9658 Horne Ln, Estero, FL 33928 Property Records

Lee County property record for 9658 Horne Ln, Estero, FL 33928

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,896 sqft · built 2003
Lot Size	0.171 acres (7,436 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Apr 2023)
Tax Bill	$6,294 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-46-25-E3-09005.0030`

Property Details

APN / Parcel Number

Primary APN	`34-46-25-E3-09005.0030`
Alternative APNs	`253446E3090050030` `34462509000050030` `10469767`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,896 sqft Living Area
Gross Area	3,557 sqft
1st Floor Area	1,995 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	7,436 sqft (0.171 acres)
Garage Type	Attached
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	377 sqft
Porch	Slab
Porch Area	163 sqft
Patio Area	547 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	10469767
Street Address	9658 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 3
Legal Range	25E
Legal Township	46S
Legal Section	34
Legal Subdivision	COLONIAL OAKS
Legal Tract	E3
Legal Block	5
Legal Lot Number	3
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	50306

Owner

9658 Horne Ln is owned and occupied by two individuals who bought it in April 2023.

Source: Lee County records, as of May 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9658 HORNE LN, ESTERO, FL 33928-6280
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 6, 2024	Deed of Trust, Mortgage · VA Mortgage CALCON MUTUAL MORTGAGE LLC
Apr 24, 2023	Warranty Deed, Transfer · VA Mortgage LUMINATE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2023 · Amount on File
Deed Sale	Apr 24, 2023 · Amount on File
Prior Sale	Jun 30, 2015 · Amount on File
Deed Document Number	2023145650
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	9658 HORNE LN, ESTERO, FL 33928-6280
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9658 HORNE LN, ESTERO, FL 33928-6280

Mortgage

Document Number	0000063602
Date	Mar 6, 2024
Instrument	2024000063602

Lender

Name	CALCON MUTUAL MORTGAGE LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 24, 2023
Property Address	9658 HORNE LN, ESTERO, FL 33928-6280
Document Number	0000145650
Map Reference	MB 71 PG 60
Instrument Date	Apr 17, 2023
Instrument	2023000145650
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	RIDGE TITLE AGENCY LLC, IDEAL TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 KATIE LYNN CT, WENTZVILLE, MO 63385-3557

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3425 FORUM BLVD APT 105, 105, FORT MYERS, FL 33905-6032

Mortgage

Document Number	0000145651
Date	Apr 24, 2023
Instrument	2023000145651

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 9658 Horne Ln was $6,294.

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	$6,294.00	$455,260 Land $92,055 Building $363,205	$455,260 Land $92,055 Building $363,205
2023	$3,180.00 (-1.21%) Homeowner's exemption	$259,094 (+3%)	$469,201 (+18.96%) Land $75,687 Building $393,514
2022	$3,219.00 Homeowner's exemption	$251,548	$394,421 Land $77,582 Building $316,839

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 9658 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 9658 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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