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20588 Charing Cross Cir, Estero, FL 33928 Property Records

Lee County property record for 20588 Charing Cross Cir, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,700 sqft · built 1987
Lot Size1.02 acres (44,431 sqft)
Owner2 Individual Names on Record
Last Sale$105,000 (Aug 2013)
Tax Bill$4,808 (2025)
Deeds & MortgagesMar 2024 Mortgage
Dec 2021 Mortgage
Flood ZoneZone AE (high risk)
APN29-46-25-E4-06000.0090

Property Details

APN / Parcel Number

Primary APN29-46-25-E4-06000.0090
Alternative APNs
  • 252946E4060000090
  • 10274443

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,700 sqft Living Area
Gross Area6,414 sqft
1st Floor Area1,554 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1988
Architectural StyleContemporary
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialMetal
Lot Area44,431 sqft (1.02 acres)
Garage TypeAttached
Garage Area792 sqft
Parking Spaces5 Parking Spaces

Exterior Amenities

Pool Area392 sqft
PorchFinished/Open Porch
Patio Area1,336 sqft
Shed1 Shed
Shed Area80 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10274443
Street Address20588 CHARING CROSS CIR
CityESTERO
StateFL
Zip33928-2537
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-2
Legal DescriptionCRANBROOK HARBOR PB 32 PG 144 LOT 9
Legal Range25E
Legal Township46S
Legal Section29
Legal SubdivisionCRANBROOK HARBOUR
Legal TractE4
Legal Block2
Legal Lot Number9
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group2
Census Block2000
Census Tract50104

Owner

Source: Lee County records, as of April 13, 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 Record
Mailing Address20588 CHARING CROSS CIR, ESTERO, FL 33928-2537
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 12, 2024Deed of Trust, Mortgage · SBA Mortgage
UNITED STATES SMALL BUSINESS ADMIN
Dec 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 13, 2013 · Amount on Record
Deed SaleAug 13, 2013 · Amount on Record
Prior SaleJul 16, 2010 · Amount on Record
Deed Document Number2013186470
Prior Transfer DateAug 7, 2013
Prior Transfer Doc0000186470
Record UpdatedJun 8, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address20588 CHARING CROSS CIR, ESTERO, FL 33928-2537
Transaction TypeMortgage
Record UpdatedMar 22, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address20588 CHARING CROSS CIR, ESTERO, FL 33928-2537

Mortgage

Document Number0000069065
DateMar 12, 2024
Instrument2024000069065
Lender
NameUNITED STATES SMALL BUSINESS ADMIN
TypeGovernment Agency
AddressBIRMINGHAM, AL 35203
Agreement
TypeSBA Mortgage
AmountAmount Recorded
Term355 Months
DueOct 6, 2053

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address20588 CHARING CROSS CIR, ESTERO, FL 33928-2537
Transaction TypeMortgage
Record UpdatedJan 17, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address20588 CHARIATG CROSS CIR, ESTERO, FL 33928

Mortgage

Document Number0000410906
DateDec 15, 2021
Instrument2021000410906
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term178 Months
DueOct 1, 2036

Tax Assessment & Valuation

Source: Lee County assessment roll, as of April 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,808.00 (+6.84%) Homeowner's exemption$382,682 (+5.99%)$644,063 (-12.85%) Land $208,768 Building $435,295
2023$4,500.00 (+0.04%) Homeowner's exemption$361,065 (+3%)$739,056 (+56.19%) Land $203,648 Building $535,408
2022$4,498.00 Homeowner's exemption$350,549$473,167 Land $143,840 Building $329,327

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 57 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies57 in force
Nearby Flood Claims35 (2005–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 3 claims
  • Hurricane Ian, Oct 2022 · 16 claims
  • Hurricane Ian, Sep 2022 · 13 claims

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 RiskModerate
above 50% of the US · lower than 79% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Blue Stream
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: CenturyLink, Hotwire Communications.

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