209 Useppa Island, Captiva, FL 33924 Property Records

Lee County property record for 209 Useppa Island, Captiva, FL 33924

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 2,437 sqft · built 2009
Lot Size	0.238 acres (10,367 sqft)
Owner	Company Name on File
Last Sale	$675,000 (May 2018)
Tax Bill	$16,524 (2025)
Deeds & Mortgages	May 2018 Transfer May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-44-21-01-00002.0090`

Property Details

APN / Parcel Number

Primary APN	`09-44-21-01-00002.0090`
Alternative APNs	`21094401000020090` `10002465`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,437 sqft Living Area
Gross Area	3,808 sqft
1st Floor Area	1,137 sqft
Upper Floors Area	1,044 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Duplex Single
Exterior Material	Combination
Roof Type	Hip
Roof Material	Metal
Lot Area	10,367 sqft (0.238 acres)
Porch	Florida Room
Porch Area	1,144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10002465
Street Address	209 USEPPA IS
City	USEPPA ISLAND
State	FL
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RM-2
Legal Description	COTTAGE SITES OF USEPPA IS SITE II-9 AS DESC IN OR 1612 PG 2376 + PART OF GL1 AS DESC IN INST# 2008000226287 LESS INST# 2008000226288
Legal Range	21E
Legal Township	44S
Legal Section	09
Legal Subdivision	USEPPA ISLAND
Legal Tract	01
Legal Block	2
Legal Lot Number	9
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1003
Census Tract	80100

Owner

209 Useppa Island, a duplex, is owned by a company that bought it in May 2018.

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

Owner of Record	Company Name on File
Mailing Address	9132 STRADA PL, 3, NAPLES, FL 34108-2942
Owner Type	Company

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

Deeds, Mortgages & Sale History

Date	Document
May 18, 2018	Quit Claim Deed, Transfer MERIDIAN INT'L TITLE SERVICES
May 18, 2018	Warranty Deed, Transfer · ARM M & T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2018 · Amount on File
Deed Sale	May 18, 2018 · Amount on File
Prior Sale	Nov 4, 2010 · Amount on File
Deed Document Number	2018121288
Prior Transfer Date	May 15, 2018
Prior Transfer Doc	0000121290
Record Updated	Oct 29, 2026

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEE FL
Recording Date	May 18, 2018
Property Address	209 USEPPA IS, CAPTIVA, FL 33924
Document Number	0000121290
Instrument Date	May 15, 2018
Instrument	121290
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	MERIDIAN INT'L TITLE SERVICES

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39 LAKEVIEW CIR SKANEATELES NY 131521312, SKANEATELES, NY 13152-1312

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 18, 2018
Property Address	209 USEPPA IS, CAPTIVA, FL 33924
Document Number	0000121288
Instrument Date	May 15, 2018
Instrument	2018000121288
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	MERIDIAN INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 SE 4TH AVE, 30, DELRAY BEACH, FL 33483-4514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 LAKEVIEW CIR, SKANEATELES, NY 13152-1312

Mortgage

Document Number	0000121291
Date	May 18, 2018
Instrument	2018000121291

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 209 Useppa Island was $16,524.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,101,943 (+1%)	$1,174,437 (+0.14%) Land $363,360 Building $811,077
2025	$16,524.00	$1,001,766	$1,172,807 Land $347,360 Building $825,447
2023	$14,084.00 (+19.13%)	$990,801 (+24.24%) Land $655,729 Building $335,072	$990,801 (+24.24%) Land $655,729 Building $335,072
2022	$11,822.00	$797,487 Land $290,000 Building $507,487	$797,487 Land $290,000 Building $507,487

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

Flood

FEMA maps place 209 Useppa Island in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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 209 Useppa Island is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Useppa Island

Nearby Streets

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