2481 Harbor View Dr, Matlacha (Cape Coral), FL 33993 Property Records

Lee County property record for 2481 Harbor View Dr, Matlacha, FL 33993

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,308 sqft · built 2019
Lot Size	0.111 acres (4,835 sqft)
Owner	Individual Name on Record
Last Sale	$88,900 (Dec 2017)
Tax Bill	$7,834 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`24-44-22-08-00000.0700`

Property Details

APN / Parcel Number

Primary APN	`24-44-22-08-00000.0700`
Alternative APNs	`22244408000000700` `10549135`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,308 sqft Living Area
Gross Area	2,205 sqft
1st Floor Area	707 sqft
Upper Floors Area	145 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Hip
Roof Material	Metal
Lot Area	4,835 sqft (0.111 acres)
View / Lot	Canal Front
Garage Type	Attached
Garage Area	354 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	150 sqft
Porch	Florida Room
Porch Area	246 sqft
Patio Area	250 sqft
Boat Access	Boat Access
Boat House	192 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10549135
Street Address	2481 HARBOR VIEW DR
City	MATLACHA
State	FL
Zip	33993-9795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MH-1
Legal Description	ISLAND HARBORS 2ND ADDN PB 9 PG 107 LOT 70
Legal Range	22E
Legal Township	44S
Legal Section	24
Legal Subdivision	MATLACHA NW
Legal Tract	08
Legal Block	1
Legal Lot Number	70
Jurisdiction	LEE FL
Township / Civil Division	PINE ISLAND
Census Block Group	1
Census Block	1002
Census Tract	70102

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 Record	Individual Name on Record
Mailing Address	4223 MCGREGOR BLVD, FORT MYERS, FL 33901-8810
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2018	Deed of Trust, Mortgage · ARM CENTENNIAL BANK
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Aug 20, 2019	Loan Modification, Mortgage CENTENNIAL BK
Dec 19, 2017	Warranty Deed, Transfer · Commercial Mortgage EDISON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2017 · Amount on Record
Deed Sale	Dec 19, 2017 · Amount on Record
Deed Document Number	2017263604
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	2481 HARBOR VIEW DR, MATLACHA, FL 33993-9795
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000142700
Date	Jun 13, 2018
Instrument	2018000142700

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	2481 HARBOR VIEW DR, MATLACHA, FL 33993-9795
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2481 HARBOR VIEW DR, MATLACHA, FL 33993-9795

Mortgage

Document Number	0000289795
Date	Nov 23, 2020
Instrument	2020000289795

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LEE FL
Property Address	2481 HARBOR VIEW DR, MATLACHA, FL 33993-9795
Document Number	0000201688
Instrument Date	Aug 20, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2481 HARBOR VIEW DR MATLACHA FL 339939795, MATLACHA, FL 33993-9795

Mortgage

Document Number	0000201688
Date	Aug 29, 2019
Instrument	201688

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Dec 19, 2017
Property Address	2481 HARBOR VIEW DR, MATLACHA, FL 33993-9795
Document Number	0000263604
Map Reference	MB9 PG107
Instrument Date	Dec 13, 2017
Instrument	2017000263604
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$622.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19451 DEVONWOOD CIR, 19451, FORT MYERS, FL 33967-4850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 BUFFALOE RD, GARNER, NC 27529-4733

Mortgage

Document Number	0000263605
Date	Dec 19, 2017
Instrument	2017000263605

Lender

Name	EDISON NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$559,199 (+1%)	$564,120 (+10.97%) Land $228,955 Building $335,165
2025	$7,834.00 (+176.82%)	$508,363 (+142.19%) Land $204,369 Building $303,994	$508,363 (+142.19%) Land $204,369 Building $303,994
2023	$2,830.00 (-52.67%) Homeowner's exemption	$209,901 (-49.77%) Land $209,891 Building $10	$209,901 (-64.13%) Land $209,891 Building $10
2022	$5,979.00 Homeowner's exemption	$417,908	$585,208 Land $184,115 Building $401,093

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 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 220 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	224 units insured incl. 4 condo units
Nearby Flood Claims	635 (1982–2024)
Claims Outside the SFHA	1 of 635
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 152 claims Hurricane Helene, Oct 2024 · 128 claims Hurricane Ian, Oct 2022 · 109 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 Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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 System	GREATER PINE ISLAND WATER ASSOCIATION private · serves 15,725 people · EPA ID FL5360322
Water Source	Groundwater
Last State Inspection	Mar 2026
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	4 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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