9103 Estero River Cir, Estero, FL 33928 Property Records

Lee County property record for 9103 Estero River Cir, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,778 sqft · built 2005
Lot Size	0.152 acres (6,621 sqft)
Owner	2 Individual Names on File
Last Sale	$449,000 (May 2016)
Tax Bill	$4,100 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-46-25-E1-12000.0200`

Property Details

APN / Parcel Number

Primary APN	`34-46-25-E1-12000.0200`
Alternative APNs	`253446E1120000200` `10485740`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,778 sqft Living Area
Gross Area	5,627 sqft
1st Floor Area	1,584 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	6,621 sqft (0.152 acres)
Garage Type	Attached
Garage Area	643 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Patio Area	829 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	10485740
Street Address	9103 ESTERO RIVER CIR
City	ESTERO
State	FL
Zip	33928-4416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	ESTATES AT ESTERO RIVER PB 76 PGS 82-85 LOT 20
Legal Range	25E
Legal Township	46S
Legal Section	34
Legal Subdivision	ESTERO RIVER
Legal Tract	12
Legal Block	1
Legal Lot Number	20
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1006
Census Tract	50306

Owner

Source: Lee County records · APN 34-46-25-E1-12000.0200

Assessment roll updated April 13, 2026 · Last verified May 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	9103 ESTERO RIVER CIR, ESTERO, FL 33928-4416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 11, 2016 · Amount on Record
Deed Sale	May 11, 2016 · Amount on Record
Prior Sale	May 29, 2014 · Amount on Record
Deed Document Number	2016100772
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	9103 ESTERO RIVER CIR, ESTERO, FL 33928-4416
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9103 ESTERO RIVER CIR, ESTERO, FL 33928-4416

Mortgage

Document Number	0000360838
Date	Nov 02, 2021
Instrument	2021000360838

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,100.00 (+7.16%) Homeowner's exemption	$326,953 (+5.99%)	$633,883 (+20.17%) Land $107,398 Building $526,485
2023	$3,826.00 (-0.67%) Homeowner's exemption	$308,484 (+3%)	$527,493 (+1.45%) Land $107,070 Building $420,423
2022	$3,852.00 Homeowner's exemption	$299,499	$519,940 Land $85,356 Building $434,584

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 23, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 164 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	164 in force
Nearby Flood Claims	21 (1981–2023)
Claims Outside the SFHA	6 of 21
Most Recent Claim	Mar 2023
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 10 claims

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20
Lumen Technologies DSL · Fiber in parts of the area	140 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

Based on FCC filings for 143 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LEE COUNTY UTILITIES serves 282,556 people
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.