20811 Rivers Ford, Estero, FL 33928 Property Records

Lee County property record for 20811 Rivers Ford, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,694 sqft · built 2001
Lot Size	0.165 acres (7,192 sqft)
Owner	Individual Name on File
Last Sale	$520,500 (Jan 2023)
Tax Bill	$4,335 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-46-25-E4-080H5.0390`

Property Details

APN / Parcel Number

Primary APN	`27-46-25-E4-080H5.0390`
Alternative APNs	`252746E4080H50390` `27462508000H50390` `10273501`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,694 sqft Living Area
Gross Area	2,541 sqft
1st Floor Area	1,546 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	7,192 sqft (0.165 acres)
View / Lot	Creek
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	327 sqft
Patio Area	148 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10273501
Street Address	20811 RIVERS FRD
City	ESTERO
State	FL
Zip	33928-2262
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	VILL AT CNTY CREEK UT 5 PB 57 PGS 30-35 BLK H5 LT 39
Legal Range	25E
Legal Township	46S
Legal Section	27
Legal Subdivision	VILL AT CNTY CREEK
Legal Tract	E4
Legal Block	1
Legal Lot Number	39
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	50210

Owner

Source: Lee County records · APN 27-46-25-E4-080H5.0390

Assessment roll updated April 13, 2026 · Last verified May 2026

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

Owner of Record	Individual Name on File
Mailing Address	20811 RIVERS FRD, ESTERO, FL 33928-2262
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 03, 2023 · Amount on Record
Deed Sale	Jan 03, 2023 · Amount on Record
Deed Document Number	20231578
Prior Transfer Date	Aug 22, 2005
Prior Transfer Doc	0000045056
Record Updated	Jun 08, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 03, 2023
Property Address	20811 RIVERS FRD, ESTERO, FL 33928-2262
Document Number	0000001578
Map Reference	MB 57 PG 30-35
Instrument Date	Dec 30, 2022
Instrument	2023000001578
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	HEIGHTS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,643.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7716 CALISTOBLE LOOP, FORT MYERS, FL 33907-8505

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20811 RIVERS FRD, ESTERO, FL 33928-2262

Mortgage

Document Number	0000001579
Date	Jan 03, 2023
Instrument	2023000001579

Lender

Name	RICHARD INCOGNITO
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lee County
Municipality	Estero Village
Unified School District	Lee County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,335.00 (-8.18%) Homeowner's exemption	$345,049 (-8.45%) Land $77,682 Building $267,367	$345,049 (-8.45%) Land $77,682 Building $267,367
2023	$4,721.00 (+74.4%) Homeowner's exemption	$376,880 (+77.18%) Land $93,265 Building $283,615	$376,880 (+21.33%) Land $93,265 Building $283,615
2022	$2,707.00 Homeowner's exemption	$212,707	$310,612 Land $87,598 Building $223,014

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 23, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 143 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	143 in force
Nearby Flood Claims	2 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Hotwire Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 411 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LEE COUNTY UTILITIES serves 282,556 people
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.