23740 Eddystone Rd, #4103, Estero (Bonita Springs), FL 34135 Property Records

Lee County property record for 23740 Eddystone Rd, #4103, Estero, FL 34135

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,210 sqft · built 2000
Lot Size	0.147 acres (6,420 sqft)
Owner	2 Individuals on Record
Last Sale	$325,000 (Dec 2025)
Tax Bill	$4,693 (2025)
Deeds & Mortgages	May 2022 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-47-25-E3-16004.4103`

Property Details

APN / Parcel Number

Primary APN	`11-47-25-E3-16004.4103`
Alternative APNs	`251147E3160044103` `11472516000044103` `10456215`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,210 sqft Living Area
1st Floor Area	1,210 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Lot Area	6,420 sqft (0.147 acres)
View / Lot	Lake
Porch	Porch
Porch Area	142 sqft

Location & Zoning

Account Number	10456215
Street Address	23740 EDDYSTONE RD, 4103
City	ESTERO
State	FL
Zip	34135-1724
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LIGHTHOUSE BAY TWO CONDO DESC IN OR 3237 PG 2088 PH A BLDG 4 UNIT 4103
Legal Range	25E
Legal Township	47S
Legal Section	11
Legal Subdivision	LIGHTHOUSE BAY TWO
Legal Tract	E3
Legal Block	1
Legal Lot Number	4103
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1008
Census Tract	50315

Owner

Source: Lee County assessment roll, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	23740 EDDYSTONE RD, 4103, ESTERO, FL 34135-1724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Dec 22, 2025	Warranty Deed, Transfer · Conventional Mortgage RCB BANK
Feb 6, 2019	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Prior Sale	Feb 6, 2019 · Amount on Record
Deed Document Number	2025336885
Prior Transfer Date	Apr 16, 2010
Prior Transfer Doc	0000096614
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	23740 EDDYSTONE RD # 4103, 4103, ESTERO, FL 34135-1724
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23740 EDDYSTONE RD 4103, 4103, ESTERO, FL 34135-1724

Mortgage

Document Number	0000178960
Date	May 27, 2022
Instrument	2022000178960

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Dec 22, 2025
Property Address	23740 EDDYSTONE RD # 4103, 4103, ESTERO, FL 34135-1724
Document Number	0000336885
Map Reference	MB 3237 PG 2088
Instrument Date	Dec 18, 2025
Instrument	2025000336885
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	TITLE GROUP SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10271 CAPE ROMAN RD, ESTERO, FL 34135-1711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 ISOBEL MCEWAN ST, AMPRIOR XX

Mortgage

Document Number	0000336886
Date	Dec 22, 2025
Instrument	2025000336886

Lender

Name	RCB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.2%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 6, 2019
Property Address	23740 EDDYSTONE RD # 4103, 4103, ESTERO, FL 34135-1724
Document Number	0000026798
Instrument Date	Jan 24, 2019
Instrument	26798
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	BONITA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,561.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2051 HIDDEN CREEK RD NEENAH WI 549568927, NEENAH, WI 54956-8927

Mortgage

Document Number	26799
Date	Feb 6, 2019
Instrument	26799

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2049

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	$4,693.00	$236,287 (-31.48%) Building $236,287	$280,041 (-18.79%) Building $280,041
2023	$4,693.00 (+34.32%)	$344,844 (+61.94%) Building $344,844	$344,844 (+61.94%) Building $344,844
2022	$3,494.00	$212,946 Building $212,946	$212,946 Building $212,946

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 X minimal risk
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 59 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	59 in force

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	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Blue Stream Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Summit Broadband.

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