21203 Terni Ct, Estero, FL 33928 Property Records

Lee County property record for 21203 Terni Ct, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,794 sqft · built 2007
Lot Size	0.365 acres (15,899 sqft)
Owner	Individual Name on File
Last Sale	$830,000 (Dec 2022)
Tax Bill	$9,915 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-46-26-E2-0100D.0270`

Property Details

APN / Parcel Number

Primary APN	`32-46-26-E2-0100D.0270`
Alternative APNs	`263246E20100D0270` `324626010000D0270` `10531619`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,794 sqft Living Area
Gross Area	6,148 sqft
1st Floor Area	1,591 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	15,899 sqft (0.365 acres)
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Patio Area	802 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	10531619
Street Address	21203 TERNI CT
City	ESTERO
State	FL
Zip	33928-6416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	BELLA TERRA UNIT 9 AS DESC INST 2006-315370 BLK D LOT 27
Legal Range	26E
Legal Township	46S
Legal Section	32
Legal Subdivision	BELLA TERRA
Legal Tract	E2
Legal Block	D
Legal Lot Number	27
Legal Unit	9
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	5
Census Block	5003
Census Tract	50311

Owner

Source: Lee County records · APN 32-46-26-E2-0100D.0270

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	Individual Name on File
Mailing Address	21203 TERNI CT, ESTERO, FL 33928-6416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 13, 2022 · Amount on Record
Deed Sale	Dec 13, 2022 · Amount on Record
Prior Sale	Oct 20, 2011 · Amount on Record
Deed Document Number	2022378701
Record Updated	Jun 08, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Dec 13, 2022
Property Address	21203 TERNI CT, ESTERO, FL 33928-6416
Document Number	0000378701
Map Reference	DOC 2006000315370
Instrument Date	Dec 06, 2022
Instrument	2022000378701
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	FLORIDA UNIVERSAL TITLE, FLORIDA UNIVERSAL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2233 SW 12TH PL, CAPE CORAL, FL 33991-3618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21203 TERNI CT, ESTERO, FL 33928-6416

Mortgage

Document Number	0000378702
Date	Dec 13, 2022
Instrument	2022000378702

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2052

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,915.00 (+8.28%)	$649,321 (+9.56%) Land $139,294 Building $510,027	$649,321 (+9.56%) Land $139,294 Building $510,027
2023	$9,157.00 (+78.95%)	$592,647 (+89.65%) Land $188,221 Building $404,426	$592,647 (+24.43%) Land $188,221 Building $404,426
2022	$5,117.00 Homeowner's exemption	$312,493	$476,301 Land $99,185 Building $377,116

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 23, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 88 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	88 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

Wildfire

Wildfire Risk	High above 81% of the US · above 72% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	2,500 / 2,500
Lumen Technologies Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35

Based on FCC filings for 237 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LEE COUNTY UTILITIES serves 282,556 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.