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2860 Cheryl St, Matlacha (Cape Coral), FL 33993 Property Records

Lee County property record for 2860 Cheryl St, Matlacha, FL 33993

Property Summary

Property TypeMulti-Family Dwellings
Details3 bd · 2 ba · 1,921 sqft · built 1982
Lot Size0.107 acres (4,661 sqft)
OwnerIndividual Name on File
Last Sale$825,000 (May 2022)
Tax Bill$2,911 (2025)
Deeds & MortgagesSep 2026 Mortgage
Feb 2026 Transfer
+ 3 more
Flood ZoneZone AE (high risk)
APN14-44-22-04-00000.4530

Property Details

APN / Parcel Number

Primary APN14-44-22-04-00000.4530
Alternative APNs
  • 22144404000004530
  • 10013283

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,921 sqft Living Area
Gross Area2,736 sqft
1st Floor Area697 sqft
Upper Floors Area359 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 1984
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area4,661 sqft (0.107 acres)
Lot Dimensions80 ft deep x 60 ft wide
View / LotCanal Front
Garage TypeAttached
Garage Area336 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchFlorida Room
Porch Area479 sqft
Boat AccessBoat Access
Boat LiftBoat Lift

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10013283
Street Address2860 CHERYL ST
CityMATLACHA
StateFL
Zip33993-9750
Property CategoryResidential
Property TypeResidential > Multi-Unit > Multi-Family Dwellings
Local Zoning CodeTFC2
Legal DescriptionISLAND HARBORS 6TH ADD.U.2 PB 12 PG 93 LOT 453
Legal Range22E
Legal Township44S
Legal Section14
Legal SubdivisionMATLACHA NW
Legal Tract04
Legal Block1
Legal Lot Number453
JurisdictionLEE FL
Township / Civil DivisionPINE ISLAND
Census Block Group1
Census Block1003
Census Tract70102

Owner

2860 Cheryl St, a residential property, is owned and occupied by an individual who bought it in May 2022.

Source: Lee County records, as of September 23, 2026

Owner of RecordIndividual Name on File
Mailing Address2860 CHERYL ST, MATLACHA, FL 33993-9750
OccupancyOwner Occupied
Owner TypeIndividual

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
Sep 15, 2026Deed of Trust, Mortgage · Conventional Mortgage
SANIBEL CAPTIVA COMMUNITY BANK
Feb 18, 2026Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
May 12, 2022Warranty Deed, Transfer · Conventional Mortgage
SANIBEL CAPTIVA COMMUNITY BANK
Sep 20, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Jul 5, 2018Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMERICA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 12, 2022 · Amount on File
Deed SaleMay 12, 2022 · Amount on File
Prior SaleJul 5, 2018 · Amount on File
Deed Document Number2022160924
Prior Transfer DateOct 12, 1994
Prior Transfer Doc2556001854
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Recording DateSep 15, 2026
Property Address2860 CHERYL ST, MATLACHA, FL 33993-9750
Document Number0000239071
Instrument DateSep 2, 2026
Instrument2026239071
Transaction TypeMortgage
Record UpdatedSep 23, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address2860 CHERYL ST, MATLACHA, FL 33993-9750

Mortgage

Document Number0000239071,
DateSep 15, 2026
Instrument2026239071
Lender
NameSANIBEL CAPTIVA COMMUNITY BANK
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.75%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

February 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLEE FL
Recording DateFeb 18, 2026
Property Address2860 CHERYL ST, MATLACHA, FL 33993-9750
Document Number0000042094
Map ReferenceMB 12 PG 93
Instrument DateFeb 13, 2026
Instrument2026000042094
Transaction TypeTransfer
Record UpdatedMar 2, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address16411 OAKVIEW CIR, ALVA, FL 33920-3166

Transferred To (Grantee/Buyer)

NameVerified Name
Address2860 CHERYL ST, MATLACHA, FL 33993-9750

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateMay 12, 2022
Property Address2860 CHERYL ST, MATLACHA, FL 33993-9750
Document Number0000160924
Map ReferenceMB 12 PG 93
Instrument DateMay 12, 2022
Instrument2022000160924
Transaction TypeTransfer
Record UpdatedMay 23, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,775.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12270 COCONUT CREEK CT, 12270, FORT MYERS, FL 33908-3047

Transferred To (Grantee/Buyer)

NameVerified Name
Address16411 OAKVIEW CIR, ALVA, FL 33920-3166

Mortgage

Document Number0000161001
DateMay 12, 2022
Instrument2022000161001
Lender
NameSANIBEL CAPTIVA COMMUNITY BANK
TypeBank
AddressSANIBEL, FL 33957
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2052

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLEE FL
Recording DateSep 20, 2018
Property Address2860 CHERYL ST, MATLACHA, FL 33993-9750
Document Number0000224972
Instrument DateSep 18, 2018
Instrument224972
Transaction TypeTransfer
Record UpdatedOct 8, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address2038 SE TWIN BRIDGE CT OCALA FL 344718389, OCALA, FL 34471-8389
InvestorPossibly a Property Investor

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateJul 5, 2018
Property Address2860 CHERYL ST, MATLACHA, FL 33993-9750
Document Number0000163090
Instrument DateJul 2, 2018
Instrument163090
Transaction TypeTransfer
Record UpdatedJul 27, 2018
Title CompanyACCURATE COMPLETE TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address2038 SE TWIN BRIDGE CT OCALA FL 344718389, OCALA, FL 34471-8389

Mortgage

Document Number163091
DateJul 5, 2018
Instrument163091
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueJul 4, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 2860 Cheryl St was $2,911.

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$423,933 (+98.13%) Land $183,510 Building $240,423$423,933 (+1.72%) Land $183,510 Building $240,423
2025$2,911.00 Homeowner's exemption$213,971$416,772 Land $221,641 Building $195,131
2023$6,210.00 (+5.52%)$396,791 (-12.01%) Land $256,288 Building $140,503$396,791 (-12.01%) Land $256,288 Building $140,503
2022$5,885.00$450,964 Land $184,115 Building $266,849$450,964 Land $184,115 Building $266,849

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

Flood

FEMA maps place 2860 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 2860 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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