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Unified School District | Lee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,583.00 (+318.16%) Homeowner's exemption | $735,393 (+586.22%) | $778,695 (+626.63%) Land $117,572 Building $661,123 |
| 2023 | $2,770.00 | $107,166 Land $107,166 | $107,166 Land $107,166 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 205 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 329 units insured incl. 124 condo units |
| Nearby Flood Claims | 42 (1981–2024) |
| Claims Outside the SFHA | 9 of 42 |
| Most Recent Claim | Aug 2024 · other causes |
| 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 | High above 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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