20684 Charing Cross Cir, Estero, FL 33928 Property Records

Lee County property record for 20684 Charing Cross Cir, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,061 sqft · built 1982
Lot Size	1.04 acres (45,564 sqft)
Owner	Individual Name on Record
Last Sale	$785,000 (May 2026)
Tax Bill	$7,510 (2025)
Deeds & Mortgages	May 2026 Sale May 2023 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`29-46-25-E4-06000.0170`

Property Details

APN / Parcel Number

Primary APN	`29-46-25-E4-06000.0170`
Alternative APNs	`252946E4060000170` `29462506000000170` `10274451`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,061 sqft Living Area
Gross Area	2,742 sqft
1st Floor Area	1,347 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	45,564 sqft (1.04 acres)
View / Lot	River
Garage Type	Attached
Garage Area	525 sqft
Porch	Florida Room
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10274451
Street Address	20684 CHARING CROSS CIR
City	ESTERO
State	FL
Zip	33928-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-2
Legal Description	CRANBROOK HARBOR PB 32 PG 144 LOT 17
Legal Range	25E
Legal Township	46S
Legal Section	29
Legal Subdivision	CRANBROOK HARBOUR
Legal Tract	E4
Legal Block	2
Legal Lot Number	17
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2000
Census Tract	50104

Owner

Source: Lee County records, as of June 3, 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 Record
Mailing Address	1000 BLONDIN RUE, ST JEROME
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Warranty Deed, Transfer NAPLES TITLE
May 1, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 1, 2023	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 21, 2019	Warranty Deed, Transfer · ARM FINEMARK NATIONAL BANK & TRUST
Jan 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage JOSE H ORTEGA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	May 21, 2019 · Amount on Record
Deed Document Number	2026137936
Prior Transfer Date	Apr 26, 2023
Prior Transfer Doc	0000154447
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 26, 2026
Property Address	20684 CHARING CROSS CIR, ESTERO, FL 33928-2539
Document Number	0000137936
Instrument Date	May 22, 2026
Instrument	2026137936
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	NAPLES TITLE

Transaction

Amount	Amount Recorded
Tax	$554,995.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	May 1, 2023
Property Address	20684 CHARING CROSS CIR, ESTERO, FL 33928-2539
Document Number	0000154447
Map Reference	MB 32 PG 143&144
Instrument Date	Apr 26, 2023
Instrument	2023000154447
Transaction Type	Transfer
Record Updated	May 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9115 STRADA PL, NAPLES, FL 34108-2883

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9115 STRADA PL UNIT 5208, 5208, NAPLES, FL 34108-2893

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 1, 2023
Property Address	20684 CHARING CROSS CIR, ESTERO, FL 33928-2539
Document Number	0000154448
Map Reference	MB 32 PG 143&144
Instrument Date	Apr 26, 2023
Instrument	2023000154448
Transaction Type	Transfer
Record Updated	May 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9115 STRADA PL UNIT 5208, 5208, NAPLES, FL 34108-2893

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9115 STRADA PL UNIT 5208, 5208, NAPLES, FL 34108-2893

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 21, 2019
Property Address	20684 CHARING CROSS CIR, ESTERO, FL 33928-2539
Document Number	0000115182
Map Reference	MB 32 PG 143&144
Instrument Date	May 6, 2019
Instrument	2019000115182
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	WATERFORD TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,955.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20732 CHARING CROSS CIR, 20732, ESTERO, FL 33928-2541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20684 CHARING CROSS CIR, ESTERO, FL 33928-2539

Mortgage

Document Number	0000115185
Date	May 21, 2019
Instrument	2019000115185

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20684 CHARING CROSS CIR, ESTERO, FL 33928-2539
Document Number	0000023049
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20732 CHARING CROSS CIR ESTERO FL 339282541, ESTERO, FL 33928-2541

Mortgage

Document Number	0000023049
Date	Jan 29, 2018
Instrument	23049

Lender

Name	JOSE H ORTEGA
Address	275 WOODCREST RD, KEY BISCAYNE, FL 33149-1319

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jan 28, 2020

Interest

Rate	5%

Tax Assessment & Valuation

Source: Lee County assessment roll, as of April 13, 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
2025	$7,510.00 (-19.48%)	$576,794 (-41.61%) Land $576,794	$576,794 (-41.61%) Land $576,794
2023	$9,327.00 (+44.4%)	$987,847 (+92.11%) Land $600,793 Building $387,054	$987,847 (+92.11%) Land $600,793 Building $387,054
2022	$6,459.00	$514,209 Land $424,350 Building $89,859	$514,209 Land $424,350 Building $89,859

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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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.

Nearby Properties on Charing Cross Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures