23004 Lone Oak Dr, Estero, FL 33928 Property Records

Lee County property record for 23004 Lone Oak Dr, Estero, FL 33928

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,298 sqft · built 1999
Lot Size	0.105 acres (4,580 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jun 2020)
Tax Bill	$2,193 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`09-47-25-E1-23030.0102`

Property Details

APN / Parcel Number

Primary APN	`09-47-25-E1-23030.0102`
Alternative APNs	`250947E1230300102` `04472523000300102` `10449198`

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 1999
Effective Year Built	Effective 1999
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	10449198
Street Address	23004 LONE OAK DR
City	ESTERO
State	FL
Zip	33928-4334
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MARSH LANDING TOWNHOUSE CONDO IX DESC OR 3088 PG 2854 PH 30 BLDG 30 UNIT 102
Legal Range	25E
Legal Township	47S
Legal Section	09
Legal Subdivision	MARSH LANDING TOWNHOUSE CONDO
Legal Phase	30
Legal Tract	E1
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

23004 Lone Oak Dr, a condominium, is owned and occupied by an individual who bought it in June 2020.

Source: Lee County records, as of September 29, 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 File
Mailing Address	23004 LONE OAK DR, ESTERO, FL 33928-4334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
May 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jun 17, 2020	Warranty Deed, Transfer · Conventional Mortgage ENVOY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2020 · Amount on File
Deed Sale	Jun 17, 2020 · Amount on File
Prior Sale	Apr 2, 1999 · Amount on File
Deed Document Number	2020137884
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Recording Date	Sep 21, 2026
Property Address	23004 LONE OAK DR, ESTERO, FL 33928-4334
Document Number	0000244131
Instrument Date	Sep 8, 2026
Instrument	2026244131
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23004 LONE OAK DR, ESTERO, FL 33928-4334

Mortgage

Document Number	0000244131,
Date	Sep 21, 2026
Instrument	2026244131

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	23004 LONE OAK DR, ESTERO, FL 33928-4334
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23004 LONE OAK DR 102, 102, ESTERO, FL 33928-4334

Mortgage

Document Number	0000159173
Date	May 11, 2022
Instrument	2022000159173

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jun 17, 2020
Property Address	23004 LONE OAK DR, ESTERO, FL 33928-4334
Document Number	0000137884
Instrument Date	Jun 2, 2020
Instrument	137884
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NAT'L TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23004 LONE OAK DR #102 ESTERO FL 339284334, 102, ESTERO, FL 33928-4334

Mortgage

Document Number	137885
Date	Jun 17, 2020
Instrument	137885

Lender

Name	ENVOY MTG
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 23004 Lone Oak Dr was $2,193 with a homeowner's exemption.

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		$185,431 (+2.7%) Building $185,431	$236,869 (-21.4%) Building $236,869
2025	$2,193.00 Homeowner's exemption	$180,556 Building $180,556	$301,359 Building $301,359
2023	$2,019.00 (-3.03%) Homeowner's exemption	$170,356 (+3%)	$334,164 (+45.11%) Building $334,164
2022	$2,082.00 Homeowner's exemption	$165,394	$230,281 Building $230,281

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

Flood

FEMA maps place 23004 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 23004 Lone Oak Dr is low, with a 0.03% annual chance of 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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