22986 Lone Oak Dr, Estero, FL 33928 Property Records

Lee County property record for 22986 Lone Oak Dr, Estero, FL 33928

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,524 sqft · built 1997
Lot Size	0.105 acres (4,580 sqft)
Owner	2 Individual Names on File
Last Sale	$208,000 (Jan 2017)
Tax Bill	$4,284 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`09-47-25-E1-23002.2010`

Property Details

APN / Parcel Number

Primary APN	`09-47-25-E1-23002.2010`
Alternative APNs	`250947E1230022010` `04472523000022010` `10437104`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,524 sqft Living Area
1st Floor Area	1,524 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	Slab
Porch Area	182 sqft

Location & Zoning

Account Number	10437104
Street Address	22986 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 2 BLDG 2 UNIT 201
Legal Range	25E
Legal Township	47S
Legal Section	09
Legal Subdivision	MARSH LANDING TOWNHOUSE CONDO
Legal Phase	2
Legal Tract	E1
Legal Block	2
Legal Lot Number	201
Legal Unit	201
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	2
Census Block	2005
Census Tract	50320

Owner

22986 Lone Oak Dr, a condominium, is owned by two individuals who bought it in January 2017.

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	2 Individual Names on File
Mailing Address	914 FRANKLIN ST, COLUMBUS, IN 47201-6245
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Dec 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 13, 2017	Warranty Deed, Transfer MARKETPLACE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2017 · Amount on File
Deed Sale	Jan 13, 2017 · Amount on File
Prior Sale	Jan 13, 2003
Deed Document Number	201710229
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	22986 LONE OAK DR, ESTERO, FL 33928-4328
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 FRANKLIN ST, COLUMBUS, IN 47201-6245

Mortgage

Document Number	0000059819
Date	Feb 25, 2021
Instrument	2021000059819

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	22986 LONE OAK DR, ESTERO, FL 33928-4328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000295561
Date	Dec 19, 2018
Instrument	2018000295561

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 13, 2017
Property Address	22986 LONE OAK DR, ESTERO, FL 33928-4328
Document Number	0000010229
Instrument Date	Jan 12, 2017
Instrument	10229
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	MARKETPLACE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,456.00
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	914 FRANKLIN ST COLUMBUS IN 472016245, COLUMBUS, IN 47201-6245

Tax Assessment & Valuation

The 2025 property tax bill for 22986 Lone Oak Dr was $4,284.

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	$4,284.00	$260,102 Building $260,102	$359,984 Building $359,984
2023	$3,959.00 (+23.33%)	$369,322 (+44.99%) Building $369,322	$369,322 (+44.99%) Building $369,322
2022	$3,210.00	$254,715 Building $254,715	$254,715 Building $254,715

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

Flood

FEMA maps place 22986 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 22986 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.

Nearby Properties on Lone Oak Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures