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20781 Charing Cross Cir, Estero, FL 33928 Property Records

Lee County property record for 20781 Charing Cross Cir, Estero, FL 33928

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,512 sqft · built 1985
Lot Size1.01 acres (43,996 sqft)
OwnerIndividual Name on File
Last Sale$383,000 (Sep 2024)
Tax Bill$6,185 (2025)
Deeds & MortgagesNov 2025 Mortgage
Flood ZoneZone AE (high risk)
APN29-46-25-E4-06000.0340

Property Details

APN / Parcel Number

Primary APN29-46-25-E4-06000.0340
Alternative APNs
  • 252946E4060000340
  • 29462506000000340
  • 10274468

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,512 sqft Living Area
Gross Area4,380 sqft
1st Floor Area1,520 sqft
Basement Area480 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1986
Architectural StyleRanch
Exterior MaterialWood
Roof TypeHip
Roof MaterialMetal
Lot Area43,996 sqft (1.01 acres)
Garage TypeAttached
Garage Area1,220 sqft
Parking Spaces4 Parking Spaces
PorchFlorida Room

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10274468
Street Address20781 CHARING CROSS CIR
CityESTERO
StateFL
Zip33928-2542
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-2
Legal DescriptionCRANBROOK HARBOR PB 32 PG 144 LOT 34
Legal Range25E
Legal Township46S
Legal Section29
Legal SubdivisionCRANBROOK HARBOUR
Legal TractE4
Legal Block2
Legal Lot Number34
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group2
Census Block2012
Census Tract50104

Owner

20781 Charing Cross Cir is owned and occupied by an individual who acquired it in November 2025.

Source: Lee County records, as of April 13, 2026

Owner of RecordIndividual Name on File
Mailing Address20781 CHARING CROSS CIR, ESTERO, FL 33928-2542
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 20, 2024 · Amount on File
Deed SaleSep 20, 2024 · Amount on File
Prior SaleSep 20, 2024 · Amount on File
Deed Document Number2024263797
Last Transfer DateNov 11, 2025
Transfer Doc0000307339
Record UpdatedSep 20, 2026

November 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLEE FL
Recording DateNov 19, 2025
Property Address20781 CHARING CROSS CIR, ESTERO, FL 33928-2542
Document Number0000307339
Map ReferenceMB 32 PG 143
Instrument DateNov 11, 2025
Instrument2025000307339
Transaction TypeTransfer
Record UpdatedDec 4, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address21639 PORTRUSH RUN, ESTERO, FL 33928-6221

Transferred To (Grantee/Buyer)

NameVerified Name
Address20781 CHARING CROSS CIR, ESTERO, FL 33928-2542
InvestorPossibly a Property Investor

Mortgage

Document Number0000307340
DateNov 19, 2025
Instrument2025000307340
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 20781 Charing Cross Cir was $6,185, down 7.2% from the year before.

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$6,185.00 (-7.23%)$448,244 (-8.22%) Land $192,869 Building $255,375$448,244 (-8.22%) Land $192,869 Building $255,375
2024$6,667.00 (+10.47%)$488,397 (-24.33%) Land $339,196 Building $149,201$488,397 (-24.33%) Land $339,196 Building $149,201
2023$6,035.00 (+49.2%)$645,434 (+105.8%) Land $201,652 Building $443,782$645,434 (+105.8%) Land $201,652 Building $443,782
2022$4,045.00$313,623 Land $142,430 Building $171,193$313,623 Land $142,430 Building $171,193

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

Flood

FEMA maps place 20781 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 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 File
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

Wildfire risk around 20781 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 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.

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