15012 Binder Dr, Captiva, FL 33924 Property Records

Lee County property record for 15012 Binder Dr, Captiva, FL 33924

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,399 sqft · built 1992
Lot Size	0.337 acres (14,680 sqft)
Owner	Company Name on File
Last Sale	$1,200,000 (Jun 2005)
Tax Bill	$29,806 (2025)
Deeds & Mortgages	Jun 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-45-21-03-00005.0000`

Property Details

APN / Parcel Number

Primary APN	`35-45-21-03-00005.0000`
Alternative APNs	`21354503000050000` `10004782`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,399 sqft Living Area
Gross Area	6,393 sqft
1st Floor Area	1,572 sqft
Upper Floors Area	996 sqft
Basement Area	647 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	14,680 sqft (0.337 acres)
Garage Type	Attached
Garage Area	868 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	896 sqft
Porch	Florida Room
Porch Area	290 sqft
Patio Area	902 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	10004782
Street Address	15012 BINDER DR
City	CAPTIVA
State	FL
Zip	33924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1
Legal Description	LANES FA BAYVIEW S/D PB3/ 21 PT LTS5+6 DESC OR683/84 LESS OR 2535/3005
Legal Range	21E
Legal Township	45S
Legal Section	35
Legal Subdivision	CAPTIVA BEACH SUBD - LANES SUBD
Legal Tract	03
Legal Block	1
Legal Lot Number	5,6
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1050
Census Tract	80100

Owner

Source: Lee County records · APN 35-45-21-03-00005.0000

Assessment roll updated April 13, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	8230 WATERFORD WAY, PLAIN CITY, OH 43064-7545
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 08, 2005 · Amount on Record
Deed Sale	Jun 08, 2005 · Amount on Record
Prior Sale	Jul 28, 1997 · Amount on Record
Deed Document Number	20056833050
Deed Book / Page	4744 / 2971
Record Updated	Jun 08, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	15012 BINDER DR, CAPTIVA, FL 33924
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000143116
Date	Jun 18, 2019
Instrument	2019000143116

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.1%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	9.1%
Index	1-Year LIBOR
Max Rate	9.1%

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lee County
Unified School District	Lee County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$29,806.00 (+73.8%)	$2,139,693 (+86.62%)	$2,148,664 (+87.4%) Land $1,639,937 Building $508,727
2023	$17,150.00 (-27%)	$1,146,551 (-35.79%) Land $1,146,541 Building $10	$1,146,551 (-35.79%) Land $1,146,541 Building $10
2022	$23,494.00	$1,785,726 Land $1,035,000 Building $750,726	$1,785,726 Land $1,035,000 Building $750,726

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 23, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 774 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	857 units insured incl. 83 condo units
Nearby Flood Claims	1,041 (1988–2024)
Claims Outside the SFHA	76 of 1,041
Most Recent Claim	Nov 2024 · other causes
Claims by Event	Hurricane Milton, Oct 2024 · 269 claims Hurricane Ian, Oct 2022 · 239 claims Hurricane Ian, Oct 2022 · 230 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	3,000 / 3,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 46 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ISLAND WATER ASSOCIATION serves 14,784 people
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.