20576 Ardore Ln, Estero, FL 33928 Property Records

Lee County property record for 20576 Ardore Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,154 sqft · built 2006
Lot Size	0.222 acres (9,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Aug 2010)
Tax Bill	$4,895 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E3-0400D.0600`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E3-0400D.0600`
Alternative APNs	`262946E30400D0600` `294626040000D0600` `10504565`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,154 sqft Living Area
Gross Area	5,191 sqft
1st Floor Area	1,481 sqft
Upper Floors Area	1,473 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	9,670 sqft (0.222 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	340 sqft
Porch	Florida Room
Porch Area	577 sqft
Patio Area	860 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10504565
Street Address	20576 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 60
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Tract	E3
Legal Block	D
Legal Lot Number	60
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	2 Individual Names on Record
Mailing Address	20576 ARDORE LN, ESTERO, FL 33928-6380
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONS RELIABLE LENDING LLC
Mar 4, 2020	Deed of Trust, Mortgage · Conventional with PMI SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2010 · Amount on Record
Deed Sale	Aug 2, 2010 · Amount on Record
Prior Sale	Oct 16, 2006 · Amount on Record
Deed Document Number	2010191277
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20576 ARDORE LN, ESTERO, FL 33928-6380
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20576 ARDORE LN, ESTERO, FL 33928-6380

Mortgage

Document Number	0000342825
Date	Dec 31, 2025
Instrument	2025000342825

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20576 ARDORE LN, ESTERO, FL 33928-6380
Transaction Type	Mortgage
Record Updated	Mar 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20576 ARDORE LN, ESTERO, FL 33928-6380

Mortgage

Document Number	0000080526
Date	Mar 10, 2022
Instrument	2022000080526

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company
Address	HOUSTON, TX 77057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20576 ARDORE LN, ESTERO, FL 33928-6380
Document Number	0000063641
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20576 ARDORE LN ESTERO FL 339286380, ESTERO, FL 33928-6380

Mortgage

Document Number	0000063641
Date	Mar 12, 2020
Instrument	63641

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2050

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		$316,879 (+2.7%)	$578,467 (-19.43%) Land $96,819 Building $481,648
2025	$4,895.00 (+5.63%) Homeowner's exemption	$308,548 (+5.99%)	$717,950 (+49.78%) Land $105,524 Building $612,426
2023	$4,634.00 (+16.08%) Homeowner's exemption	$291,118 (+25.64%)	$479,328 (+19.28%) Land $128,371 Building $350,957
2022	$3,992.00 Homeowner's exemption	$231,706	$401,854 Land $97,500 Building $304,354

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 53% of the US · lower than 75% 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 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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