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Single Family ResidenceResidential
$481,735$236 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $320,000 on Dec 29, 2020

20640 RIVERS FRD

ESTERO, FL 33928
2
Beds
2
Baths
2,040 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$482K
$464K low$500K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$320,000 · Dec 29, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,285 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$350,327 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$341,117
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$403,018

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.65
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
35
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.72 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.98%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyLEE
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1998
Lot (acres)The size of the land the home sits on, from county records.0.23
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 250 ft²Porch · 318 ft²Sprinklers

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Three Oaks Elementary SchoolA
Elementary · Grades KG–5 · 1.0 mi
H
Estero High SchoolC
High · Grades 9–12 · 1.3 mi
M
Three Oaks Middle SchoolA-
Middle · Grades 6–8 · 2.1 mi

District: Lee County School District

Neighborhood · ZIP 33928These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.76%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.32,467
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.454 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$98,118
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$129,514
Average tempThe average temperature here across a full year.74°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20640 Rivers Frd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 93% of homes in The Villages at Country Creek
  • Costs more per square foot than 86% of homes in The Villages at Country Creek
  • Bigger than 75% of homes in The Villages at Country Creek
  • Has a bigger lot than 85% of homes in The Villages at Country Creek
  • Older than 81% of homes in Estero 33928

What homes are worth in Estero 33928

Each bar is how many homes fall in that price range. The marker is this home.

This home
$224K$1.5M

This home is worth more than 47% of homes in Estero 33928.

How it measures up in Estero 33928

The dot is this home. The mark in the middle is the typical home in Estero 33928.

Estimated value$481,735
CheaperTypical $498,701Pricier

Pricier than 47% of homes nearby

Price per ft²$236
CheaperTypical $220Pricier

Pricier than 64% of homes nearby

Living area2,040 ft²
SmallerTypical 2,043 ft²Bigger

Bigger than 50% of homes nearby

Lot size0.23 ac
SmallerTypical 0.19 acBigger

Bigger than 65% of homes nearby

Year built1997
OlderTypical 2005Newer

Newer than 19% of homes nearby

How 20640 Rivers Frd ranks against every home in each area.
MeasureThis homeThe Villages at Country CreekEstero 33928Lee County
Estimated valuepricier than$481,73593% of homes47% of homes74% of homes
Price per ft²pricier than$23686% of homes64% of homes76% of homes
Living areabigger than2,040 ft²75% of homes50% of homes60% of homes
Lot sizebigger than0.23 ac85% of homes65% of homes40% of homes
Year builtnewer than199775% of homes19% of homes44% of homes

About 20640 Rivers Frd

How much is 20640 Rivers Frd, Estero, FL worth?

The TopHap Estimate for 20640 Rivers Frd, Estero, FL is $481,735 as of Oct 21, 2026. The likely range is $463,818 to $499,652. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20640 Rivers Frd, Estero, FL last sell?

20640 Rivers Frd, Estero, FL last sold on Dec 29, 2020 for $320,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 20640 Rivers Frd, Estero, FL?

20640 Rivers Frd, Estero, FL has 2 bedrooms, 2 bathrooms, 2,040 square feet of living space and a 0.23-acre lot.

When was 20640 Rivers Frd, Estero, FL built?

20640 Rivers Frd, Estero, FL was built in 1997, making it 29 years old. It is a ranch home. The building has 1 story.

What schools serve 20640 Rivers Frd, Estero, FL?

20640 Rivers Frd, Estero, FL is assigned to Three Oaks Elementary School (elementary), rated A; Estero High School (high), rated C; Three Oaks Middle School (middle), rated A-. All sit in Lee County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20640 Rivers Frd, Estero, FL compare to other homes in Estero 33928?

Among the 20,879 homes in Estero 33928, it is worth more than 47% of them ($481,735 against a typical $498,701), its price per square foot is higher than 64% of them ($236 against a typical $220), it is bigger than 50% of them (2,040 ft² against a typical 2,043 ft²), its lot is bigger than 65% of them (0.23 ac against a typical 0.19 ac) and it is newer than 19% of them (1997 against a typical 2005). Measured against all of Lee County, it is worth more than 74% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20640 Rivers Frd, Estero, FL?

The 2025 property tax bill for 20640 Rivers Frd, Estero, FL was $4,285. The county assessed it at $350,327.

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