9650 Spring Ridge Cir, Estero, FL 33928 Property Records

Lee County property record for 9650 Spring Ridge Cir, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,643 sqft · built 1995
Lot Size	0.276 acres (12,023 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (Feb 1995)
Tax Bill	$2,785 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`34-46-25-E3-0700C.0170`

Property Details

APN / Parcel Number

Primary APN	`34-46-25-E3-0700C.0170`
Alternative APNs	`253446E30700C0170` `344625070000C0170` `10275923`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,643 sqft Living Area
Gross Area	3,586 sqft
1st Floor Area	1,742 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	12,023 sqft (0.276 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Florida Room
Porch Area	150 sqft
Patio Area	589 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10275923
Street Address	9650 SPRING RIDGE CIR
City	ESTERO
State	FL
Zip	33928-3200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	SPRING RIDGE I PB 42 PG 55 LOT 17
Legal Range	25E
Legal Township	46S
Legal Section	34
Legal Subdivision	SPRING RIDGE
Legal Tract	7
Legal Block	1
Legal Lot Number	17
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1001
Census Tract	50306

Owner

Source: Lee County records · APN 34-46-25-E3-0700C.0170

Assessment roll updated July 29, 2026 · Last verified August 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	9650 SPRING RIDGE CIR, ESTERO, FL 33928-3200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 15, 1995 · Amount on Record
Deed Sale	Feb 15, 1995 · Amount on Record
Deed Book / Page	2575 / 2247
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	9650 SPRING RIDGE CIR, ESTERO, FL 33928-3200
Document Number	0000173449
Instrument Date	Jul 06, 2018
Transaction Type	Mortgage
Record Updated	Aug 09, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9650 SPRING RIDGE CIR ESTERO FL 339283200, ESTERO, FL 33928-3200

Mortgage

Document Number	0000173449
Date	Jul 18, 2018
Instrument	173449

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 17, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated July 29, 2026 · Last verified August 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
2026		$483,371 (+113.91%) Land $85,660 Building $397,711	$483,371 (+16.26%) Land $85,660 Building $397,711
2025	$2,785.00 (+7.95%) Homeowner's exemption	$225,974 (+5.99%)	$415,780 (-12.14%) Land $90,440 Building $325,340
2023	$2,580.00 (-1.94%) Homeowner's exemption	$213,209 (+3%)	$473,250 (-5.68%) Land $98,390 Building $374,860
2022	$2,631.00 Homeowner's exemption	$206,999	$501,728 Land $69,495 Building $432,233

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 AH, 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Lumen Technologies.

Based on FCC filings for 206 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.