Lee County property record for 20860 Rivers Ford, Estero, FL 33928
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,710 sqft · built 1999 |
| Lot Size | 0.161 acres (7,013 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $392,000 (Sep 2025) |
| Tax Bill | $5,264 (2025) |
| Deeds & Mortgages | Sep 2025 Sale Dec 2019 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 27-46-25-E4-080H5.0060 |
| Primary APN | 27-46-25-E4-080H5.0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,710 sqft Living Area |
| Gross Area | 2,670 sqft |
| 1st Floor Area | 1,684 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Lot Area | 7,013 sqft (0.161 acres) |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 436 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 550 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10273468 |
|---|---|
| Street Address | 20860 RIVERS FRD |
| City | ESTERO |
| State | FL |
| Zip | 33928-2261 |
| 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 6 |
| Legal Range | 25E |
| Legal Township | 46S |
| Legal Section | 27 |
| Legal Subdivision | VILL AT CNTY CREEK |
| Legal Tract | E4 |
| Legal Block | H5 |
| Legal Lot Number | 6 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 50210 |
Source: Lee County records, as of July 29, 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 Record |
|---|---|
| Mailing Address | 2610 SW WINTERVALLEY CIR, LEES SUMMIT, MO 64081-2590 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 22, 2025 | Warranty Deed, Transfer HEIGHTS TITLE SERVICES LLC |
| Dec 9, 2019 | Deed of Trust, Mortgage · Line of Credit TRUIST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2025 · Amount on Record |
| Deed Sale | Sep 22, 2025 · Amount on Record |
| Prior Sale | Aug 5, 2005 · Amount on Record |
| Deed Document Number | 2025253992 |
| Prior Transfer Date | Feb 28, 2008 |
| Prior Transfer Doc | 0000053435 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Sep 22, 2025 |
| Property Address | 20860 RIVERS FRD, ESTERO, FL 33928-2261 |
| Document Number | 0000253992 |
| Map Reference | MB 57 PG 30-35 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2025000253992 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | HEIGHTS TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,744.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 YOSEMITE CIR, BOHEMIA, NY 11716-4119 |
| Name | Verified Name |
|---|---|
| Address | 2610 SW WINTERVALLEY CIR, LEES SUMMIT, MO 64081-2590 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20860 RIVERS FRD, ESTERO, FL 33928-2261 |
| Document Number | 0000001234 |
| Instrument Date | Dec 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2020 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 20860 RIVERS FRD ESTERO FL 339282261, ESTERO, FL 33928-2261 |
| Document Number | 0000001234 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 1234 |
| Name | TRUIST BK |
|---|---|
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
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 | $333,101 (-11.44%) Land $72,417 Building $260,684 | $333,101 (-11.44%) Land $72,417 Building $260,684 | |
| 2025 | $5,264.00 (+99.17%) | $376,143 (+72.67%) Land $87,129 Building $289,014 | $376,143 (-3.46%) Land $87,129 Building $289,014 |
| 2024 | $2,643.00 (+3.36%) Homeowner's exemption | $217,834 (+3%) | $389,633 (+6.46%) Land $103,443 Building $286,190 |
| 2023 | $2,557.00 (-1.99%) Homeowner's exemption | $211,489 (+3%) | $365,994 (+24.31%) Land $98,746 Building $267,248 |
| 2022 | $2,609.00 Homeowner's exemption | $205,329 | $294,422 Land $89,839 Building $204,583 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LEE COUNTY UTILITIES serves 282,556 people · EPA ID FL5364048 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 411 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Hotwire Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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