21828 Masters Cir, Estero, FL 33928 Property Records

Lee County property record for 21828 Masters Cir, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,053 sqft · built 2001
Lot Size	0.213 acres (9,278 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Nov 2015)
Tax Bill	$8,606 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-46-25-E4-1700A.0330`

Property Details

APN / Parcel Number

Primary APN	`33-46-25-E4-1700A.0330`
Alternative APNs	`253346E41700A0330` `334625170000A0330` `10456995`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,053 sqft Living Area
Gross Area	4,124 sqft
1st Floor Area	2,406 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	9,278 sqft (0.213 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Slab
Porch Area	358 sqft
Patio Area	255 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10456995
Street Address	21828 MASTERS CIR
City	ESTERO
State	FL
Zip	33928-6947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	MASTERS AT PELICAN SOUND PB 66 PGS 71-76 BLK A LOT 33
Legal Range	25E
Legal Township	46S
Legal Section	33
Legal Subdivision	PELICAN SOUND
Legal Tract	17
Legal Block	A
Legal Lot Number	33
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	4
Census Block	4004
Census Tract	50320

Owner

Source: Lee County records, as of April 28, 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	21828 MASTERS CIR, ESTERO, FL 33928-6947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 12, 2019	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2015 · Amount on Record
Deed Sale	Nov 2, 2015 · Amount on Record
Prior Sale	Sep 18, 2013 · Amount on Record
Deed Document Number	2015236569
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	21828 MASTERS CIR, ESTERO, FL 33928-6947
Transaction Type	Mortgage
Record Updated	Feb 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21828 MASTERS CIR, ESTERO, FL 33928-6947

Mortgage

Document Number	0000039024
Date	Feb 3, 2022
Instrument	2022000039024

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	1.87%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.87%
Index	Other
Max Rate	6.87%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	21828 MASTERS CIR, ESTERO, FL 33928-6947
Document Number	0000204862
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 21, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21828 MASTERS CIR ESTERO FL 339286947, ESTERO, FL 33928-6947

Mortgage

Document Number	0000204862
Date	Sep 4, 2019
Instrument	204862

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Lee County assessment roll, as of April 13, 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
2025	$8,606.00 (+8.05%) Homeowner's exemption	$580,172 (+5.99%)	$757,607 (-13.92%) Land $169,575 Building $588,032
2023	$7,965.00 (+0.52%) Homeowner's exemption	$547,399 (+3%)	$880,085 (+29.05%) Land $180,619 Building $699,466
2022	$7,924.00 Homeowner's exemption	$531,455	$681,996 Land $140,835 Building $541,161

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 121 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	337 units insured incl. 216 condo units
Nearby Flood Claims	39 (2022)
Claims Outside the SFHA	5 of 39
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 21 claims Hurricane Ian, Sep 2022 · 18 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

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 264 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
AT&T Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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