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20577 Napa Loop, Estero, FL 33928 Property Records

Lee County property record for 20577 Napa Loop, Estero, FL 33928 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Lot Size0.249 acres (10,854 sqft)
Owner2 Individual Names on File
Last Sale$1,071,400 (Jul 2024)
Tax Bill$12,693 (2025)
Deeds & MortgagesJul 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN31-46-27-L2-0500B.1104

Property Details

APN / Parcel Number

Primary APN31-46-27-L2-0500B.1104
Alternative APNs
  • 273146L20500B1104
  • 10618834

Exterior

Lot Area10,854 sqft (0.249 acres)

Exterior Amenities

Pool TypePool Type
Pool Area1 sqft
PorchPorch
Porch Area386 sqft
Patio Area877 sqft

Location & Zoning

Account Number10618834
Street Address20577 NAPA LOOP
CityESTERO
StateFL
Zip33928-9801
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVERDANA VILLAGE PHASE 2C/2D AS DESC IN 2023000039926 BLOCK B LOT 1104
Legal SubdivisionVERDANA VILLAGE
Legal BlockB
Legal Lot Number1104
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group1
Census Block1003
Census Tract50312

Owner

Source: Lee County records · APN 31-46-27-L2-0500B.1104

Assessment roll updated April 13, 2026 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address20577 NAPA LOOP, ESTERO, FL 33928-9801
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 10, 2024 · Amount on Record
Deed SaleJul 10, 2024 · Amount on Record
Deed Document Number2024195026
Record UpdatedJun 08, 2026

July 2024: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateJul 10, 2024
Property Address20577 NAPA LOOP, ESTERO, FL 33928-9801
Document Number0000195026
Map ReferenceDOC 2023000039926
Instrument DateJun 26, 2024
Instrument2024000195026
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 26, 2025
Title CompanyPGP TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$7,499.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address24311 WALDEN CENTER DR # DR300, DR300, BONITA SPRINGS, FL 34134-4937

Transferred To (Grantee/Buyer)

NameVerified Name
Address20577 NAPA LOOP, ESTERO, FL 33928-9801

Mortgage

Document Number0000195027
DateJul 10, 2024
Instrument2024000195027
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2054
Interest
Rate TypeAdjustable Rate
Rate6.12%
Type Change DateJul 01, 2034
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change11.1%
IndexSOFR Average 30-Day
Margin3
Max Rate11.1%

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
Unified School DistrictLee County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$12,693.00 (+358.23%) Homeowner's exemption$819,445 (+664.65%) Land $117,572 Building $701,873$819,445 (+664.65%) Land $117,572 Building $701,873
2023$2,770.00$107,166 Land $107,166$107,166 Land $107,166

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120710503121, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 205 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies329 units insured
124 under condo master policies
Nearby Flood Claims42 (1981–2024)
Claims Outside the SFHA9 of 42
Most Recent ClaimAug 2024, other causes
Claims By Storm
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Irma, Sep 2017 · 26 claims

Wildfire

Wildfire RiskHigh
above 77% of the US · above 65% of Florida
Wildfire LikelihoodAbout 1 in 170 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 55 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
XfinityCable1,200 / 35
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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