20831 Rivers Ford, Estero, FL 33928 Property Records

Lee County property record for 20831 Rivers Ford, Estero, FL 33928 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,747 sqft · built 2001
Lot Size	0.157 acres (6,852 sqft)
Owner	Company Name on File
Last Sale	$284,000 (Oct 2017)
Tax Bill	$5,845 (2025)
Deeds & Mortgages	Dec 2021 Transfer Mar 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`27-46-25-E4-080H5.0370`

Property Details

APN / Parcel Number

Primary APN	`27-46-25-E4-080H5.0370`
Alternative APNs	`252746E4080H50370` `10273499`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,747 sqft Living Area
Gross Area	3,343 sqft
1st Floor Area	1,763 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	6,852 sqft (0.157 acres)
View / Lot	Creek
Garage Type	Attached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Patio Area	620 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	10273499
Street Address	20831 RIVERS FRD
City	ESTERO
State	FL
Zip	33928-2262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILL AT CNTY CREEK UT 5 PB 57 PGS 30-35 BLK H5 LT 37
Legal Range	25E
Legal Township	46S
Legal Section	27
Legal Subdivision	VILL AT CNTY CREEK
Legal Tract	E4
Legal Block	H5
Legal Lot Number	37
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-E4-080H5.0370

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	Company Name on File
Mailing Address	20831 RIVERS FRD, ESTERO, FL 33928-2262
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Mar 22, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Oct 11, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 11, 2017 · Amount on Record
Deed Sale	Oct 11, 2017 · Amount on Record
Prior Sale	Oct 27, 2006 · Amount on Record
Deed Document Number	2017211551
Last Transfer Date	Dec 14, 2020
Transfer Doc	0000329250
Record Updated	Jun 08, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Dec 27, 2021
Property Address	20831 RIVERS FRD, ESTERO, FL 33928-2262
Document Number	0000423069
Map Reference	MB 57 PG 30-35
Instrument Date	Oct 29, 2021
Instrument	2021000423069
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	20831 RIVERS FRD, ESTERO, FL 33928-2262

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20831 RIVERS FRD, ESTERO, FL 33928-2262
Transaction Type	Mortgage
Record Updated	Oct 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089106
Date	Mar 22, 2021
Instrument	2021000089106

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Oct 11, 2017
Property Address	20831 RIVERS FRD, ESTERO, FL 33928-2262
Document Number	0000211551
Instrument Date	Oct 06, 2017
Instrument	211551
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	LEGACY TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,988.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20831 RIVERS FRD ESTERO FL 339282262, ESTERO, FL 33928-2262

Mortgage

Document Number	211552
Date	Oct 11, 2017
Instrument	211552

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2047

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
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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,845.00 (+71.16%)	$420,785 (+46.59%) Land $59,755 Building $361,030	$420,785 (+0.3%) Land $59,755 Building $361,030
2023	$3,415.00 (-2.57%) Homeowner's exemption Widower's exemption	$287,057 (+3%)	$419,507 (+20.19%) Land $84,980 Building $334,527
2022	$3,505.00 Homeowner's exemption Widower's exemption	$278,696	$349,033 Land $87,598 Building $261,435

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120710502101, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 143 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	143 in force
Nearby Flood Claims	2 (2017)
Most Recent Claim	Sep 2017, rainfall accumulation, Hurricane Irma
Claims By Storm	Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 411 locations within about half a mile of this property

Provider	Technology	Download / Upload (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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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