9760 Horne Ln, Estero, FL 33928 Property Records

Lee County property record for 9760 Horne Ln, Estero, FL 33928

Property Summary

Property Type	Multi-Family Dwellings
Details	8 bd · 6.5 ba · 2,102 sqft · built 1977
Lot Size	1.27 acres (55,321 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Mar 2020)
Tax Bill	$16,648 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jun 2021 Construction Loan + 1 more
Flood Zone	Zone AH (high risk)
APN	`34-46-25-E3-U2098.2312`

Property Details

APN / Parcel Number

Primary APN	`34-46-25-E3-U2098.2312`
Alternative APNs	`253446E3U20982312` `34462500000220010` `10275744`

Interior

Bedrooms	8 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,102 sqft Living Area
Gross Area	2,345 sqft
1st Floor Area	1,904 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	55,321 sqft (1.27 acres)
Lot Dimensions	334 ft deep x 165 ft wide
Garage Type	Carport
Garage Area	600 sqft
Carport	Carport
Carport Area	600 sqft
Porch	Florida Room
Porch Area	67 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10275744
Street Address	9760 HORNE LN
City	ESTERO
State	FL
Zip	33928-6277
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	AG-2
Legal Description	FR SW COR NW 1/4 OF NE 1/4 OF SE 1/4 RUN N 264FT TH E 165 FT TH S 334 FT
Legal Range	25E
Legal Township	46S
Legal Section	34
Legal Subdivision	S OF CORKSCREW E OF 41 W OF 75
Legal Block	1
Legal Lot Number	1
Jurisdiction	LEE FL
Township / Civil Division	BONITA SPRINGS
Census Block Group	1
Census Block	1000
Census Tract	50306

Owner

Source: Lee County records, as of April 13, 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 Record
Mailing Address	9760 HORNE LN, ESTERO, FL 33928-6277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 7, 2021	Deed of Trust, Mortgage · Construction Mortgage SANIBEL CAPTIVA COMMUNITY BANK
Mar 2, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2020 · Amount on Record
Deed Sale	Mar 2, 2020 · Amount on Record
Prior Sale	Jul 27, 2001 · Amount on Record
Deed Document Number	202053256
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	9760 HORNE LN, ESTERO, FL 33928-6277
Transaction Type	Mortgage
Record Updated	Apr 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9760 HORNE LN, ESTERO, FL 33928-6277

Mortgage

Document Number	0000136883
Date	Apr 18, 2023
Instrument	2023000136883

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	9760 HORNE LN, ESTERO, FL 33928-6277
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9760 HOME LANE, ESTERO, FL 33928

Mortgage

Document Number	0000187267
Date	Jun 7, 2021
Instrument	2021000187267

Lender

Name	SANIBEL CAPTIVA COMMUNITY BANK
Type	Bank
Address	SANIBEL, FL 33957

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 28, 2051

Interest

Rate Type	Adjustable Rate
Type Change Date	May 26, 2024
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	7.37%
Index	Prime Rate
Margin	1
Max Rate	10.3%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 2, 2020
Property Address	9760 HORNE LN, ESTERO, FL 33928-6277
Document Number	0000053256
Instrument Date	Feb 10, 2020
Instrument	2020000053256
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	HEIGHTS TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 470, ESTERO, FL 33929-0470

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9760 HOME LANE, ESTERO, FL 33928

Mortgage

Document Number	0000053257
Date	Mar 2, 2020
Instrument	2020000053257

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

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	$16,648.00 (+5.35%) Homeowner's exemption	$1,290,614 (+5.47%)	$1,622,734 (+32.61%) Land $226,814 Building $1,395,920
2023	$15,802.00 (+308.85%) Homeowner's exemption	$1,223,684 (+316.2%) Land $120,598 Building $1,103,086	$1,223,684 (+316.2%) Land $120,598 Building $1,103,086
2022	$3,865.00	$294,015 Land $85,181 Building $208,834	$294,015 Land $85,181 Building $208,834

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

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

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.

Nearby Properties on Horne Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures