2734 Bruce St, Matlacha (Cape Coral), FL 33993 Property Records

Lee County property record for 2734 Bruce St, Matlacha, FL 33993

Property Summary

Property Type	Single Family Home
Lot Size	0.14 acres (6,085 sqft)
Owner	2 Company Names on File
Last Sale	$260,000 (Jun 2020)
Tax Bill	$16,024 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2025 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`24-44-22-11-00000.321A`

Property Details

APN / Parcel Number

Primary APN	`24-44-22-11-00000.321A`
Alternative APNs	`2224441100000321A` `10577075`

Interior

Elevator	Elevator

Exterior

Lot Area	6,085 sqft (0.14 acres)
View / Lot	Canal Front
Boat Lift	Boat Lift

Location & Zoning

Account Number	10577075
Street Address	2734 BRUCE ST
City	MATLACHA
State	FL
Zip	33993-9745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TFC2
Legal Description	ISLAND HARBORS 5TH ADD PB 10 PG 99 LOTS 321 + N 25 FT LOT 322
Legal Range	22E
Legal Township	44S
Legal Section	24
Legal Subdivision	MATLACHA NW
Legal Block	1
Legal Lot Number	321,3
Jurisdiction	LEE FL
Township / Civil Division	PINE ISLAND
Census Block Group	1
Census Block	1002
Census Tract	70102

Owner

Source: Lee County assessment roll, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	2734 BRUCE ST, MATLACHA, FL 33993-9745
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2023	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Feb 20, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 2, 2020	Warranty Deed, Transfer · Conventional with PMI DAVY E & LISA A BRATCHER
Feb 21, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 2, 2020 · Amount on Record
Deed Sale	Jun 2, 2020 · Amount on Record
Prior Sale	Feb 21, 2019 · Amount on Record
Deed Document Number	2020124744
Last Transfer Date	Feb 14, 2025
Transfer Doc	0000045735
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	2734 BRUCE ST, MATLACHA, FL 33993-9745
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2734 BRUCE ST, MATLACHA, FL 33993-9745

Mortgage

Document Number	0000074634
Date	Feb 28, 2023
Instrument	2023000074634

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jan 14, 2038

February 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Feb 20, 2025
Property Address	2734 BRUCE ST, MATLACHA, FL 33993-9745
Document Number	0000045734
Map Reference	MB 10 PG 99
Instrument Date	Feb 14, 2025
Instrument	2025000045734
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2734 BRUCE ST, MATLACHA, FL 33993-9745

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2734 BRUCE ST, MATLACHA, FL 33993-9745

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jun 2, 2020
Property Address	2734 BRUCE ST, MATLACHA, FL 33993-9745
Document Number	0000124744
Instrument Date	May 22, 2020
Instrument	124744
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	CAPE CORAL TITLE, CAPE CORAL TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 LAKE MANATEE CT CAPE CORAL FL 339092909, CAPE CORAL, FL 33909-2909

Mortgage

Document Number	124745
Date	Jun 2, 2020
Instrument	124745

Lender

Name	DAVY E & LISA A BRATCHER
Address	3910 BARNEGAT DR, PUNTA GORDA, FL 33950-7510
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	24 Months
Due	Jun 1, 2022

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 21, 2019
Property Address	2734 BRUCE ST, MATLACHA, FL 33993-9745
Document Number	0000041109
Instrument Date	Feb 21, 2019
Instrument	41109
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,365.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3910 BARNEGAT DR PUNTA GORDA FL 339507510, PUNTA GORDA, FL 33950-7510

Tax Assessment & Valuation

Source: Lee County assessment roll, as of April 13, 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
2025	$16,024.00 (+346.35%) Homeowner's exemption	$1,108,305 (+346.72%) Land $232,528 Building $875,777	$1,108,305 (+346.72%) Land $232,528 Building $875,777
2023	$3,590.00 (+12.54%)	$248,098 (+10.48%) Land $209,891 Building $38,207	$248,098 (+10.48%) Land $209,891 Building $38,207
2022	$3,190.00	$224,569 Land $184,115 Building $40,454	$224,569 Land $184,115 Building $40,454

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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 47 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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