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20945 Thistle Leaf Ln, Estero, FL 33928 Property Records

Lee County property record for 20945 Thistle Leaf Ln, Estero, FL 33928 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Lot Size0.161 acres (7,020 sqft)
Owner2 Individual Names on File
Last Sale$1,038,200 (Jul 2024)
Tax Bill$10,530 (2025)
Deeds & MortgagesMar 2025 Mortgage
Jul 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN30-46-26-E3-08000.1650

Property Details

APN / Parcel Number

Primary APN30-46-26-E3-08000.1650
Alternative APNs
  • 263046E3080001650
  • 10620222

Exterior

Lot Area7,020 sqft (0.161 acres)
PorchPorch
Porch Area228 sqft

Location & Zoning

Account Number10620222
Street Address20945 THISTLE LEAF LN
CityESTERO
StateFL
Zip33928-4084
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIVERCREEK PHASE TWO LOT 165 AS DESC IN INST# 2023000122423
Legal SubdivisionRIVERCREEKPHASE
Legal Block1
Legal Lot Number165
JurisdictionLEE FL
Township / Civil DivisionBONITA SPRINGS
Census Block Group4
Census Block4005
Census Tract50311

Owner

Source: Lee County records · APN 30-46-26-E3-08000.1650

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 Record2 Individual Names on File
Mailing Address20945 THISTLE LEAF LN, ESTERO, FL 33928-4084
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2025Deed of Trust, Mortgage · Conventional Mortgage
THIRD FSLA OF CLEVELAND
Jul 02, 2024Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
GL FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 02, 2024 · Amount on Record
Deed SaleJul 02, 2024 · Amount on Record
Deed Document Number2024187772
Record UpdatedSep 20, 2026

March 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address20945 THISTLE LEAF LN, ESTERO, FL 33928-4084
Transaction TypeMortgage
Record UpdatedDec 26, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address20945 THISTLE LEAF LN, ESTERO, FL 33928-4084

Mortgage

Document Number0000067899
DateMar 13, 2025
Instrument2025000067899
Lender
NameTHIRD FSLA OF CLEVELAND
TypeBank
AddressCLEVELAND, OH 44105
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueMar 12, 2035

July 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionLEE FL
Recording DateJul 02, 2024
Property Address20945 THISTLE LEAF LN, ESTERO, FL 33928-4084
Document Number0000187772
Map ReferenceDOC 2023000122423
Instrument DateJun 27, 2024
Instrument2024000187772
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 26, 2025
Title CompanyNOVA TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$7,267.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1600 SAWGRASS CORPORATE PKWY STE 400, 400, SUNRISE, FL 33323-2890

Transferred To (Grantee/Buyer)

NameVerified Name
Address20945 THISTLE LEAF LN, ESTERO, FL 33928-4084

Mortgage

Document Number0000187773
DateJul 02, 2024
Instrument2024000187773
Lender
NameGL FINANCIAL SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2054

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated July 29, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
MunicipalityEstero Village
Unified School DistrictLee 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.

YearTax BillAssessed ValueAssessed Market Value
2026$771,975 (+15.2%)$787,771 (+17.55%) Land $77,617 Building $710,154
2025$10,530.00 Homeowner's exemption$670,144 Land $79,135 Building $591,009$670,144 Land $79,135 Building $591,009

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 60 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies60 in force
Nearby Flood Claims2 (2017–2022)
Claims Outside the SFHA2 of 2
Most Recent ClaimSep 2022, other causes, Hurricane Ian

Wildfire

Wildfire RiskHigh
above 77% of the US · above 65% of Florida
Wildfire LikelihoodAbout 1 in 348 per year
ExposureDirect
burnable vegetation at the parcel

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 90 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250

May also be available at this address: Xfinity, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

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