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2859 Cheryl St, Matlacha (Cape Coral), FL 33993 Property Records

Lee County property record for 2859 Cheryl St, Matlacha, FL 33993

Property Summary

Property TypeDuplex
Details2 bd · 2 ba · 2,263 sqft · built 1976
Lot Size0.227 acres (9,888 sqft)
Owner2 Individual Names on File
Last Sale$599,000 (Jul 2026)
Tax Bill$759 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Nov 2023 Transfer
+ 1 more
Flood ZoneZone AE (high risk)
APN14-44-22-04-00000.4350

Property Details

APN / Parcel Number

Primary APN14-44-22-04-00000.4350
Alternative APNs
  • 22144404000004350
  • 10013270

Interior

Bedrooms2 Beds
Full Baths2 Baths
Units3 Units
Stories1 Story
Building Area2,263 sqft Living Area
Gross Area3,313 sqft
1st Floor Area1,575 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1988
Architectural StyleDuplex Single
Exterior MaterialConcrete Block/Stucco
Roof TypeGable
Roof MaterialAsphalt
Lot Area9,888 sqft (0.227 acres)
Lot Dimensions82 ft deep x 123 ft wide
View / LotCanal Front
Garage TypeAttached
Garage Area216 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool Area297 sqft
PorchSlab
Porch Area288 sqft
Patio Area391 sqft
Boat AccessBoat Access
Boat LiftBoat Lift

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10013270
Street Address2859 CHERYL ST
CityMATLACHA
StateFL
Zip33993-9800
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeTFC2
Legal DescriptionISLAND HARBORS 6TH ADD U 2 PB 12 PG 93 LOTS 435 + 436
Legal Range22E
Legal Township44S
Legal Section14
Legal SubdivisionMATLACHA NW
Legal Tract04
Legal Block1
Legal Lot Number435,4
JurisdictionLEE FL
Township / Civil DivisionPINE ISLAND
Census Block Group1
Census Block1003
Census Tract70102

Owner

2859 Cheryl St, a duplex, is owned by two individuals who bought it in July 2026.

Source: Lee County records, as of October 15, 2026

Owner of Record2 Individual Names on File
Mailing Address13950 RIVER RD, FORT MYERS, FL 33905-7434
Owner TypeIndividual
VestingHusband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 23, 2026Warranty Deed, Transfer · Conventional Mortgage
AMERICAN PACIFIC MORTGAGE CORPORATION
Nov 14, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
May 22, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 23, 2026 · Amount on File
Deed SaleJul 23, 2026 · Amount on File
Prior SaleDec 14, 2018 · Amount on File
Deed Document Number2026194940
Prior Transfer DateMar 10, 2017
Prior Transfer Doc0000110881
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateJul 23, 2026
Property Address2859 CHERYL ST, MATLACHA, FL 33993-9800
Document Number0000194940
Instrument DateJul 20, 2026
Instrument2026194940
Transaction TypeTransfer
Record UpdatedAug 4, 2026
Title CompanyFLORIDA HOMETOWN TITLE AND ESCRO, FLORIDA HOMETOWN TITLE & ESCRO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$423,493.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address13950 RIVER RD, FORT MYERS, FL 33905-7434

Mortgage

Document Number0000194941,
DateJul 23, 2026
Instrument2026194941
Lender
NameAMERICAN PACIFIC MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2056
Interest
Rate TypeFixed Rate
Rate6.52%
Initial TypeFixed Rate
Max Rate-1%

November 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLEE FL
Recording DateNov 14, 2023
Property Address2859 CHERYL ST, MATLACHA, FL 33993-9800
Document Number0000364596
Map ReferenceMB 12 PG 93
Instrument DateNov 13, 2023
Instrument2023000364596
Transaction TypeTransfer
Record UpdatedDec 4, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2859 CHERYL ST, MATLACHA, FL 33993-9800

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address2859 CHERYL ST, MATLACHA, FL 33993-9800

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLEE FL
Recording DateMay 22, 2017
Property Address2859 CHERYL ST, MATLACHA, FL 33993-9800
Document Number0000110881
Instrument DateMar 10, 2017
Instrument110881
Transaction TypeTransfer
Record UpdatedJul 3, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address2859 CHERYL ST MATLACHA FL 339939800, MATLACHA, FL 33993-9800

Tax Assessment & Valuation

The 2025 property tax bill for 2859 Cheryl St was $759, up 12.1% from the year before.

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$442,430 (+89.54%)$447,430 (-19.63%) Land $203,800 Building $243,630
2025$759.00 (+12.11%) Homeowner's exemption$233,428$556,747 Land $265,150 Building $291,597
2024$677.00 (+6.11%)
2023$638.00 (+0.47%) Homeowner's exemption$220,242 (+3%)$518,617 (+15.44%) Land $333,174 Building $185,443
2022$635.00 Additional exemption filed$213,827$449,267 Land $239,349 Building $209,918

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2859 Cheryl St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 220 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies224 units insured
incl. 4 condo units
Nearby Flood Claims635 (1982–2024)
Claims Outside the SFHA1 of 635
Most Recent ClaimOct 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

Wildfire risk around 2859 Cheryl St is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
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 SystemGREATER PINE ISLAND WATER ASSOCIATION
private · serves 15,725 people · EPA ID FL5360322
Water SourceGroundwater
Last State InspectionMar 2026
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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

ProviderMax 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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