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1648 Saint Clair Ave E, North Fort Myers, FL 33903 Property Records

Lee County property record for 1648 Saint Clair Ave E, North Fort Myers, FL 33903

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,369 sqft · built 1980
Lot Size0.255 acres (11,108 sqft)
Owner2 Individual Names on File
Last Sale$443,000 (May 2023)
Tax Bill$3,577 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Mar 2020 Mortgage
Flood ZoneZone AE (high risk)
APN16-44-24-09-00000.0280

Property Details

APN / Parcel Number

Primary APN16-44-24-09-00000.0280
Alternative APNs
  • 24164409000000280
  • 10163298

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,369 sqft Living Area
Gross Area3,199 sqft
1st Floor Area2,023 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1986
Architectural StyleRanch
Exterior MaterialConcrete Block
Roof TypeGable
Roof MaterialMetal
Lot Area11,108 sqft (0.255 acres)
Lot Dimensions120 ft deep x 90 ft wide
View / LotGolf Course
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area628 sqft
Deck AreaDeck Area
Patio Area240 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10163298
Street Address1648 SAINT CLAIR AVE E
CityNORTH FORT MYERS
StateFL
Zip33903-4647
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-1
Legal DescriptionWATERWAY EST GOLF PARK PB 22 PG 162 LOT 28
Legal Range24E
Legal Township44S
Legal Section16
Legal SubdivisionWATERWAY ESTATES
Legal Tract09
Legal Block2
Legal Lot Number28
JurisdictionLEE FL
Township / Civil DivisionCAPE CORAL
Census Block Group2
Census Block2000
Census Tract10305

Owner

1648 Saint Clair Ave E is owned and occupied by two individuals who bought it in May 2023.

Source: Lee County records, as of July 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address1648 SAINT CLAIR AVE E, NORTH FORT MYERS, FL 33903-4647
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 25, 2023Warranty Deed, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC
Mar 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
SUNCOAST CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 25, 2023 · Amount on File
Deed SaleMay 25, 2023 · Amount on File
Prior SaleSep 24, 2014 · Amount on File
Deed Document Number2023185867
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateMay 25, 2023
Property Address1648 SAINT CLAIR AVE E, NORTH FORT MYERS, FL 33903-4647
Document Number0000185867
Map ReferenceMB 22 PG 161&162
Instrument DateMay 23, 2023
Instrument2023000185867
Transaction TypeTransfer
Record UpdatedJun 5, 2023
Title CompanyCAPE CORAL TITLE, CAPE CORAL TTL INS AGCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,101.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10798 MARLBERRY WAY, FORT MYERS, FL 33917-3375

Transferred To (Grantee/Buyer)

NameVerified Name
Address1648 SAINT CLAIR AVE E, NORTH FORT MYERS, FL 33903-4647

Mortgage

Document Number0000185868
DateMay 25, 2023
Instrument2023000185868
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2053

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address1648 SAINT CLAIR AVE E, NORTH FORT MYERS, FL 33903-4647
Document Number0000072129
Instrument DateMar 16, 2020
Transaction TypeMortgage
Record UpdatedApr 29, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1648 SAINT CLAIR AVE E NORTH FORT MYERS FL 339034647, NORTH FORT MYERS, FL 33903-4647

Mortgage

Document Number0000072129
DateMar 20, 2020
Instrument72129
Lender
NameSUNCOAST CU
AddressTAMPA, FL 33610
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1648 Saint Clair Ave E was $3,577 with a homeowner's exemption.

Source: Lee County assessment roll, as of July 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
Unified School DistrictLee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$265,690 (+2.7%)$313,443 (+1.05%) Land $85,394 Building $228,049
2025$3,577.00 Homeowner's exemption$258,705$310,172 Land $93,064 Building $217,108
2023$815.00 (-56.9%) Homeowner's exemption$72,479 (-45.51%) Land $72,469 Building $10$72,479 (-73.41%) Land $72,469 Building $10
2022$1,891.00 Homeowner's exemption$133,008$272,539 Land $42,840 Building $229,699

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1648 Saint Clair Ave E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 388 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies514 units insured
incl. 126 condo units
Nearby Flood Claims359 (1981–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Ian, Oct 2022 · 129 claims
  • Hurricane Ian, Oct 2022 · 136 claims
  • Hurricane Irma, Sep 2017 · 28 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

Wildfire risk around 1648 Saint Clair Ave E is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemLEE COUNTY UTILITIES
serves 282,556 people · EPA ID FL5364048
Water SourceSurface water
Last State InspectionApr 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
resolved · Sep 2021
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 280 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Xfinity
Cable · Fiber in parts of the area		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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