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210 Useppa Island, Captiva, FL 33924 Property Records

Lee County property record for 210 Useppa Island, Captiva, FL 33924

Property Summary

Property TypeMulti-Family Dwellings
Details4 bd · 4 ba · 3,048 sqft · built 1987
Lot Size0.165 acres (7,187 sqft)
OwnerCompany Name on Record
Tax Bill$14,037 (2025)
Deeds & MortgagesAug 2022 Line of Credit
Feb 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN09-44-21-01-00002.0100

Property Details

APN / Parcel Number

Primary APN09-44-21-01-00002.0100
Alternative APNs
  • 21094401000020100
  • 10002466

Interior

Bedrooms4 Beds
Full Baths4 Baths
Units2 Units
Stories1 Story
Building Area3,048 sqft Living Area
Gross Area3,420 sqft
1st Floor Area1,473 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialAluminum/Vinyl
Roof TypeHip
Roof MaterialMetal
Lot Area7,187 sqft (0.165 acres)
PorchFlorida Room
Porch Area200 sqft
Deck Area273 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10002466
Street Address210 USEPPA IS
CityUSEPPA ISLAND
StateFL
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Local Zoning CodeRM-2
Legal DescriptionCOTTAGE SITES OF USEPPA IS SITE 10 AS DESC IN OR 1771 PG 1765
Legal Range21E
Legal Township44S
Legal Section09
Legal SubdivisionUSEPPA ISLAND
Legal Tract01
Legal Block2
Legal Lot Number10
JurisdictionLEE FL
Township / Civil DivisionSANIBEL ISLAND
Census Block Group1
Census Block1003
Census Tract80100

Owner

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 RecordCompany Name on Record
Mailing AddressPO BOX 640, BOKEELIA, FL 33922-0640
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2022Deed of Trust, Mortgage · Line of Credit
CENTENNIAL BANK
Feb 20, 2019Loan Modification, Mortgage
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedSep 20, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address210 USEPPA IS, CAPTIVA, FL 33924
Transaction TypeMortgage
Record UpdatedFeb 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address8115 MAIN ST, BOKEELIA, FL 33922-1550

Mortgage

Document Number0000262920
DateAug 16, 2022
Instrument2022000262920
Lender
NameCENTENNIAL BANK
TypeBank
AddressSAINT JAMES CITY, FL 33956
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionLEE FL
Property Address210 USEPPA IS, CAPTIVA, FL 33924
Document Number0000080050
Instrument DateFeb 20, 2019
Transaction TypeMortgage
Record UpdatedJan 6, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Partnership
Address198 USEPPA IS USEPPA ISLAND FL 33922, USEPPA ISLAND, FL 33922

Tax Assessment & Valuation

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$992,483 (+13.69%) Land $328,359 Building $664,124$992,483 (+4.16%) Land $328,359 Building $664,124
2025$14,037.00 (+15.86%)$872,952 (+4.74%)$952,818 (+14.32%) Land $317,240 Building $635,578
2023$12,116.00 (+17.68%)$833,476 (+20.28%) Land $546,900 Building $286,576$833,476 (+20.28%) Land $546,900 Building $286,576
2022$10,296.00$692,959 Land $280,000 Building $412,959$692,959 Land $280,000 Building $412,959

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 774 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies857 units insured
incl. 83 condo units
Nearby Flood Claims1,041 (1988–2024)
Claims Outside the SFHA76 of 1,041
Most Recent ClaimNov 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

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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