20971 Andiron Pl, Estero, FL 33928 Property Records

Lee County property record for 20971 Andiron Pl, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,719 sqft · built 1988
Lot Size	0.238 acres (10,380 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,500 (Jul 2016)
Tax Bill	$3,408 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-46-25-E3-0200D.0410`

Property Details

APN / Parcel Number

Primary APN	`27-46-25-E3-0200D.0410`
Alternative APNs	`252746E30200D0410` `10272790`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,719 sqft Living Area
Gross Area	3,304 sqft
1st Floor Area	1,859 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	10,380 sqft (0.238 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Porch Area	144 sqft
Patio Area	468 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	10272790
Street Address	20971 ANDIRON PL
City	ESTERO
State	FL
Zip	33928-2278
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 PG53 THRU 66 LOT 41
Legal Range	25E
Legal Township	46S
Legal Section	27
Legal Subdivision	VILLAGES AT COUNTRY CREEK
Legal Tract	E3
Legal Block	D
Legal Lot Number	41
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1007
Census Tract	50210

Owner

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	20971 ANDIRON PL, ESTERO, FL 33928-2278
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2016 · Amount on Record
Deed Sale	Jul 29, 2016 · Amount on Record
Prior Sale	Nov 10, 2005 · Amount on Record
Deed Document Number	2016161742
Prior Transfer Date	Jun 7, 2004
Prior Transfer Doc	0006327096
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	20971 ANDIRON PL, ESTERO, FL 33928-2278
Document Number	0000236195
Instrument Date	Oct 31, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20971 ANDIRON PL ESTERO FL 339282278, ESTERO, FL 33928-2278

Mortgage

Document Number	0000236195
Date	Nov 13, 2017
Instrument	236195

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$281,264 (+2.7%)	$381,872 (-13.44%) Land $88,987 Building $292,885
2025	$3,408.00 (+7.47%) Homeowner's exemption	$273,870 (+5.99%)	$441,142 (+16.97%) Land $100,534 Building $340,608
2023	$3,171.00 (-1.21%) Homeowner's exemption	$258,400 (+3%)	$377,126 (+13.49%) Land $149,411 Building $227,715
2022	$3,210.00 Homeowner's exemption	$250,874	$332,308 Land $112,674 Building $219,634

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

Flood

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 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	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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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 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