20821 Napa Loop, Estero, FL 33928 Property Records

Lee County property record for 20821 Napa Loop, Estero, FL 33928 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Lot Size	10,292 sqft (0.236 acres)
Occupancy	Owner Occupied
Last Sale	$918,200 (2025)
Tax Bill	$3,877.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`30-46-27-L3-0500B.1045`
Alternative APNs	`273046L30500B1045` `10618670`

Exterior

Lot Area	10,292 sqft (0.236 acres)

Location & Zoning

Account Number	10618670
Street Address	20821 NAPA LOOP
City	ESTERO
State	FL
Zip	33928-9808
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	VERDANA VILLAGE PHASE 2C/2D AS DESC IN 2023000039926 BLOCK B LOT 1045
Legal Subdivision	VERDANA VILLAGE
Legal Block	B
Legal Lot Number	1045
Jurisdiction	LEE FL
Minor Civil Division	BONITA SPRINGS
Census Blockgroup	1
Census Block	1003
Census Tract	50312

Owner

Source: Lee County records · APN 30-46-27-L3-0500B.1045

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

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

Owner of Record	2 Individual Names on File
Mailing Address	20821 NAPA LOOP, ESTERO, FL 33928-9808
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 12, 2025 · Amount on Record
Deed Sale	Mar 12, 2025 · Amount on Record
Prior Sale	Jul 10, 2024 · Amount on Record
Deed Doc Number	202565897
Record Refreshed	Jun 08, 2026

March 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 12, 2025
Property Address	20821 NAPA LOOP, ESTERO, FL 33928-9808
Document Number	0000065897
Map Reference	DOC 2023000039926
Instrument Date	Mar 07, 2025
Instrument	2025000065897
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 26, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,427.40
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24311 WALDEN CENTER DR # DR300, DR300, BONITA SPRINGS, FL 34134-4937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20821 NAPA LOOP, ESTERO, FL 33928-9808

Mortgage

Document Number	0000065898
Date	Mar 12, 2025
Instrument	2025000065898

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.15%
Type Change Date	Apr 01, 2035
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.1%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,877.00 (+41.5%)	$111,241 (+9.41%) Land $111,241	$111,241 (+9.41%) Land $111,241
2023	$2,740.00	$101,672 Land $101,672	$101,672 Land $101,672

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	About 1 in 168 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.