20651 Rivers Ford, Estero, FL 33928 Property Records

Lee County property record for 20651 Rivers Ford, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,381 sqft · built 1996
Lot Size	0.174 acres (7,597 sqft)
Owner	2 Individual Names on Record
Last Sale	$188,600 (Aug 1996)
Tax Bill	$4,935 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`27-46-25-E3-080F5.0050`

Property Details

APN / Parcel Number

Primary APN	`27-46-25-E3-080F5.0050`
Alternative APNs	`252746E3080F50050` `27462508000F50050` `10273358`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,381 sqft Living Area
Gross Area	2,956 sqft
1st Floor Area	1,656 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	7,597 sqft (0.174 acres)
View / Lot	Creek
Garage Type	Attached
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	240 sqft
Porch	Florida Room
Porch Area	148 sqft
Patio Area	560 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	10273358
Street Address	20651 RIVERS FRD
City	ESTERO
State	FL
Zip	33928-4242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	VILL AT CNTY CREEK UT 5 PB 57 PGS 30-35 BLK F5 LT 5
Legal Range	25E
Legal Township	46S
Legal Section	27
Legal Subdivision	VILL AT CNTY CREEK
Legal Tract	E3
Legal Block	1
Legal Lot Number	5
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	50210

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20651 RIVERS FRD, ESTERO, FL 33928-4242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 1996 · Amount on Record
Deed Sale	Aug 1, 1996 · Amount on Record
Deed Book / Page	2731 / 1491
Record Updated	Sep 20, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 13, 2018
Property Address	20651 RIVERS FRD, ESTERO, FL 33928-4242
Document Number	0000194591
Instrument Date	Aug 7, 2018
Instrument	194591
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	BONITA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,942.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20651 RIVERS FRD ESTERO FL 339284242, ESTERO, FL 33928-4242

Mortgage

Document Number	194594
Date	Aug 13, 2018
Instrument	194594

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2048

Tax Assessment & Valuation

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		$386,020 (+1%)	$394,470 (+12.41%) Land $70,931 Building $323,539
2025	$4,935.00 (+0.18%)	$350,927 (-11%) Land $77,682 Building $273,245	$350,927 (-11%) Land $77,682 Building $273,245
2023	$4,926.00 (+14.91%)	$394,322 (+25.98%) Land $92,499 Building $301,823	$394,322 (+25.98%) Land $92,499 Building $301,823
2022	$4,287.00	$313,006 Land $87,598 Building $225,408	$313,006 Land $87,598 Building $225,408

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 143 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	143 in force
Nearby Flood Claims	2 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 411 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Hotwire Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20