20953 Napa Loop, Estero, FL 33928 Property Records

Lee County property record for 20953 Napa Loop, Estero, FL 33928 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Lot Size	10,088 sqft (0.232 acres)
Occupancy	Owner Occupied
Last Sale	$712,800 (2023)
Tax Bill	$9,063.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`30-46-27-L4-0300C.1340`
Alternative APNs	`273046L40300C1340` `10604445`

Exterior

Lot Area	10,088 sqft (0.232 acres)

Location & Zoning

Account Number	10604445
Street Address	20953 NAPA LOOP
City	ESTERO
State	FL
Zip	33928-9690
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	VERDANA VILLAGE PHASE 1B BLOCK C LOT 134 A REPLAT OF TRACT F-2 AS DESC IN INST 2021000198492
Legal Range	27E
Legal Township	46S
Legal Section	30
Legal Subdivision	VERDANA VILLAGE
Legal Phase	1
Legal Tract	F-2
Legal Block	C
Legal Lot Number	134
Jurisdiction	LEE FL
Minor Civil Division	BONITA SPRINGS
Census Blockgroup	1
Census Block	1003
Census Tract	50312

Owner

Source: Lee County records · APN 30-46-27-L4-0300C.1340

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	20953 NAPA LOOP, ESTERO, FL 33928-9690
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
Dec 19, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SANIBEL CAPTIVA COMMUNITY BANK
Apr 17, 2023	Special Warranty Deed, Transfer LENNAR TITLE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 19, 2023 · Amount on Record
Deed Sale	Dec 19, 2023 · Amount on Record
Deed Doc Number	2023396002
Record Refreshed	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20953 NAPA LOOP, ESTERO, FL 33928-9690
Transaction Type	Mortgage
Record Updated	Nov 04, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20953 NAPA LOOP, ESTERO, FL 33928-9690

Mortgage

Document Number	0000279145
Date	Oct 17, 2025
Instrument	2025000279145

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company
Address	SAN MATEO, CA 94403

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 10, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

December 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE FL
Recording Date	Dec 19, 2023
Property Address	20953 NAPA LOOP, ESTERO, FL 33928-9690
Document Number	0000396002
Map Reference	DOC 2021000198492
Instrument Date	Nov 28, 2023
Instrument	2023000396002
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 09, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,989.60
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10481 BEN C PRATT/6 MILE CYPRESS PKWY, FORT MYERS, FL 33966-6460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20953 NAPA LOOP, ESTERO, FL 33928-9690

Mortgage

Document Number	0000396003
Date	Dec 19, 2023
Instrument	2023000396003

Lender

Name	SANIBEL CAPTIVA COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	1%
Type Change Date	Dec 01, 2026
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	10.2%
Index	52-Week T-Bill (1-Year)
Margin	1
Max Rate	13.2%

April 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 17, 2023
Property Address	20953 NAPA LOOP, ESTERO, FL 33928-9690
Document Number	0000135920
Map Reference	DOC 2021000198492
Instrument Date	Apr 03, 2023
Instrument	2023000135920
Transaction Type	Transfer
Record Updated	Apr 27, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Tax	$15,966.30
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21101 DESIGN PARC LN # 103, 103, ESTERO, FL 33928-6414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10481 BEN C PRATT/6 MILE CYPRESS PKWY, FORT MYERS, FL 33966-6460

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
Unified School District	Lee County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$527,652 (-4.5%) Land $92,249 Building $435,403	$527,652 (-4.5%) Land $92,249 Building $435,403
2025	$9,063.00 (+230.4%) Homeowner's exemption	$552,517 (+454.53%) Land $104,005 Building $448,512	$552,517 (+454.53%) Land $104,005 Building $448,512
2023	$2,743.00 (+4.61%)	$99,637 (+24.39%) Land $99,637	$99,637 (+24.39%) Land $99,637
2022	$2,622.00	$80,100 Land $80,100	$80,100 Land $80,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	About 1 in 178 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

20953 Napa Loop, Estero, FL 33928 Property Records

Property Highlights

Property Details

APN / Parcel Number

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2023: Special Warranty Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2023: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Napa Loop

Nearby Streets

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