Lee County property record for 20654 Fair Oak Ln, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 7 ba · built 2024 |
| Lot Size | 0.161 acres (7,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $885,900 (Feb 2025) |
| Tax Bill | $11,880 (2025) |
| Deeds & Mortgages | Feb 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-46-26-E3-09000.4400 |
| Primary APN | 30-46-26-E3-09000.4400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 7 Baths |
| Stories | 2 Stories |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Lot Area | 7,019 sqft (0.161 acres) |
| Account Number | 10624819 |
|---|---|
| Street Address | 20654 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 440 AS DESC IN INSTRUMENT 2023000297539 |
| Legal Subdivision | RIVERCREEK - PHASE THREE |
| Legal Block | 1 |
| Legal Lot Number | 440 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 50311 |
20654 Fair Oak Ln is owned and occupied by two individuals who bought it in February 2025.
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 | 20654 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 | Feb 5, 2025 · Amount on File |
| Deed Sale | Feb 5, 2025 · Amount on File |
| Deed Document Number | 202532631 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Feb 5, 2025 |
| Property Address | 20654 FAIR OAK LN, ESTERO, FL 33928-4096 |
| Document Number | 0000032631 |
| Map Reference | DOC 2023000297539 |
| Instrument Date | Feb 5, 2025 |
| Instrument | 2025000032631 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | NOVA TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,201.30 |
| 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 | 20654 FAIR OAK LN, ESTERO, FL 33928-4096 |
| Document Number | 0000032632 |
|---|---|
| Date | Feb 5, 2025 |
| Instrument | 2025000032632 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2040 |
The 2025 property tax bill for 20654 Fair Oak Ln was $11,880.
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 | $754,389 (+2.84%) Land $66,280 Building $688,109 | $754,389 (+2.81%) Land $66,280 Building $688,109 | |
| 2025 | $11,880.00 | $733,543 | $733,762 Land $67,023 Building $666,739 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20654 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 20654 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
Search by:
By searching, you agree to: Terms • Privacy • Disclosures