Lee County property record for 20804 Charing Cross Cir, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,150 sqft · built 1982 |
| Lot Size | 1.16 acres (50,965 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,225 (2025) |
| Deeds & Mortgages | Aug 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 29-46-25-E4-06000.0270 |
| Primary APN | 29-46-25-E4-06000.0270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,150 sqft Living Area |
| Gross Area | 4,656 sqft |
| 1st Floor Area | 1,920 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Lot Area | 50,965 sqft |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 738 sqft |
| Patio Area | 780 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10274461 |
|---|---|
| Street Address | 20804 CHARING CROSS CIR |
| City | ESTERO |
| State | FL |
| Zip | 33928-2543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-2 |
| Legal Description | CRANBROOK HARBOR PB 32 PG 144 LOT 27 |
| Legal Range | 25E |
| Legal Township | 46S |
| Legal Section | 29 |
| Legal Subdivision | CRANBROOK HARBOUR |
| Legal Tract | 6 |
| Legal Block | 2 |
| Legal Lot Number | 27 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 50104 |
20804 Charing Cross Cir is owned and occupied by an individual.
Source: Lee County records, as of July 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20804 CHARING CROSS CIR, ESTERO, FL 33928-2543 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20804 CHARING CROSS CIR, ESTERO, FL 33928-2543 |
| Document Number | 0000182116 |
| Instrument Date | Aug 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 20804 CHARING CROSS CIR ESTERO FL 339282543, ESTERO, FL 33928-2543 |
| Document Number | 0000182116 |
|---|---|
| Date | Aug 23, 2017 |
| Instrument | 182116 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 22, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 20804 Charing Cross Cir was $2,225 with a homeowner's exemption.
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 | $189,325 (+2.7%) | $540,627 (+12.02%) Land $199,507 Building $341,120 | |
| 2025 | $2,225.00 Homeowner's exemption | $184,348 | $482,626 Land $219,312 Building $263,314 |
| 2023 | $2,051.00 (-2.38%) Homeowner's exemption | $173,935 (+3%) | $632,863 (+59.29%) Land $233,596 Building $399,267 |
| 2022 | $2,101.00 Homeowner's exemption | $168,869 | $397,307 Land $164,993 Building $232,314 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20804 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 |
|
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 risk around 20804 Charing Cross Cir is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% 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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