20635 Armada Ct, Estero, FL 33928 Property Records

Lee County property record for 20635 Armada Ct, Estero, FL 33928 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,814 sqft · built 1995
Lot Size	0.267 acres (11,631 sqft)
Owner	Individual Name on File
Last Sale	$380,500 (Jun 2013)
Tax Bill	$4,851 (2025)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-46-25-E4-09026.0000`

Property Details

APN / Parcel Number

Primary APN	`29-46-25-E4-09026.0000`
Alternative APNs	`252946E4090260000` `29462509000260000` `10274831`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,814 sqft Living Area
Gross Area	3,721 sqft
1st Floor Area	2,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	11,631 sqft (0.267 acres)
View / Lot	Canal Front
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Slab
Porch Area	424 sqft
Patio Area	422 sqft
Lawn Sprinklers	Lawn Sprinklers
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10274831
Street Address	20635 ARMADA CT
City	ESTERO
State	FL
Zip	33928-2555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUARTERDECK COVD SUBD PB 36 PG 59 LOT 26
Legal Range	25E
Legal Township	46S
Legal Section	29
Legal Subdivision	QUARTER DECK COVE - NEWER HOMES
Legal Tract	E4
Legal Block	1
Legal Lot Number	26
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1004
Census Tract	50104

Owner

Source: Lee County records · APN 29-46-25-E4-09026.0000

Assessment roll updated April 13, 2026 · Last verified May 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 File
Mailing Address	20635 ARMADA CT, ESTERO, FL 33928-2555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 27, 2013 · Amount on Record
Deed Sale	Jun 27, 2013 · Amount on Record
Prior Sale	Dec 30, 1993 · Amount on Record
Deed Document Number	2013150688
Record Updated	Jun 08, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20635 ARMADA CT, ESTERO, FL 33928-2555
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20635 ARMADA CT, ESTERO, FL 33928-2555

Mortgage

Document Number	0000380270
Date	Dec 14, 2022
Instrument	2022000380270

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	FORT WORTH, TX 76155

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 14, 2052

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,851.00 (+56.84%) Homeowner's exemption	$386,007 (+52.24%)	$625,160 (+146.56%) Land $423,920 Building $201,240
2023	$3,093.00 (-31.84%) Homeowner's exemption	$253,550 (-28.29%) Land $253,540 Building $10	$253,550 (-59.38%) Land $253,540 Building $10
2022	$4,538.00 Homeowner's exemption	$353,594	$624,187 Land $187,933 Building $436,254

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120710501041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 101 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	101 in force
Nearby Flood Claims	111 (1988–2024)
Claims Outside the SFHA	6 of 111
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 5 claims Hurricane Ian, Oct 2022 · 40 claims Hurricane Ian, Sep 2022 · 51 claims

Wildfire

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	About 1 in 318 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 20 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Lumen Technologies	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.