Lee County property record for 20646 Fair Oak Ln, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · built 2024 |
| Lot Size | 0.241 acres (10,481 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $897,000 (Dec 2024) |
| Tax Bill | $2,837 (2025) |
| Deeds & Mortgages | Dec 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-46-26-E3-09000.4080 |
| Primary APN | 30-46-26-E3-09000.4080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Lot Area | 10,481 sqft (0.241 acres) |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 312 sqft |
| Porch | Porch |
| Porch Area | 840 sqft |
| Patio Area | 528 sqft |
| Account Number | 10624787 |
|---|---|
| Street Address | 20646 FAIR OAK LN |
| City | ESTERO |
| State | FL |
| Zip | 33928-4096 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | RIVERCREEK PHASE THREE LOT 408 AS DESC IN INSTRUMENT 2023000297539 |
| Legal Subdivision | RIVERCREEKPHASE THREE |
| Legal Block | 1 |
| Legal Lot Number | 408 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 50311 |
20646 Fair Oak Ln is owned and occupied by two individuals who bought it in December 2024.
Source: Lee County records, as of October 15, 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 | 20646 FAIR OAK LN, ESTERO, FL 33928-4096 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2024 · Amount on File |
| Deed Sale | Dec 19, 2024 · Amount on File |
| Deed Document Number | 2024341619 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Dec 19, 2024 |
| Property Address | 20646 FAIR OAK LN, ESTERO, FL 33928-4096 |
| Document Number | 0000341619 |
| Map Reference | DOC 2023000297539 |
| Instrument Date | Dec 17, 2024 |
| Instrument | 2024000341619 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | NOVA TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $6,279.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 SAWGRASS CORPORATE PKWY STE 400, 400, SUNRISE, FL 33323-2890 |
| Name | Verified Name |
|---|---|
| Address | 20646 FAIR OAK LN, ESTERO, FL 33928-4096 |
The 2025 property tax bill for 20646 Fair Oak Ln was $2,837.
Source: Lee County assessment roll, as of July 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Municipality | Estero Village |
| Unified School District | Lee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $247,386 (+424.39%) | $628,913 (+0.86%) Land $102,847 Building $526,066 | |
| 2025 | $2,837.00 Homeowner's exemption | $47,176 | $623,563 Land $120,300 Building $503,263 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 20646 Fair Oak Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
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 File median of 60 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 60 in force |
| Nearby Flood Claims | 2 (2017–2022) |
| Claims Outside the SFHA | 2 of 2 |
| 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 risk around 20646 Fair Oak Ln is high, ranking above 74% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 59% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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