21572 Baccarat Ln, Unit 104, Estero, FL 33928 Property Records

Lee County property record for 21572 Baccarat Ln, Unit 104, Estero, FL 33928

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,917 sqft · built 2006
Lot Size	0.319 acres (13,878 sqft)
Owner	2 Individual Names on File
Last Sale	$258,500 (Aug 2020)
Tax Bill	$2,759 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-46-25-E4-27004.0104`

Property Details

APN / Parcel Number

Primary APN	`33-46-25-E4-27004.0104`
Alternative APNs	`253346E4270040104` `10534132`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,917 sqft Living Area
1st Floor Area	1,917 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Lot Area	13,878 sqft (0.319 acres)
View / Lot	Corner
Garage Type	Attached
Garage Area	383 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	288 sqft

Location & Zoning

Account Number	10534132
Street Address	21572 BACCARAT LN, 104
City	ESTERO
State	FL
Zip	33928-9105
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	MPD
Legal Description	MEADOWS OF ESTERO DESC IN INST#2006-371183 PH 4 BLDG 4 UNIT 104
Legal Range	25E
Legal Township	46S
Legal Section	33
Legal Subdivision	ESTERO
Legal Phase	4
Legal Tract	E4
Legal Block	1
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1006
Census Tract	50320

Owner

21572 Baccarat Ln, Unit 104 is owned and occupied by two individuals who bought it in August 2020.

Source: Lee County records, as of July 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21572 BACCARAT LN, 104, ESTERO, FL 33928-9105
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION
Aug 3, 2020	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MTG CORP
Apr 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020 · Amount on File
Deed Sale	Aug 3, 2020 · Amount on File
Prior Sale	Apr 26, 2018 · Amount on File
Deed Document Number	2020176616
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Recording Date	Jun 29, 2026
Property Address	21572 BACCARAT LN, 104, ESTERO, FL 33928-9105
Document Number	0000171967
Instrument Date	Jun 22, 2026
Instrument	2026171967
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21572 BACCARAT LN, 104, ESTERO, FL 33928-9105

Mortgage

Document Number	0000171967,
Date	Jun 29, 2026
Instrument	2026171967

Lender

Name	SUNCOAST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 3, 2020
Property Address	21572 BACCARAT LN UNIT 104, 104, ESTERO, FL 33928-9105
Document Number	0000176616
Instrument Date	Jul 31, 2020
Instrument	176616
Transaction Type	Transfer
Record Updated	Aug 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,810.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21572 BACCARAT LN #104 ESTERO FL 339289105, 104, ESTERO, FL 33928-9105

Mortgage

Document Number	176617
Date	Aug 3, 2020
Instrument	176617

Lender

Name	SUMMIT MTG CORP
Address	NAPLES, FL 34109

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 26, 2018
Property Address	21572 BACCARAT LN UNIT 104, 104, ESTERO, FL 33928-9105
Document Number	0000099948
Instrument Date	Apr 16, 2018
Instrument	99948
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,820.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19204 LOVELAND CT MOKENA IL 604488244, MOKENA, IL 60448-8244

Tax Assessment & Valuation

The 2025 property tax bill for 21572 Baccarat Ln, Unit 104 was $2,759 with exemptions applied.

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		$240,567 (+4.94%) Building $240,567	$296,676 (-8.74%) Building $296,676
2025	$2,759.00 Homeowner's exemption Senior Citizen's exemption	$229,242 Building $229,242	$325,100 Building $325,100
2023	$2,760.00 (-3.77%) Homeowner's exemption	$221,010 (+3%)	$391,046 (+33.39%) Building $391,046
2022	$2,868.00 Homeowner's exemption	$214,573	$293,169 Building $293,169

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

Flood

FEMA maps place 21572 Baccarat Ln, Unit 104 in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 129 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	129 in force
Nearby Flood Claims	12 (2017–2023)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2023 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 5 claims Hurricane Ian, Sep 2022 · 4 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

Wildfire risk around 21572 Baccarat Ln, Unit 104 is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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