22902 Lone Oak Dr, Estero, FL 33928 Property Records

Lee County property record for 22902 Lone Oak Dr, Estero, FL 33928

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,298 sqft · built 1998
Lot Size	0.105 acres (4,580 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Nov 2023)
Tax Bill	$4,396 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Aug 2023 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`04-47-25-E4-23010.0101`

Property Details

APN / Parcel Number

Primary APN	`04-47-25-E4-23010.0101`
Alternative APNs	`250447E4230100101` `04472523000100101` `10445831`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,298 sqft Living Area
1st Floor Area	1,298 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Lot Area	4,580 sqft (0.105 acres)
View / Lot	Corner
Garage Type	Attached
Garage Area	256 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	182 sqft

Location & Zoning

Account Number	10445831
Street Address	22902 LONE OAK DR
City	ESTERO
State	FL
Zip	33928-4328
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MARSH LANDING TOWNHOUSE CONDO III OR 3012 PG 1151 PH 10 BLDG 10 UNIT 101
Legal Range	25E
Legal Township	47S
Legal Section	04
Legal Subdivision	MARSH LANDING TOWNHOUSE CONDO
Legal Phase	10
Legal Tract	23
Legal Block	2
Legal Lot Number	101
Legal Unit	101
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2005
Census Tract	50320

Owner

Source: Lee County records, as of July 29, 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 Record
Mailing Address	117 SAINT MICHELLE ST, WORTHINGTON, OH 43085-2233
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Aug 16, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 5, 2022	Warranty Deed, Transfer RIDGE TITLE AGENCY LLC, IDEAL TITLE AGENCY LLC
Feb 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2023 · Amount on Record
Deed Sale	Nov 27, 2023 · Amount on Record
Prior Sale	Apr 5, 2022 · Amount on Record
Deed Document Number	2023373766
Prior Transfer Date	Feb 14, 2020
Prior Transfer Doc	0000051819
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Nov 27, 2023
Property Address	22902 LONE OAK DR, ESTERO, FL 33928-4328
Document Number	0000373766
Map Reference	MB 3051 PG 4044
Instrument Date	Nov 24, 2023
Instrument	2023000373766
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 WATERMAN DR, NEW GLOUCESTER, ME 04260-3061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 SAINT MICHELLE ST, WORTHINGTON, OH 43085-2233

Mortgage

Document Number	0000373767
Date	Nov 27, 2023
Instrument	2023000373767

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	22902 LONE OAK DR, ESTERO, FL 33928-4328
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22902 LONE OAK DR, ESTERO, FL 33928-4328

Mortgage

Document Number	0000274372
Date	Aug 16, 2023
Instrument	2023000274372

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 27, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 5, 2022
Property Address	22902 LONE OAK DR, ESTERO, FL 33928-4328
Document Number	0000114387
Map Reference	MB 3012 PG 1151-1203
Instrument Date	Apr 1, 2022
Instrument	2022000114387
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	RIDGE TITLE AGENCY LLC, IDEAL TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$2,526.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3110 SEASONS WAY UNIT 210, 3110, ESTERO, FL 33928-2363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2686 LONGRIDGE DR, CARSON CITY, NV 89706-5305

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEE FL
Recording Date	Feb 27, 2020
Property Address	22902 LONE OAK DR, ESTERO, FL 33928-4328
Document Number	0000051820
Instrument Date	Feb 25, 2020
Instrument	51820
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22902 LONE OAK DR ESTERO FL 339284328, ESTERO, FL 33928-4328

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEE FL
Recording Date	Feb 27, 2020
Property Address	22902 LONE OAK DR, ESTERO, FL 33928-4328
Document Number	0000051819
Instrument Date	Feb 14, 2020
Instrument	51819
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22902 LONE OAK DR ESTERO FL 339284328, ESTERO, FL 33928-4328

Tax Assessment & Valuation

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		$244,913 (-20.87%) Building $244,913	$244,913 (-20.87%) Building $244,913
2025	$4,396.00 (+7.93%)	$309,515 (-6.86%) Building $309,515	$309,515 (-6.86%) Building $309,515
2023	$4,073.00 (+98.2%) Homeowner's exemption	$332,306 (+103.47%) Building $332,306	$332,306 (+46.15%) Building $332,306
2022	$2,055.00 Homeowner's exemption	$163,319	$227,369 Building $227,369

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 105 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	221 units insured incl. 116 condo units
Nearby Flood Claims	3 (2017–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber	40,000 / 40,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Hotwire Communications, T-Mobile, Verizon.

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