Lee County property record for 20768 Charing Cross Cir, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,640 sqft · built 1986 |
| Lot Size | 1.14 acres (50,007 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $112,500 (May 2010) |
| Tax Bill | $4,750 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Apr 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 29-46-25-E4-06000.0240 |
| Primary APN | 29-46-25-E4-06000.0240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,640 sqft Living Area |
| Gross Area | 7,079 sqft |
| 1st Floor Area | 3,227 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 50,007 sqft |
| View / Lot | River |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 449 sqft |
| Patio Area | 2,203 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10274458 |
|---|---|
| Street Address | 20768 CHARING CROSS CIR |
| City | ESTERO |
| State | FL |
| Zip | 33928-2541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-2 |
| Legal Description | CRANBROOK HARBOR PB 32 PG 144 LOT 24 |
| Legal Range | 25E |
| Legal Township | 46S |
| Legal Section | 29 |
| Legal Subdivision | CRANBROOK HARBOUR |
| Legal Tract | E4 |
| Legal Block | 2 |
| Legal Lot Number | 24 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 50104 |
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 Company Names on Record |
|---|---|
| Mailing Address | 20768 CHARING CROSS CIR, ESTERO, FL 33928-2541 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| May 7, 2026 | Deed of Trust, Mortgage · Line of Credit TD BANK |
| Apr 19, 2017 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2010 · Amount on Record |
| Deed Sale | May 24, 2010 · Amount on Record |
| Prior Sale | May 4, 1998 · Amount on Record |
| Deed Document Number | 2010130321 |
| Transfer Doc | 2938000710 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | May 7, 2026 |
| Property Address | 20768 CHARING CROSS CIR, ESTERO, FL 33928-2541 |
| Document Number | 0000122169 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026122169 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Document Number | 0000122169, |
|---|---|
| Date | May 7, 2026 |
| Instrument | 2026122169 |
| Name | TD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 22, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20768 CHARING CROSS CIR, ESTERO, FL 33928-2541 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000084519 |
|---|---|
| Date | Apr 19, 2017 |
| Instrument | 2017000084519 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 14, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Change Frequency | Monthly |
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 | $388,444 (+2.7%) | $977,153 (-22.79%) Land $352,261 Building $624,892 | |
| 2025 | $4,750.00 (+6.86%) Homeowner's exemption | $378,232 (+5.99%) | $1,265,587 (+4.82%) Land $421,632 Building $843,955 |
| 2023 | $4,445.00 (+0.02%) Homeowner's exemption | $356,866 (+3%) | $1,207,357 (+12.01%) Land $600,794 Building $606,563 |
| 2022 | $4,444.00 Homeowner's exemption | $346,472 | $1,077,888 Land $424,350 Building $653,538 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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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