20696 Charing Cross Cir, Estero, FL 33928 Property Records

Lee County property record for 20696 Charing Cross Cir, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 4,269 sqft · built 2019
Lot Size	1.03 acres (45,215 sqft)
Owner	2 Individual Names on File
Last Sale	$387,500 (Feb 2015)
Tax Bill	$17,396 (2025)
Deeds & Mortgages	Sep 2020 Mortgage May 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`29-46-25-E4-06000.0180`

Property Details

APN / Parcel Number

Primary APN	`29-46-25-E4-06000.0180`
Alternative APNs	`252946E4060000180` `29462506000000180` `10274452`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	4,269 sqft Living Area
Gross Area	7,574 sqft
1st Floor Area	2,468 sqft
Upper Floors Area	1,183 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	45,215 sqft
View / Lot	River
Garage Type	Attached
Garage Area	932 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Porch Area	857 sqft
Patio Area	413 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10274452
Street Address	20696 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 18
Legal Range	25E
Legal Township	46S
Legal Section	29
Legal Subdivision	CRANBROOK HARBOUR
Legal Tract	E4
Legal Block	2
Legal Lot Number	18
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2000
Census Tract	50104

Owner

20696 Charing Cross Cir is owned and occupied by two individuals who acquired it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	20696 CHARING CROSS CIR, ESTERO, FL 33928-2539
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
May 25, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Sep 25, 2020	Deed of Trust, Mortgage · Line of Credit LAKE MI CU
Sep 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 27, 2018	Deed of Trust, Mortgage VALLEY NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2015 · Amount on File
Deed Sale	Feb 16, 2015 · Amount on File
Prior Sale	Apr 14, 1998 · Amount on File
Deed Document Number	201531945
Last Transfer Date	May 18, 2022
Transfer Doc	0000175277
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20696 CHARING CROSS CIR, ESTERO, FL 33928-2539
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000226625
Date	Sep 22, 2020
Instrument	2020000226625

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	RENO, NV 89501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	May 25, 2022
Property Address	20696 CHARING CROSS CIR, ESTERO, FL 33928-2539
Document Number	0000175277
Map Reference	MB 32 PG 143&144
Instrument Date	May 18, 2022
Instrument	2022000175277
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20696 CHARING CROSS CIR, ESTERO, FL 33928-2539

Mortgage

Document Number	0000175278
Date	May 25, 2022
Instrument	2022000175278

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2037

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20696 CHARING CROSS CIR, ESTERO, FL 33928-2539
Document Number	0000237434
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20696 CHARING CROSS CIR ESTERO FL 339282539, ESTERO, FL 33928-2539

Mortgage

Document Number	0000237434
Date	Oct 2, 2020
Instrument	237434

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2045

Interest

Rate Type	Adjustable Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEE FL
Recording Date	Sep 29, 2020
Property Address	20696 CHARING CROSS CIR, ESTERO, FL 33928-2539
Document Number	0000232921
Instrument Date	Sep 16, 2020
Instrument	232921
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20696 CHARING CROSS CIR ESTERO FL 339282539, ESTERO, FL 33928-2539

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20696 CHARING CROSS CIR, ESTERO, FL 33928-2539
Document Number	0000104863
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	Jun 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20696 CHARING CROSS CIR ESTERO FL 33928, ESTERO, FL 33928

Mortgage

Document Number	0000104863
Date	May 1, 2018
Instrument	104863

Lender

Name	VALLEY NAT'L BK
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 20696 Charing Cross Cir was $17,396 with a homeowner's exemption.

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		$1,386,975 (+2.78%)	$1,498,331 (-26.79%) Land $461,928 Building $1,036,403
2025	$17,396.00 Homeowner's exemption	$1,349,450	$2,046,486 Land $595,093 Building $1,451,393
2023	$16,435.00 (+1.57%) Homeowner's exemption	$1,273,222 (+3%)	$1,887,334 (+1%) Land $600,794 Building $1,286,540
2022	$16,181.00 Homeowner's exemption	$1,236,138	$1,715,779 Land $424,350 Building $1,291,429

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

Flood

FEMA maps place 20696 Charing Cross Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 20696 Charing Cross Cir is low, with a 0.06% annual chance of 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.

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