Lee County property record for 21 Beach Homes, Captiva, FL 33924
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 3,505 sqft · built 1974 |
| Lot Size | 0.049 acres (2,134 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,775,100 (Sep 2020) |
| Tax Bill | $31,637 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Sep 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 26-45-21-20-00000.0210 |
| Primary APN | 26-45-21-20-00000.0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,505 sqft Living Area |
| Gross Area | 3,860 sqft |
| 1st Floor Area | 1,688 sqft |
| Upper Floors Area | 1,231 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 2,134 sqft (0.049 acres) |
| View / Lot | Gulf |
| Porch | Florida Room |
| Porch Area | 496 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10004248 |
|---|---|
| Street Address | 21 BEACH HOMES |
| City | CAPTIVA |
| State | FL |
| Zip | 33924 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | SSRD |
| Legal Description | SOUTH SEAS PLANTATION BEACH HOME LAND CONDO PH I OR 2199 PG 1998 + CPB 4 PG 69 HOME 21 |
| Legal Range | 21E |
| Legal Township | 45S |
| Legal Section | 26 |
| Legal Subdivision | SOUTH SEAS PLANTATION BEACH HOME LAND CO |
| Legal Phase | 1 |
| Legal Tract | 20 |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | LEE FL |
| Township / Civil Division | SANIBEL ISLAND |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 80100 |
Source: Lee County records, as of July 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 224 BROWER RD, SPENCERPORT, NY 14559-2205 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Sep 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage M & T BANK |
| Dec 4, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 30, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2020 · Amount on Record |
| Deed Sale | Sep 14, 2020 · Amount on Record |
| Deed Document Number | 2020217881 |
| Prior Transfer Date | Nov 27, 2017 |
| Prior Transfer Doc | 0000250665 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 21 BEACH HOMES, CAPTIVA, FL 33924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 150 OLD MILL RD, ROCHESTER, NY 14618-3218 |
| Document Number | 0000056296 |
|---|---|
| Date | Feb 23, 2021 |
| Instrument | 2021000056296 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.57% |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Sep 14, 2020 |
| Property Address | 21 BEACH HOMES, CAPTIVA, FL 33924 |
| Document Number | 0000217881 |
| Map Reference | MB 1041 PG 654 |
| Instrument Date | Sep 8, 2020 |
| Instrument | 2020000217881 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,425.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 846 RIVER RANCH CT, 846, FRUITA, CO 81521-8436 |
| Name | Verified Name |
|---|---|
| Address | 150 OLD MILL RD, ROCHESTER, NY 14618-3218 |
| Document Number | 0000217882 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 2020000217882 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Dec 4, 2017 |
| Property Address | 21 BEACH HOMES, CAPTIVA, FL 33924 |
| Document Number | 0000250665 |
| Instrument Date | Nov 27, 2017 |
| Instrument | 250665 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 846 RIVER RANCH CT FRUITA CO 815218436, FRUITA, CO 81521-8436 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Mar 30, 2017 |
| Property Address | 21 BEACH HOMES, CAPTIVA, FL 33924 |
| Document Number | 0000067707 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 67707 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 846 RIVER RANCH CT FRUITA CO 815218436, FRUITA, CO 81521-8436 |
Source: Lee County assessment roll, as of July 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Unified School District | Lee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,078,559 (-7.62%) Land $2,078,549 Building $10 | $2,078,559 (-7.62%) Land $2,078,549 Building $10 | |
| 2025 | $31,637.00 (-27.7%) | $2,250,010 (-42.12%) Land $2,250,000 Building $10 | $2,250,010 (-42.12%) Land $2,250,000 Building $10 |
| 2023 | $43,758.00 (+25.83%) | $3,887,134 (+36.65%) Land $2,422,500 Building $1,464,634 | $3,887,134 (+36.65%) Land $2,422,500 Building $1,464,634 |
| 2022 | $34,776.00 | $2,844,678 Land $2,314,200 Building $530,478 | $2,844,678 Land $2,314,200 Building $530,478 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 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 |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ISLAND WATER ASSOCIATION serves 14,784 people · EPA ID FL5360146 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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