20617 Ardore Ln, Estero, FL 33928 Property Records

Lee County property record for 20617 Ardore Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,570 sqft · built 2006
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$419,500 (Mar 2022)
Tax Bill	$4,893 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-46-26-E3-0400E.0480`

Property Details

APN / Parcel Number

Primary APN	`29-46-26-E3-0400E.0480`
Alternative APNs	`294626040000E0480` `10504595`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,570 sqft Living Area
Gross Area	3,283 sqft
1st Floor Area	1,257 sqft
Upper Floors Area	1,182 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Architectural Style	Colonial
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	7,492 sqft (0.171 acres)
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	240 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	10504595
Old Parcel Number	294626040000E0480
Street Address	20617 ARDORE LN
City	ESTERO
State	FL
Zip	33928-6383
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 48
Legal Range	26
Legal Township	46
Legal Section	29
Legal Subdivision	BELLA TERRA
Legal Block	E
Legal Lot Number	48
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 December 25, 2025

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
Co-owner	Co-owner on Record
Mailing Address	20617 ARDORE LN, ESTERO, FL 33928-6383
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 6, 2023	Deed of Trust, Mortgage · FHA Mortgage DOVENMUEHLE MORTGAGE INC
Mar 1, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2022 · Amount on Record
Deed Sale	Mar 1, 2022 · Amount on Record
Prior Sale	Nov 23, 2015
Deed Document Number	2022000068625
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20617 ARDORE LN, ESTERO, FL 33928-6383
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20617 ARDORE LN, ESTERO, FL 33928-6383

Mortgage

Document Number	0000044982
Date	Feb 19, 2024
Instrument	2024000044982

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Mar 1, 2052

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20617 ARDORE LN, ESTERO, FL 33928-6383
Transaction Type	Mortgage
Record Updated	Jun 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20617 ARDORE LN, ESTERO, FL 33928-6383

Mortgage

Document Number	0000199216
Date	Jun 6, 2023
Instrument	2023000199216

Lender

Name	DOVENMUEHLE MORTGAGE INC
Type	Mortgage Company
Address	DALLAS, TX 75201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Mar 10, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 1, 2022
Property Address	20617 ARDORE LN, ESTERO, FL 33928-6383
Document Number	0000068625
Map Reference	MB 82 PG 38-42
Instrument Date	Feb 23, 2022
Instrument	2022000068625
Transaction Type	Transfer
Record Updated	Mar 9, 2022
Title Company	PREMIER REPUTATION TITLE AGCY LLC, PREMIER REPUTATION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,936.50
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9920 SPRINGLAKE CIR, 9920, ESTERO, FL 33928-6288

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20617 ARDORE LN, ESTERO, FL 33928-6383

Mortgage

Document Number	0000068626
Date	Mar 1, 2022
Instrument	2022000068626

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Lee County assessment roll, as of July 1, 2025

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
2025	$4,893.00 (-22.64%) Homeowner's exemption	$416,098 (-1.02%) Land $97,708 Building $318,390	$416,098 (-1.02%) Land $97,708 Building $318,390
2023	$6,325.00 (+14.36%) Homeowner's exemption	$420,398 (+19.28%) Land $99,437 Building $320,961	$420,398 (+19.28%) Land $99,437 Building $320,961
2022	$5,531.00	$352,439 Land $97,500 Building $254,939	$352,439 Land $97,500 Building $254,939

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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