9640 Horne Ln, Estero, FL 33928 Property Records

Lee County property record for 9640 Horne Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,904 sqft · built 2003
Lot Size	0.174 acres (7,558 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Oct 2013)
Tax Bill	$3,147 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-46-25-E3-09005.0060`

Property Details

APN / Parcel Number

Primary APN	`34-46-25-E3-09005.0060`
Alternative APNs	`253446E3090050060` `34462509000050060` `10469770`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,904 sqft Living Area
Gross Area	3,529 sqft
1st Floor Area	2,260 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	7,558 sqft (0.174 acres)
Garage Type	Attached
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	260 sqft
Porch	Florida Room
Porch Area	194 sqft
Patio Area	384 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	10469770
Street Address	9640 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 6
Legal Range	25E
Legal Township	46S
Legal Section	34
Legal Subdivision	COLONIAL OAKS
Legal Tract	E3
Legal Block	5
Legal Lot Number	6
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	50306

Owner

9640 Horne Ln is owned and occupied by two individuals who bought it in October 2013.

Source: Lee County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9640 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
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Sep 28, 2020	Deed of Trust, Mortgage · Line of Credit LAKE MI CU
Apr 1, 2018	Loan Modification, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2013 · Amount on File
Deed Sale	Oct 7, 2013 · Amount on File
Prior Sale	Jul 9, 2013 · Amount on File
Deed Document Number	2013227864
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Recording Date	Aug 4, 2026
Property Address	9640 HORNE LN, ESTERO, FL 33928-6280
Document Number	0000205750
Instrument Date	Jul 22, 2026
Instrument	2026205750
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF F

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9640 HORNE LN, ESTERO, FL 33928-6280

Mortgage

Document Number	0000205750,
Date	Aug 4, 2026
Instrument	2026205750

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	9640 HORNE LN, ESTERO, FL 33928-6280
Document Number	0000239804
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9640 HORNE LN ESTERO FL 339286280, ESTERO, FL 33928-6280

Mortgage

Document Number	0000239804
Date	Oct 6, 2020
Instrument	239804

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501-2848

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 5, 2045

Interest

Rate Type	Adjustable Rate

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LEE FL
Property Address	9640 HORNE LN, ESTERO, FL 33928-6280
Document Number	0000159802
Instrument Date	Apr 1, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9640 HORNE LN ESTERO FL 339286280, ESTERO, FL 33928-6280

Mortgage

Document Number	0000159802
Date	Jul 2, 2018
Instrument	159802

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 9640 Horne Ln was $3,147 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		$260,655 (+2.7%)	$395,115 (-19.26%) Land $87,339 Building $307,776
2025	$3,147.00 Homeowner's exemption	$253,802	$489,350 Land $92,055 Building $397,295
2023	$2,923.00 (-1.52%) Homeowner's exemption	$239,465 (+3%)	$490,411 (+21.18%) Land $75,686 Building $414,725
2022	$2,968.00 Homeowner's exemption	$232,490	$404,693 Land $77,582 Building $327,111

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

Flood

FEMA maps place 9640 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 9640 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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