22964 Lone Oak Dr, Estero, FL 33928 Property Records

Lee County property record for 22964 Lone Oak Dr, Estero, FL 33928

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,298 sqft · built 1997
Lot Size	0.105 acres (4,580 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Mar 2022)
Tax Bill	$4,290 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`04-47-25-E4-23004.1020`

Property Details

APN / Parcel Number

Primary APN	`04-47-25-E4-23004.1020`
Alternative APNs	`250447E4230041020` `04472523000041020` `10438014`

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 1997
Effective Year Built	Effective 1997
Architectural Style	Condo/Apartment
Lot Area	4,580 sqft (0.105 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	256 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	182 sqft

Location & Zoning

Account Number	10438014
Street Address	22964 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 OR 2786 PG 1493 PH 4 BLDG 4 UNIT 102
Legal Range	25E
Legal Township	47S
Legal Section	04
Legal Subdivision	MARSH LANDING TOWNHOUSE CONDO
Legal Phase	4
Legal Tract	E4
Legal Block	2
Legal Lot Number	102
Legal Unit	102
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2005
Census Tract	50320

Owner

22964 Lone Oak Dr, a condominium, is owned by two individuals who bought it in March 2022.

Source: Lee County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9548 BENT GRASS RUN, CLARENCE CENTER, NY 14032-9180
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
Mar 30, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Mar 21, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2022 · Amount on File
Deed Sale	Mar 30, 2022 · Amount on File
Prior Sale	Mar 21, 2018 · Amount on File
Deed Document Number	2022104592
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 30, 2022
Property Address	22964 LONE OAK DR, ESTERO, FL 33928-4328
Document Number	0000104592
Map Reference	MB 2786 PG 1493
Instrument Date	Mar 25, 2022
Instrument	2022000104592
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 HILLSIDE PKWY, 47, LANCASTER, NY 14086-1064

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9548 BENT GRASS RUN, CLARENCE CENTER, NY 14032-9180

Mortgage

Document Number	0000104593
Date	Mar 30, 2022
Instrument	2022000104593

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 21, 2018
Property Address	22964 LONE OAK DR, ESTERO, FL 33928-4328
Document Number	0000066074
Instrument Date	Mar 7, 2018
Instrument	66074
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
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	22964 LONE OAK DR #102 ESTERO FL 339284328, 102, ESTERO, FL 33928-4328

Mortgage

Document Number	66075
Date	Mar 21, 2018
Instrument	66075

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	324 Months
Due	Mar 20, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 22964 Lone Oak Dr was $4,290.

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	$4,290.00	$301,359 Building $301,359	$301,359 Building $301,359
2023	$4,649.00 (+59.27%)	$331,759 (+44.69%) Building $331,759	$331,759 (+44.69%) Building $331,759
2022	$2,919.00	$229,297 Building $229,297	$229,297 Building $229,297

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

Flood

FEMA maps place 22964 Lone Oak Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 22964 Lone Oak Dr is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.06% 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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