9634 Horne Ln, Estero, FL 33928 Property Records

Lee County property record for 9634 Horne Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,832 sqft · built 2004
Lot Size	0.163 acres (7,083 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Oct 2020)
Tax Bill	$4,584 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-46-25-E3-09005.0070`

Property Details

APN / Parcel Number

Primary APN	`34-46-25-E3-09005.0070`
Alternative APNs	`253446E3090050070` `34462509000050070` `10469771`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,832 sqft Living Area
Gross Area	4,576 sqft
1st Floor Area	1,298 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	7,083 sqft (0.163 acres)
Garage Type	Attached
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	170 sqft
Porch	Slab
Patio Area	699 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	10469771
Street Address	9634 HORNE LN
City	ESTERO
State	FL
Zip	33928-6280
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	COLONIAL OAKS PB 71 PG 60 BLK 5 LOT 7
Legal Range	25E
Legal Township	46S
Legal Section	34
Legal Subdivision	COLONIAL OAKS
Legal Tract	E3
Legal Block	5
Legal Lot Number	7
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	50306

Owner

9634 Horne Ln is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	9634 HORNE LN, ESTERO, FL 33928-6280
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2019	Deed of Trust, Mortgage · Line of Credit SYNOVUS BANK
Oct 23, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Prior Sale	Nov 25, 2009 · Amount on File
Deed Document Number	2020256633
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	9634 HORNE LN, ESTERO, FL 33928-6280
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000255104
Date	Nov 5, 2019
Instrument	2019000255104

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Oct 23, 2020
Property Address	9634 HORNE LN, ESTERO, FL 33928-6280
Document Number	0000256633
Map Reference	MB 17 PG 60
Instrument Date	Oct 19, 2020
Instrument	2020000256633
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	PINNACLE TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2144, SEQUIM, WA 98382-4336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9634 HORNE LN, ESTERO, FL 33928-6280

Mortgage

Document Number	0000256634
Date	Oct 23, 2020
Instrument	2020000256634

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 9634 Horne Ln was $4,584 with a homeowner's exemption.

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	$4,584.00 Homeowner's exemption	$364,143	$463,576 Land $92,055 Building $371,521
2023	$4,285.00 (-0.37%) Homeowner's exemption	$343,573 (+3%)	$541,137 (+29.4%) Land $75,686 Building $465,451
2022	$4,301.00 Homeowner's exemption	$333,566	$418,195 Land $77,582 Building $340,613

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

Flood

FEMA maps place 9634 Horne Ln in Zone X, an area of minimal 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 minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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 9634 Horne Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	LEE COUNTY UTILITIES serves 282,556 people · EPA ID FL5364048
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, 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream, CenturyLink, Hotwire Communications.

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