22793 Caroline Dr, Estero, FL 33928 Property Records

Lee County property record for 22793 Caroline Dr, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,930 sqft · built 1990
Lot Size	0.283 acres (12,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Jan 2024)
Tax Bill	$3,420 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-47-25-E4-04000.0120`

Property Details

APN / Parcel Number

Primary APN	`04-47-25-E4-04000.0120`
Alternative APNs	`250447E4040000120` `10276903`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,930 sqft Living Area
Gross Area	2,486 sqft
1st Floor Area	1,698 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	12,332 sqft (0.283 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	36 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	10276903
Street Address	22793 CAROLINE DR
City	ESTERO
State	FL
Zip	33928-2380
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-2
Legal Description	FOUNTAIN LAKES TR H PB 43 PG 30 LOT 12
Legal Range	25E
Legal Township	47S
Legal Section	04
Legal Subdivision	FOUNTAIN LAKES
Legal Tract	H
Legal Block	3
Legal Lot Number	12
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	3
Census Block	3011
Census Tract	50320

Owner

Source: Lee County records, as of June 2, 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	22793 CAROLINE DR, ESTERO, FL 33928-2380
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jan 17, 2024	Warranty Deed, Transfer · Conventional Mortgage THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2024 · Amount on Record
Deed Sale	Jan 17, 2024 · Amount on Record
Prior Sale	Nov 10, 2008 · Amount on Record
Deed Document Number	202414808
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	22793 CAROLINE DR, ESTERO, FL 33928-2380
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22793 CAROLINE DR, ESTERO, FL 33928-2380

Mortgage

Document Number	0000329272
Date	Dec 12, 2025
Instrument	2025000329272

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 17, 2024
Property Address	22793 CAROLINE DR, ESTERO, FL 33928-2380
Document Number	0000014808
Map Reference	MB 43 PG 29
Instrument Date	Jan 16, 2024
Instrument	2024000014808
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	NOT AVAILABLE, ROSS TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22793 CAROLINE DR, ESTERO, FL 33928-2380

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22793 CAROLINE DR, ESTERO, FL 33928-2380

Mortgage

Document Number	0000014809
Date	Jan 17, 2024
Instrument	2024000014809

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.49%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	5.49%
Max Rate At Change	9.49%
Index	Other
Max Rate	13.4%

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	$3,420.00 (+69.47%) Homeowner's exemption	$274,756 (+61.37%)	$363,862 (-12.5%) Land $125,970 Building $237,892
2023	$2,018.00 (-3.03%) Homeowner's exemption	$170,263 (+3%)	$415,862 (+35.46%) Land $220,689 Building $195,173
2022	$2,081.00 Homeowner's exemption	$165,304	$307,008 Land $104,790 Building $202,218

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.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	70 in force
Nearby Flood Claims	2 (2015–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2025 · other causes

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	Moderate above 47% of the US · lower than 82% 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	BONITA SPRINGS UTILITIES serves 76,033 people · EPA ID FL5360025
Water Source	Groundwater
Last State Inspection	May 2023
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Summit Broadband, Verizon.

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