2844 Velma St, Matlacha (Cape Coral), FL 33993 Property Records

Lee County property record for 2844 Velma St, Matlacha, FL 33993

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,316 sqft · built 1972
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Mar 2021)
Tax Bill	$3,044 (2025)
Deeds & Mortgages	Mar 2021 Sale & Line of Credit Jun 2020 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`23-44-22-02-00000.3750`

Property Details

APN / Parcel Number

Primary APN	`23-44-22-02-00000.3750`
Alternative APNs	`22234402000003750` `10014763`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,316 sqft Living Area
Gross Area	2,045 sqft
1st Floor Area	1,316 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Gable
Roof Material	Built-Up Asphalt
Lot Area	6,316 sqft (0.145 acres)
Lot Dimensions	80 ft deep x 75 ft wide
View / Lot	Canal Front
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed/Unfinished Porch
Porch Area	393 sqft
Patio Area	133 sqft
Lawn Sprinklers	Lawn Sprinklers
Boat House	336 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	10014763
Street Address	2844 VELMA ST
City	MATLACHA
State	FL
Zip	33993-9747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TFC2
Legal Description	ISLAND HARBORS 5TH ADD PB 10 PG 99 LOT 375 + SWLY 1/2 OF LOT 374
Legal Range	22E
Legal Township	44S
Legal Section	23
Legal Subdivision	MATLACHA NW
Legal Tract	02
Legal Block	1
Legal Lot Number	374,3
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	200 E MAIN ST, SUBLETTE, IL 61367-9450
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Warranty Deed, Transfer · Line of Credit FIRST STATE BANK
Jun 25, 2020	Deed of Trust, Mortgage · Conventional with PMI ACOPIA
Feb 24, 2020	Warranty Deed, Transfer · Conventional with PMI CHRIS C TERRASI
May 11, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Feb 22, 2017	Warranty Deed, Transfer · Construction Mortgage WAYSON FAMILY HOLDINGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021 · Amount on File
Deed Sale	Mar 26, 2021 · Amount on File
Prior Sale	Feb 24, 2020 · Amount on File
Deed Document Number	202195855
Prior Transfer Date	May 18, 2012
Prior Transfer Doc	0000120238
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 26, 2021
Property Address	2844 VELMA ST, MATLACHA, FL 33993-9747
Document Number	0000095855
Map Reference	MB 10 PG 99
Instrument Date	Mar 24, 2021
Instrument	2021000095855
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6445 LEDGE RD, 6445, THOMPSON, OH 44086-9708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 E MAIN ST, SUBLETTE, IL 61367-9450

Mortgage

Document Number	0000095856
Date	Mar 26, 2021
Instrument	2021000095856

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	2844 VELMA ST, MATLACHA, FL 33993-9747
Document Number	0000156674
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6445 LEDGE RD THOMPSON OH 440869708, THOMPSON, OH 44086-9708

Mortgage

Document Number	0000156674
Date	Jul 10, 2020
Instrument	156674

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 24, 2020
Property Address	2844 VELMA ST, MATLACHA, FL 33993-9747
Document Number	0000046958
Instrument Date	Feb 21, 2020
Instrument	46958
Transaction Type	Transfer
Record Updated	Mar 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6445 LEDGE RD THOMPSON OH 440869708, THOMPSON, OH 44086-9708

Mortgage

Document Number	46959
Date	Feb 24, 2020
Instrument	46959

Lender

Name	CHRIS C TERRASI
Address	2844 VELMA ST, MATLACHA, FL 33993-9747

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	60 Months
Due	Feb 23, 2025

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 11, 2018
Property Address	2844 VELMA ST, MATLACHA, FL 33993-9747
Document Number	0000114240
Instrument Date	May 9, 2018
Instrument	114240
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,572.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2645 GEARY ST MATLACHA FL 339939742, MATLACHA, FL 33993-9742

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 22, 2017
Property Address	2844 VELMA ST, MATLACHA, FL 33993-9747
Document Number	0000037931
Instrument Date	Feb 21, 2017
Instrument	37931
Transaction Type	Transfer
Record Updated	Mar 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 276 MATLACHA FL 339930276, MATLACHA, FL 33993-0276

Mortgage

Document Number	37932
Date	Feb 22, 2017
Instrument	37932

Lender

Name	WAYSON FAMILY HOLDINGS LLC
Address	2111 W 4TH ST, VINTON, IA 52349-2469

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 21, 2018

Interest

Rate	5.5%

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		$332,368 (+82.99%) Land $179,398 Building $152,970	$332,368 (+82.99%) Land $179,398 Building $152,970
2025	$3,044.00 (-60.35%)	$181,630 (-63.35%) Land $181,620 Building $10	$181,630 (-63.35%) Land $181,620 Building $10
2023	$7,677.00 (-0.58%)	$495,589 (-2.77%) Land $230,880 Building $264,709	$495,589 (-2.77%) Land $230,880 Building $264,709
2022	$7,722.00	$509,688 Land $202,526 Building $307,162	$509,688 Land $202,526 Building $307,162

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 File 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 108 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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