317 E Gulf Dr, Sanibel, FL 33957 Property Records

Lee County property record for 317 E Gulf Dr, Sanibel, FL 33957

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,926 sqft · built 1987
Lot Size	0.034 acres (1,481 sqft)
Owner	Company Name on File
Last Sale	$532,000 (Mar 2021)
Tax Bill	$5,881 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Mar 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`21-46-23-T1-01700.0020`

Property Details

APN / Parcel Number

Primary APN	`21-46-23-T1-01700.0020`
Alternative APNs	`232146T1017000020` `10126746`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,926 sqft Living Area
Gross Area	3,036 sqft
1st Floor Area	917 sqft
Upper Floors Area	941 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1989
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	1,481 sqft (0.034 acres)
Garage Type	Carport
Garage Area	80 sqft
Carport	Carport
Carport Area	80 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	156 sqft
Porch	Florida Room
Porch Area	888 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10126746
Street Address	317 E GULF DR
City	SANIBEL
State	FL
Zip	33957-7214
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	OSPREYS NEST RPD OR 1956 PG 253 UNIT 2
Legal Range	23E
Legal Township	46S
Legal Section	21
Legal Subdivision	SANIBEL ESTATES: ANCHOR DR TO LT. HOUSE
Legal Tract	T1
Legal Block	1
Legal Lot Number	1
Legal Unit	2
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1000
Census Tract	80202

Owner

317 E Gulf Dr, a duplex, is owned by a company that bought it in March 2021.

Source: Lee County records, as of July 29, 2026

Owner of Record	Company Name on File
Mailing Address	2188 ISLAND DR, LEXINGTON, KY 40502-3116
Owner Type	Company
Vesting	Limited Liability Company

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

Date	Document
Mar 22, 2017	Deed of Trust, Mortgage · ARM DELTA COMMUNITY CU
Mar 24, 2021	Warranty Deed, Transfer REALTY TITLE SOLUTION LLLP, REALTY TITLE SOLUTIONS LLLP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Prior Sale	Mar 31, 2015 · Amount on File
Deed Document Number	202192363
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	317 E GULF DR, SANIBEL, FL 33957-7214
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060527
Date	Mar 22, 2017
Instrument	2017000060527

Lender

Name	DELTA COMMUNITY CU
Type	Credit Union
Address	PEACHTREE CITY, GA 30269

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	8.5%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 24, 2021
Property Address	317 E GULF DR, SANIBEL, FL 33957-7214
Document Number	0000092363
Instrument Date	Feb 12, 2021
Instrument	2021000092363
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	REALTY TITLE SOLUTION LLLP, REALTY TITLE SOLUTIONS LLLP

Transaction

Amount	Amount on Record
Tax	$3,724.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	317 E GULF DR, 317, SANIBEL, FL 33957-7214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2188 ISLAND DR, LEXINGTON, KY 40502-3116

Tax Assessment & Valuation

The 2025 property tax bill for 317 E Gulf Dr was $5,881.

Source: Lee County assessment roll, as of July 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lee County
Municipality	Sanibel City
Unified School District	Lee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$259,367 (+1%)	$450,374 (-26.33%) Land $258,080 Building $192,294
2025	$5,881.00	$235,788	$611,372 Land $409,944 Building $201,428
2023	$11,941.00 (+29.86%)	$955,455 (+48.02%) Land $170,527 Building $784,928	$955,455 (+48.02%) Land $170,527 Building $784,928
2022	$9,195.00	$645,503 Land $192,590 Building $452,913	$645,503 Land $192,590 Building $452,913

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 317 E Gulf Dr 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 465 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,022 units insured incl. 557 condo units
Nearby Flood Claims	1,006 (1982–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Nov 2022 · 288 claims Hurricane Ian, Oct 2022 · 277 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 184 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 317 E Gulf Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	ISLAND WATER ASSOCIATION serves 14,784 people · EPA ID FL5360146
Water Source	Groundwater
Last State Inspection	Apr 2025
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	None 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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