20591 Ardore Ln, Estero, FL 33928 Property Records

Lee County property record for 20591 Ardore Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,954 sqft · built 2006
Lot Size	0.219 acres (9,540 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Dec 2016)
Tax Bill	$8,422 (2025)
Deeds & Mortgages	May 2019 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E3-0400E.0440`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E3-0400E.0440`
Alternative APNs	`262946E30400E0440` `294626040000E0440` `10504591`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,954 sqft Living Area
Gross Area	5,820 sqft
1st Floor Area	1,247 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Concrete Block/Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	9,540 sqft (0.219 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	632 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Patio Area	940 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	10504591
Street Address	20591 ARDORE LN
City	ESTERO
State	FL
Zip	33928-6381
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 E LOT 44
Legal Range	26E
Legal Township	46S
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Tract	E3
Legal Block	E
Legal Lot Number	44
Legal Unit	4
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	5
Census Block	5004
Census Tract	50311

Owner

Source: Lee County records, as of October 19, 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	20591 ARDORE LN, ESTERO, FL 33928-6381
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 20, 2019	Deed of Trust, Mortgage · Commercial Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2016 · Amount on Record
Deed Sale	Dec 21, 2016 · Amount on Record
Prior Sale	Jul 30, 2009 · Amount on Record
Deed Document Number	2016269001
Prior Transfer Date	Sep 30, 2009
Prior Transfer Doc	0000136276
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20591 ARDORE LN, ESTERO, FL 33928-6381
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000114277
Date	May 20, 2019
Instrument	2019000114277

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20591 ARDORE LN, ESTERO, FL 33928-6381
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000114278
Date	May 20, 2019
Instrument	2019000114278

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$521,117 (+1%)	$528,002 (-16.71%) Land $96,819 Building $431,183
2025	$8,422.00 (+18.37%)	$473,743 (-7.31%)	$633,969 (+24.05%) Land $105,524 Building $528,445
2023	$7,115.00 (+10.57%)	$511,079 (+19.28%) Land $126,421 Building $384,658	$511,079 (+19.28%) Land $126,421 Building $384,658
2022	$6,435.00	$428,462 Land $97,500 Building $330,962	$428,462 Land $97,500 Building $330,962

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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