Flood zoneUnmapped
FEMA NFHL has no flood-zone polygon at this point.
Est. NFIP premium—
In our cost engine—
Action: Pull elevation cert from seller to confirm.
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Off-market · AVM only
Estimated value (AVM)
$7,598,031
Source: county records — no active MLS listing found
8 bd · 7 ba · 4,081 sqft
2021 20TH ST W, Fort Myers, FL
No homesteadLee County records
True monthly cost
$48,360/mo
Mortgage + taxes + HOA + insurance + flood + assessments + utilities
Est. $/sqft
$1,862
Affordability fit
Stress
≈ 921% of Fort Myers median income
Flexibility
Standard
Trust check · Florida edition
Insurability: flood · roof · wind
The three numbers Zillow won't tell you — the ones that decide whether you can actually insure (and finance) this home in SW Florida.
Sourced from FEMA NFHL & LeePA
Roof age28y
May block financing
Shingle roofs ≥23y are effectively uninsurable at standard rates. Lenders generally won't close.
Year built (proxy)1998
InsurabilityRoof age may block financing
Action: Plan for a new roof (or full-replacement credit) at contract.
Wind-mit savings$400–$1,800/yr
A wind-mitigation inspection (~$100) almost always pays for itself in year one. Credits stack on each of these features:
- • Hip roof (vs gable)
- • Roof-to-wall clips, single wraps, or double wraps
- • Impact-rated windows / accordion or panel shutters
- • Secondary water resistance (SWR) underlayment
Action: order a wind-mit report alongside your 4-point.
Insurability drag on True Monthly Cost
+$289 /mo
How much the roof age and flood zone shift this home's monthly cost vs a fresh-roof, zone-X baseline. Already included in the True Monthly Cost above.
Roof age vs fresh-roof baseline
Roof band: uninsurable. Modeled insurance $506/mo vs $217/mo fresh-roof.
+$289/mo
Flood zone vs preferred-risk (X)
FEMA zone not yet resolved for this parcel.
—/mo
Full investor report is locked
Unlock the deep intelligence on this property — the stuff Zillow doesn't show you.
- Distress signals: liens, lis pendens, tax delinquency
- Roof-age adjusted insurance estimate
- STR / Airbnb upside, cash flow, comparables
- AI investor brief with watch-outs & opportunities
$9 unlock = 30-day access to this one property. Pro = unlimited.