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20780 Charing Cross Cir, Estero, FL 33928 Property Records

Lee County property record for 20780 Charing Cross Cir, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 3,082 sqft · built 1983
Lot Size1.05 acres (45,738 sqft)
Owner2 Individual Names on Record
Tax Bill$3,584 (2025)
Deeds & MortgagesDec 2020 Mortgage
Flood ZoneZone AE (high risk)
APN29-46-25-E4-06000.0250

Property Details

APN / Parcel Number

Primary APN29-46-25-E4-06000.0250
Alternative APNs
  • 252946E4060000250
  • 29462506000000250
  • 10274459

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area3,082 sqft Living Area
Gross Area5,420 sqft
1st Floor Area1,824 sqft
Basement Area178 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1987
Architectural StyleRanch
Exterior MaterialWood
Roof TypeHip
Roof MaterialMetal
Lot Area45,738 sqft (1.05 acres)
Garage TypeCarport
Garage Area806 sqft
CarportCarport
Carport Area806 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool Area450 sqft
PorchSlab
Patio Area630 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10274459
Street Address20780 CHARING CROSS CIR
CityESTERO
StateFL
Zip33928-2541
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-2
Legal DescriptionCRANBROOK HARBOR PB 32 PG 144 LOT 25
Legal Range25E
Legal Township46S
Legal Section29
Legal SubdivisionCRANBROOK HARBOUR
Legal TractE4
Legal Block2
Legal Lot Number25
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group2
Census Block2000
Census Tract50104

Owner

Source: Lee County records, as of April 28, 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 Record2 Individual Names on Record
Mailing Address20780 CHARING CROSS CIR, ESTERO, FL 33928-2541
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 28, 2015
Deed SaleJul 28, 2015
Prior SaleJun 19, 2013 · Amount on Record
Deed Document Number2015165140
Record UpdatedJun 8, 2026

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address20780 CHARING CROSS CIR, ESTERO, FL 33928-2541
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address20780 CHARING CROSS CIR, ESTERO, FL 33928-2541

Mortgage

Document Number0000312111
DateDec 14, 2020
Instrument2020000312111
Lender
NameSANIBEL CAPTIVA COMMUNITY BANK
TypeBank
AddressSANIBEL, FL 33957
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJan 1, 2036

Tax Assessment & Valuation

Source: Lee County assessment roll, as of April 13, 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
2025$3,584.00 (+42.28%) Homeowner's exemption$288,704 (+37.71%)$585,423 (+179.24%) Land $194,793 Building $390,630
2023$2,519.00 (-25.07%) Homeowner's exemption$209,648 (-20.73%) Land $209,638 Building $10$209,648 (-45.7%) Land $209,638 Building $10
2022$3,362.00 Homeowner's exemption$264,462$386,066 Land $148,071 Building $237,995

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 57 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies57 in force
Nearby Flood Claims35 (2005–2024)
Most Recent ClaimOct 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 RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.06% 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 353 locations within half a mile, as of December 31, 2025

ProviderMax 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

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