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20702 Fair Oak Ln, Estero, FL 33928 Property Records

Lee County property record for 20702 Fair Oak Ln, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · built 2025
Lot Size0.144 acres (6,290 sqft)
Owner2 Individual Names on Record
Last Sale$813,142 (Mar 2025)
Tax Bill$3,198 (2025)
Deeds & MortgagesMar 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN31-46-26-E2-09000.4480

Property Details

APN / Parcel Number

Primary APN31-46-26-E2-09000.4480
Alternative APNs
  • 263146E2090004480
  • 10624863

Interior

Bedrooms3 Beds
Full Baths4 Baths
Stories2 Stories

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Lot Area6,290 sqft (0.144 acres)

Location & Zoning

Account Number10624863
Street Address20702 FAIR OAK LN
CityESTERO
StateFL
Zip33928-4098
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRPD
Legal DescriptionRIVERCREEK PHASE THREE LOT 448 AS DESC IN INSTRUMENT 2023000297539
Legal SubdivisionRIVERCREEK PHASE THREE
Legal Block1
Legal Lot Number448
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group5
Census Block5011
Census Tract50311

Owner

Source: Lee County records, as of October 15, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address20702 FAIR OAK LN, ESTERO, FL 33928-4098
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 13, 2025 · Amount on Record
Deed SaleMar 13, 2025 · Amount on Record
Deed Document Number202567970
Record UpdatedOct 29, 2026

March 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionLEE FL
Recording DateMar 13, 2025
Property Address20702 FAIR OAK LN, ESTERO, FL 33928-4098
Document Number0000067970
Map ReferenceDOC 2023000297539
Instrument DateMar 12, 2025
Instrument2025000067970
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 26, 2025
Title CompanyNOVA TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,692.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1600 SAWGRASS CORPORATE PKWY STE 400, 400, SUNRISE, FL 33323-2890

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20702 FAIR OAK LN, ESTERO, FL 33928-4098

Mortgage

Document Number0000067971
DateMar 13, 2025
Instrument2025000067971
Lender
NameGL FINANCIAL SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2055

Tax Assessment & Valuation

Source: Lee County assessment roll, as of July 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
MunicipalityEstero Village
Unified School DistrictLee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$620,390 (+828.67%) Land $63,825 Building $556,565$620,390 (+825.64%) Land $63,825 Building $556,565
2025$3,198.00$66,804 Land $66,804$67,023 Land $67,023

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 88 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies88 in force
Nearby Flood Claims1 (2017)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2017 · Hurricane Irma

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 RiskHigh
above 80% of the US · above 69% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 207 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Hotwire Communications
Fiber		2,500 / 2,500
Xfinity
Cable		1,200 / 35

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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