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Single Family ResidenceResidential
$407,190$221 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $220,000 on Apr 6, 2010

20731 RIVERS FRD

ESTERO, FL 33928
2
Beds
2
Baths
1,842 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.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
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

$407K
$388K low$426K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$220,000 · Apr 6, 2010
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$332,190
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$265,752
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.19%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$75,000
WACHOVIA BANK NA · recorded Jan 27, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,738 (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.$228,386 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$222,382
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$369,346

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.
24
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.1 percent flood zone

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
Lot (acres)The size of the land the home sits on, from county records.0.15
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
ViewThe type of view from the property, or another feature of the site that affects value.Creek
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 157 ft²Porch · 148 ft²Sprinklers

Transaction History(2)

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 · 1.1 mi
H
Estero High SchoolC
High · Grades 9–12 · 1.2 mi
M
Three Oaks Middle SchoolA
Middle · Grades 6–8 · 2.3 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

20731 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 73% of homes in The Villages at Country Creek
  • Costs more per square foot than 71% of homes in The Villages at Country Creek
  • Bigger than 71% of homes in The Villages at Country Creek
  • Has a smaller lot than 80% of homes in Lee County
  • Newer than 88% of homes in The Villages at Country Creek

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
$218K$1.4M

This home is worth more than 35% 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$407,190
CheaperTypical $484,851Pricier

Pricier than 35% of homes nearby

Price per ft²$221
CheaperTypical $214Pricier

Pricier than 56% of homes nearby

Living area1,842 ft²
SmallerTypical 2,043 ft²Bigger

Bigger than 44% of homes nearby

Lot size0.15 ac
SmallerTypical 0.19 acBigger

Bigger than 35% of homes nearby

Year built1998
OlderTypical 2004Newer

Newer than 24% of homes nearby

How 20731 Rivers Frd ranks against every home in each area.
MeasureThis homeThe Villages at Country CreekEstero 33928Lee County
Estimated valuepricier than$407,19073% of homes35% of homes62% of homes
Price per ft²pricier than$22171% of homes56% of homes70% of homes
Living areabigger than1,842 ft²71% of homes44% of homes51% of homes
Lot sizebigger than0.15 ac53% of homes35% of homes20% of homes
Year builtnewer than199888% of homes24% of homes49% of homes

About 20731 Rivers Frd

How much is 20731 Rivers Frd, Estero, FL worth?

The TopHap Estimate for 20731 Rivers Frd, Estero, FL is $407,190 as of Jul 14, 2026. The likely range is $388,333 to $426,047. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20731 Rivers Frd, Estero, FL last sell?

20731 Rivers Frd, Estero, FL last sold on Apr 6, 2010 for $220,000, according to the county's recorded deed.

How big is 20731 Rivers Frd, Estero, FL?

20731 Rivers Frd, Estero, FL has 2 bedrooms, 2 bathrooms, 1,842 square feet of living space and a 0.15-acre lot.

When was 20731 Rivers Frd, Estero, FL built?

20731 Rivers Frd, Estero, FL was built in 1998, making it 28 years old. It is a ranch home. The building has 1 story.

What schools serve 20731 Rivers Frd, Estero, FL?

20731 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 20731 Rivers Frd, Estero, FL compare to other homes in Estero 33928?

Among the 20,838 homes in Estero 33928, it is worth more than 35% of them ($407,190 against a typical $484,851), its price per square foot is higher than 56% of them ($221 against a typical $214), it is bigger than 44% of them (1,842 ft² against a typical 2,043 ft²), its lot is bigger than 35% of them (0.15 ac against a typical 0.19 ac) and it is newer than 24% of them (1998 against a typical 2004). Measured against all of Lee County, it is worth more than 62% 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 20731 Rivers Frd, Estero, FL?

The 2025 property tax bill for 20731 Rivers Frd, Estero, FL was $2,738. The county assessed it at $228,386.

Closest homes

More homes in Estero 33928

Assigned schools

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