22981 White Oak Ln, Estero, FL 33928 Property Records

Lee County property record for 22981 White Oak Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,202 sqft · built 1997
Lot Size	0.228 acres (9,936 sqft)
Owner	Individual Name on Record
Last Sale	$589,000 (Jan 2022)
Tax Bill	$6,071 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-47-25-E4-2200B.0120`

Property Details

APN / Parcel Number

Primary APN	`04-47-25-E4-2200B.0120`
Alternative APNs	`250447E42200B0120` `044725220000B0120` `10277262`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,202 sqft Living Area
Gross Area	4,312 sqft
1st Floor Area	1,390 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	9,936 sqft (0.228 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	584 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	349 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	10277262
Street Address	22981 WHITE OAK LN
City	ESTERO
State	FL
Zip	33928-4379
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	MARSH LANDING PB 58 PGS 42 THRU 49 BLK B LOT 12
Legal Range	25E
Legal Township	47S
Legal Section	04
Legal Subdivision	MARSH LANDING
Legal Tract	E4
Legal Block	B
Legal Lot Number	12
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2002
Census Tract	50320

Owner

Source: Lee County records, as of April 28, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	22981 WHITE OAK LN, ESTERO, FL 33928-4379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Warranty Deed, Transfer · Conventional Mortgage LAKEVIEW MORTGAGE BANKERS CORP
May 5, 2021	Warranty Deed, Transfer · FHA Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2022 · Amount on Record
Deed Sale	Jan 11, 2022 · Amount on Record
Prior Sale	May 5, 2021 · Amount on Record
Deed Document Number	202211210
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 11, 2022
Property Address	22981 WHITE OAK LN, ESTERO, FL 33928-4379
Document Number	0000011210
Map Reference	MB 58 PG 42
Instrument Date	Jan 7, 2022
Instrument	2022000011210
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,123.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22981 WHITE OAK LN, 22981, ESTERO, FL 33928-4379

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22981 WHITE OAK LN, ESTERO, FL 33928-4379

Mortgage

Document Number	0000011211
Date	Jan 11, 2022
Instrument	2022000011211

Lender

Name	LAKEVIEW MORTGAGE BANKERS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 5, 2021
Property Address	22981 WHITE OAK LN, ESTERO, FL 33928-4379
Document Number	0000146506
Map Reference	MB 58 PG 42-49
Instrument Date	Apr 30, 2021
Instrument	2021000146506
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5219 CEDARBEND DR APT 1, 5219, FORT MYERS, FL 33919-7599

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22981 WHITE OAK LN, ESTERO, FL 33928-4379

Mortgage

Document Number	0000146507
Date	May 5, 2021
Instrument	2021000146507

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

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	$6,071.00 (+6.58%) Homeowner's exemption	$478,376 (+5.99%)	$525,999 (+16.54%) Land $130,055 Building $395,944
2023	$5,696.00 (+8.08%) Homeowner's exemption	$451,353 (+19.86%) Land $202,870 Building $248,483	$451,353 (+19.86%) Land $202,870 Building $248,483
2022	$5,270.00	$376,563 Land $83,535 Building $293,028	$376,563 Land $83,535 Building $293,028

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 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 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	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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