20628 E Silver Palm Dr, Estero, FL 33928 Property Records

Lee County property record for 20628 E Silver Palm Dr, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,420 sqft · built 2006
Lot Size	0.146 acres (6,360 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Aug 2018)
Tax Bill	$4,588 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`26-46-25-E4-3100D.0160`

Property Details

APN / Parcel Number

Primary APN	`26-46-25-E4-3100D.0160`
Alternative APNs	`252646E43100D0160` `264625310000D0160` `10498325`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,420 sqft Living Area
Gross Area	2,864 sqft
1st Floor Area	1,533 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	6,360 sqft (0.146 acres)
Garage Type	Attached
Garage Area	387 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Patio Area	330 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	10498325
Street Address	20628 E SILVER PALM DR
City	ESTERO
State	FL
Zip	33928-3475
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	COPPER OAKS DESC IN PB 80 PGS 47-50 BLK D LOT 16
Legal Range	25E
Legal Township	46S
Legal Section	26
Legal Subdivision	COPPER OAKS
Legal Tract	E4
Legal Block	D
Legal Lot Number	16
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2006
Census Tract	50210

Owner

20628 E Silver Palm Dr is owned and occupied by two individuals who bought it in August 2018.

Source: Lee County records, as of April 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	20628 E SILVER PALM DR, ESTERO, FL 33928-3475
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Deed of Trust, Mortgage · FHA Mortgage SERVIS ONE INC
Aug 24, 2018	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG
Aug 24, 2018	Deed of Trust, Mortgage · FHA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on File
Deed Sale	Aug 24, 2018 · Amount on File
Prior Sale	Nov 29, 2012 · Amount on File
Deed Document Number	2018205110
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20628 E SILVER PALM DR, ESTERO, FL 33928-3475
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20628 EAST SILVER PALM DR, ESTERO, FL 33928-3475

Mortgage

Document Number	0000238904
Date	Jul 22, 2022
Instrument	2022000238904

Lender

Name	SERVIS ONE INC
Type	Mortgage Company
Address	IRVING, TX 75038

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	314 Months
Due	Sep 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 24, 2018
Property Address	20628 E SILVER PALM DR, ESTERO, FL 33928-3475
Document Number	0000205110
Instrument Date	Aug 24, 2018
Instrument	205110
Transaction Type	Transfer
Record Updated	Sep 10, 2018
Title Company	NAUMANN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20628 E SILVER PALM DR ESTERO FL 339283475, ESTERO, FL 33928-3475

Mortgage

Document Number	205115
Date	Aug 24, 2018
Instrument	205115

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20628 E SILVER PALM DR, ESTERO, FL 33928-3475
Document Number	0000038987
Instrument Date	Aug 24, 2018
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4996 TRAYNOR CT NAPLES FL 341123672, NAPLES, FL 34112-3672

Mortgage

Document Number	0000038987
Date	Feb 20, 2019
Instrument	38987

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75244

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 20628 E Silver Palm Dr was $4,588 with a homeowner's exemption.

Source: Lee County assessment roll, as of April 13, 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
2025	$4,588.00 Homeowner's exemption	$260,557	$381,796 Land $86,080 Building $295,716
2023	$4,359.00 (-0.98%) Homeowner's exemption	$245,839 (+3%)	$388,119 (+21.1%) Land $250,032 Building $138,087
2022	$4,402.00 Homeowner's exemption	$238,679	$320,487 Land $165,818 Building $154,669

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

Flood

FEMA maps place 20628 E Silver Palm Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 144 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	658 units insured incl. 514 condo units
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Wildfire risk around 20628 E Silver Palm Dr is moderate, ranking above 44% of the US, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Blue Stream Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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