20940 Andiron Pl, Estero, FL 33928 Property Records

Lee County property record for 20940 Andiron Pl, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,904 sqft · built 1988
Lot Size	0.182 acres (7,932 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (May 2025)
Tax Bill	$4,709 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Dec 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-46-25-E2-0600D.0470`

Property Details

APN / Parcel Number

Primary APN	`34-46-25-E2-0600D.0470`
Alternative APNs	`253446E20600D0470` `344625060000D0470` `10275839`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,904 sqft Living Area
Gross Area	2,825 sqft
1st Floor Area	1,855 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	7,932 sqft (0.182 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	529 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	10275839
Street Address	20940 ANDIRON PL
City	ESTERO
State	FL
Zip	33928-2279
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	VILLAGES AT COUNTRY CREEK U-2 REPLAT BLK D PB40 PG60 LOT 47
Legal Range	25E
Legal Township	46S
Legal Section	34
Legal Subdivision	VILLAGES AT COUNTRY CREEK
Legal Tract	E2
Legal Block	D
Legal Lot Number	47
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1007
Census Tract	50210

Owner

20940 Andiron Pl is owned and occupied by an individual who bought it in May 2025.

Source: Lee County records, as of July 29, 2026

Owner of Record	Individual Name on File
Mailing Address	20940 ANDIRON PL, ESTERO, FL 33928-2279
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Dec 28, 2021	Special Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Jan 5, 2021	Warranty Deed, Transfer LEGACY TITLE
Feb 11, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2025 · Amount on File
Deed Sale	May 6, 2025 · Amount on File
Prior Sale	Jan 5, 2021 · Amount on File
Deed Document Number	2025122111
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20940 ANDIRON PL, ESTERO, FL 33928-2279
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20940 ANDIRON PL, ESTERO, FL 33928-2279

Mortgage

Document Number	0000318101
Date	Oct 20, 2022
Instrument	2022000318101

Lender

Name	COGENT BANK
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE FL
Recording Date	Dec 28, 2021
Property Address	20940 ANDIRON PL, ESTERO, FL 33928-2279
Document Number	0000424302
Map Reference	MB 40 PG 53-66
Instrument Date	Dec 25, 2021
Instrument	2021000424302
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7001 GREEN ACRE LN, 7001, FORT MYERS, FL 33912-4120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20940 ANDIRON PL, ESTERO, FL 33928-2279

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 5, 2021
Property Address	20940 ANDIRON PL, ESTERO, FL 33928-2279
Document Number	0000003431
Instrument Date	Dec 31, 2020
Instrument	3431
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	LEGACY TITLE

Transaction

Amount	Amount on Record
Tax	$2,293.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7001 GREEN ACRE LN FORT MYERS FL 339124120, FORT MYERS, FL 33912-4120

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 11, 2020
Property Address	20940 ANDIRON PL, ESTERO, FL 33928-2279
Document Number	0000036454
Instrument Date	Feb 5, 2020
Instrument	36454
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,102.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	40 S BROAD ST #200 BREVARD NC 287123728, 200, BREVARD, NC 28712-3728

Tax Assessment & Valuation

The 2025 property tax bill for 20940 Andiron Pl was $4,709.

Source: Lee County assessment roll, as of July 29, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$354,490 (+6.29%) Land $73,256 Building $281,234	$354,490 (+6.29%) Land $73,256 Building $281,234
2025	$4,709.00	$333,502 Land $82,930 Building $250,572	$333,502 Land $82,930 Building $250,572
2023	$4,385.00 (+14.28%)	$335,126 (+25.06%) Land $106,896 Building $228,230	$335,126 (+25.06%) Land $106,896 Building $228,230
2022	$3,837.00	$267,981 Land $106,973 Building $161,008	$267,981 Land $106,973 Building $161,008

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20940 Andiron Pl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Irma, Sep 2017 · 2 claims

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.

Wildfire

Wildfire risk around 20940 Andiron Pl is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Hotwire Communications.

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