20849 Thistle Leaf Ln, Estero, FL 33928 Property Records

Lee County property record for 20849 Thistle Leaf Ln, Estero, FL 33928 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.134 acres (5,823 sqft)
Owner	2 Individual Names on File
Last Sale	$790,500 (Jul 2024)
Tax Bill	$10,253 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-46-26-E3-08000.1810`

Property Details

APN / Parcel Number

Primary APN	`30-46-26-E3-08000.1810`
Alternative APNs	`263046E3080001810` `10620238`

Exterior

Lot Area	5,823 sqft (0.134 acres)

Location & Zoning

Account Number	10620238
Street Address	20849 THISTLE LEAF LN
City	ESTERO
State	FL
Zip	33928-4082
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERCREEK PHASE TWO LOT 181 AS DESC IN INST# 2023000122423
Legal Subdivision	RIVERCREEKPHASE
Legal Block	1
Legal Lot Number	181
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	4
Census Block	4005
Census Tract	50311

Owner

Source: Lee County records · APN 30-46-26-E3-08000.1810

Assessment roll updated July 29, 2026 · Last verified August 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	20849 THISTLE LEAF LN, ESTERO, FL 33928-4082
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 09, 2024 · Amount on Record
Deed Sale	Jul 09, 2024 · Amount on Record
Deed Document Number	2024193717
Record Updated	Sep 20, 2026

July 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jul 09, 2024
Property Address	20849 THISTLE LEAF LN, ESTERO, FL 33928-4082
Document Number	0000193717
Map Reference	DOC 2023000122423
Instrument Date	Jul 08, 2024
Instrument	2024000193717
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 26, 2025
Title Company	NOVA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,533.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 SAWGRASS CORPORATE PKWY STE 400, 400, SUNRISE, FL 33323-2890

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20849 THISTLE LEAF LN, ESTERO, FL 33928-4082

Mortgage

Document Number	0000193718
Date	Jul 09, 2024
Instrument	2024000193718

Lender

Name	ORIGINPOINT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.57%
Type Change Date	Aug 01, 2034
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.5%

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated July 29, 2026 · Last verified August 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
2026		$606,217 (-0.41%) Land $71,868 Building $534,349	$606,217 (-0.41%) Land $71,868 Building $534,349
2025	$10,253.00	$608,713 Land $79,135 Building $529,578	$608,713 Land $79,135 Building $529,578

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 120710503114, 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 X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 60 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	60 in force 49 of 60 on primary residences
Nearby Flood Claims	2 (2017–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2022, other causes, Hurricane Ian

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	About 1 in 478 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.