Lee County property record for 20991 Rivers Ford, Estero, FL 33928 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,180 sqft · built 2000 |
| Lot Size | 0.341 acres (14,854 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $499,000 (Apr 2026) |
| Tax Bill | $4,604 (2025) |
| Deeds & Mortgages | Aug 2025 Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 27-46-25-E4-080H5.0210 |
| Primary APN | 27-46-25-E4-080H5.0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,180 sqft Living Area |
| Gross Area | 3,942 sqft |
| 1st Floor Area | 2,195 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Asphalt |
| Lot Area | 14,854 sqft (0.341 acres) |
| View / Lot | Creek |
| Garage Type | Attached |
| Garage Area | 469 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 308 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 293 sqft |
| Patio Area | 677 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10273483 |
|---|---|
| Street Address | 20991 RIVERS FRD |
| City | ESTERO |
| State | FL |
| Zip | 33928-2264 |
| 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 21 |
| Legal Range | 25E |
| Legal Township | 46S |
| Legal Section | 27 |
| Legal Subdivision | VILL AT CNTY CREEK |
| Legal Tract | E4 |
| Legal Block | H5 |
| Legal Lot Number | 21 |
| Jurisdiction | LEE FL |
| Township / Civil Division | BONITA SPRINGS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 50210 |
Source: Lee County records · APN 27-46-25-E4-080H5.0210
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 Company Names on File |
|---|---|
| Mailing Address | 20991 RIVERS FRD, ESTERO, FL 33928-2264 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Aug 04, 2025 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP |
| Apr 07, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 07, 2026 · Amount on Record |
| Deed Sale | Apr 07, 2026 · Amount on Record |
| Prior Sale | Apr 15, 2015 |
| Deed Document Number | 202688475 |
| Prior Transfer Date | Aug 22, 2024 |
| Prior Transfer Doc | 0000251613 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 20991 RIVERS FRD, ESTERO, FL 33928-2264 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000209177 |
|---|---|
| Date | Aug 04, 2025 |
| Instrument | 2025000209177 |
| Name | AMERICAN PORTFOLIO MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PALATINE, IL 60067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 01, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Apr 07, 2026 |
| Property Address | 20991 RIVERS FRD, ESTERO, FL 33928-2264 |
| Document Number | 0000088475 |
| Instrument Date | Apr 02, 2026 |
| Instrument | 202688475 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | HEIGHTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $352,793.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 20991 RIVERS FRD, ESTERO, FL 33928-2264 |
| Document Number | 0000088477, |
|---|---|
| Date | Apr 07, 2026 |
| Instrument | 202688477 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Municipality | Estero Village |
| Unified School District | Lee County School District (PK - 12) |
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 | $4,604.00 (+6.97%) Homeowner's exemption | $365,656 (+5.99%) | $581,864 (+16.31%) Land $91,425 Building $490,439 |
| 2023 | $4,304.00 (-0.35%) Homeowner's exemption | $345,001 (+3%) | $500,287 (+15.1%) Land $184,112 Building $316,175 |
| 2022 | $4,319.00 Homeowner's exemption | $334,952 | $434,664 Land $87,598 Building $347,066 |
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
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| 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 |
| Nearby Flood Claims | 2 (2017) |
| Most Recent Claim | Sep 2017, rainfall accumulation, Hurricane Irma |
| Claims By Storm |
|
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 411 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Hotwire Communications | Fiber | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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