20861 Rivers Ford, Estero, FL 33928 Property Records

Lee County property record for 20861 Rivers Ford, Estero, FL 33928 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,041 sqft · built 2000
Lot Size	0.189 acres (8,242 sqft)
Owner	2 Individual Names on File
Last Sale	$377,000 (Jul 2018)
Tax Bill	$4,771 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`27-46-25-E4-080H5.0340`

Property Details

APN / Parcel Number

Primary APN	`27-46-25-E4-080H5.0340`
Alternative APNs	`252746E4080H50340` `27462508000H50340` `10273496`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,041 sqft Living Area
Gross Area	3,795 sqft
1st Floor Area	2,073 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	8,242 sqft (0.189 acres)
View / Lot	Creek
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Porch Area	292 sqft
Patio Area	668 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	10273496
Street Address	20861 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 34
Legal Range	25E
Legal Township	46S
Legal Section	27
Legal Subdivision	VILL AT CNTY CREEK
Legal Tract	E4
Legal Block	1
Legal Lot Number	34
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-E4-080H5.0340

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	20861 RIVERS FRD, ESTERO, FL 33928-2262
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Feb 07, 2000
Deed Document Number	2018175601
Last Transfer Date	Aug 27, 2025
Transfer Doc	0000232339
Record Updated	Jun 08, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jul 20, 2018
Property Address	20861 RIVERS FRD, ESTERO, FL 33928-2262
Document Number	0000175601
Instrument Date	Jul 12, 2018
Instrument	175601
Transaction Type	Transfer
Record Updated	Aug 07, 2018
Title Company	HEIGHTS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,639.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20861 RIVERS FRD ESTERO FL 339282262, ESTERO, FL 33928-2262

Mortgage

Document Number	175602
Date	Jul 20, 2018
Instrument	175602

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 19, 2033

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	$4,771.00 (+6.9%) Homeowner's exemption	$378,529 (+5.99%)	$559,355 (+14.2%) Land $77,682 Building $481,673
2023	$4,463.00 (-0.27%) Homeowner's exemption	$357,147 (+3%)	$489,806 (+20.14%) Land $103,322 Building $386,484
2022	$4,475.00 Homeowner's exemption	$346,745	$407,696 Land $87,598 Building $320,098

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 X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 117 of 143 on primary residences
Nearby Flood Claims	2 (2017)
Most Recent Claim	Sep 2017, rainfall accumulation, Hurricane Irma
Flood Events	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.