20631 Charing Cross Cir, Estero, FL 33928 Property Records

Lee County property record for 20631 Charing Cross Cir, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 1983
Lot Size	1.08 acres (47,480 sqft)
Owner	2 Individual Names on File
Last Sale	$359,000 (Apr 2017)
Tax Bill	$3,486 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-46-25-E4-06000.0380`

Property Details

APN / Parcel Number

Primary APN	`29-46-25-E4-06000.0380`
Alternative APNs	`252946E4060000380` `29462506000000380` `10274472`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,640 sqft Living Area
Gross Area	3,666 sqft
1st Floor Area	1,640 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	47,480 sqft
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	290 sqft
Patio Area	821 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10274472
Street Address	20631 CHARING CROSS CIR
City	ESTERO
State	FL
Zip	33928-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-2
Legal Description	CRANBROOK HARBOR PB 32 PG 144 LOT 38
Legal Range	25E
Legal Township	46S
Legal Section	29
Legal Subdivision	CRANBROOK HARBOUR
Legal Tract	E4
Legal Block	2
Legal Lot Number	38
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2012
Census Tract	50104

Owner

20631 Charing Cross Cir is owned and occupied by two individuals who bought it in April 2017.

Source: Lee County records, as of July 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20631 CHARING CROSS CIR, ESTERO, FL 33928-2540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 11, 2017	Warranty Deed, Transfer · Conventional Mortgage MARKETPLACE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2017 · Amount on File
Deed Sale	Apr 11, 2017 · Amount on File
Prior Sale	Apr 11, 2014 · Amount on File
Deed Document Number	201777065
Prior Transfer Date	Mar 2, 2012
Prior Transfer Doc	0000061477
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20631 CHARING CROSS CIR, ESTERO, FL 33928-2540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20631 CHARING CROSS CIR, ESTERO, FL 33928-2540

Mortgage

Document Number	0000251313
Date	Oct 20, 2020
Instrument	2020000251313

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 11, 2017
Property Address	20631 CHARING CROSS CIR, ESTERO, FL 33928-2540
Document Number	0000077065
Map Reference	MB32 PG143
Instrument Date	Apr 10, 2017
Instrument	2017000077065
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,513.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 295, ESTERO, FL 33929-0295

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20564 CHARING CROSS CIR, ESTERO, FL 33928-2537

Mortgage

Document Number	0000077066
Date	Apr 11, 2017
Instrument	2017000077066

Lender

Name	MARKETPLACE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20631 Charing Cross Cir was $3,486 with a homeowner's exemption.

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		$288,744 (+2.7%)	$526,727 (+12.19%) Land $188,095 Building $338,632
2025	$3,486.00 Homeowner's exemption	$281,153	$469,490 Land $205,804 Building $263,686
2023	$2,623.00 (-19.81%) Homeowner's exemption	$217,635 (-15.5%) Land $217,625 Building $10	$217,635 (-33.02%) Land $217,625 Building $10
2022	$3,271.00 Homeowner's exemption	$257,545	$324,907 Land $153,712 Building $171,195

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

Flood

FEMA maps place 20631 Charing Cross Cir 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 57 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	35 (2005–2024)
Most Recent Claim	Oct 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

Wildfire risk around 20631 Charing Cross Cir is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct 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

Provider	Max 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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