340 E Gulf Dr, Sanibel, FL 33957 Property Records

Lee County property record for 340 E Gulf Dr, Sanibel, FL 33957

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,336 sqft · built 2019
Lot Size	0.264 acres (11,500 sqft)
Owner	Company Name on Record
Last Sale	$515,000 (Apr 2018)
Tax Bill	$15,461 (2025)
Deeds & Mortgages	Feb 2023 Sale Jun 2021 Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`20-46-23-T3-01801.0040`

Property Details

APN / Parcel Number

Primary APN	`20-46-23-T3-01801.0040`
Alternative APNs	`232046T3018010040` `10125966`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,336 sqft Living Area
Gross Area	5,577 sqft
1st Floor Area	1,988 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Hip
Roof Material	Metal
Lot Area	11,500 sqft (0.264 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	1,450 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	467 sqft
Porch	Florida Room
Porch Area	1,203 sqft
Patio Area	467 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10125966
Street Address	340 E GULF DR
City	SANIBEL
State	FL
Zip	33957-7213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANIBEL ESTATES UNIT 1 BLK 1 PB 9 PG 115 LOT 4
Legal Range	23E
Legal Township	46S
Legal Section	20
Legal Subdivision	SANIBEL ESTATES
Legal Tract	T3
Legal Block	1
Legal Lot Number	4
Legal Unit	1
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1001
Census Tract	80202

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	5565 GLENRIDGE CONNECTOR NE, 100, SANDY SPRINGS, GA 30342-1651
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MOMENTUM BANK
Jul 12, 2022	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Nov 20, 2019	Loan Modification, Mortgage AMERICAN MOMENTUM BK
Jul 30, 2019	Loan Modification, Mortgage AMERICAN MOMENTUM BK
Apr 29, 2019	Loan Modification, Mortgage AMERICAN MOMENTUM BK
Apr 5, 2018	Warranty Deed, Construction Loan · Construction Mortgage AMERICAN MOMENTUM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2018 · Amount on Record
Deed Sale	Apr 5, 2018 · Amount on Record
Prior Sale	Jun 4, 2014 · Amount on Record
Deed Document Number	201880996
Prior Transfer Date	May 2, 2005
Prior Transfer Doc	0047442254
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 7, 2023
Property Address	340 E GULF DR, SANIBEL, FL 33957-7213
Document Number	0000047228
Map Reference	MB 9 PG 115
Instrument Date	Dec 29, 2022
Instrument	2023000047228
Transaction Type	Transfer
Record Updated	Feb 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14885 E BLUFF RD, MILTON, GA 30004-3160

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5565 GLENRIDGE CONNECTOR STE 850, 850, ATLANTA, GA 30342-4806

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	340 E GULF DR, SANIBEL, FL 33957-7213
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4340 MANOR CREEK DR, CUMMING, GA 30040-6818

Mortgage

Document Number	0000216609
Date	Jun 30, 2021
Instrument	2021000216609

Lender

Name	AMERICAN MOMENTUM BANK
Type	Bank
Address	COLLEGE STATION, TX 77845

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	Other
Max Rate	7.62%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	340 E GULF DR, SANIBEL, FL 33957-7213
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4340 MANOR CREEK DR, CUMMING, GA 30040-6818

Mortgage

Document Number	0000227486
Date	Jul 12, 2022
Instrument	2022000227486

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MARIETTA, GA 30060

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	May 12, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LEE FL
Property Address	340 E GULF DR, SANIBEL, FL 33957-7213
Document Number	0000297202
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 E GULF DR SANIBEL FL 339577213, SANIBEL, FL 33957-7213

Mortgage

Document Number	0000297202
Date	Dec 27, 2019
Instrument	297202

Lender

Name	AMERICAN MOMENTUM BK
Type	Bank
Address	COLLEGE STATION, TX 77845

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2049

Interest

Rate Type	Adjustable Rate

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LEE FL
Property Address	340 E GULF DR, SANIBEL, FL 33957-7213
Document Number	0000204891
Instrument Date	Jul 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 E GULF DR SANIBEL FL 339577213, SANIBEL, FL 33957-7213

Mortgage

Document Number	0000204891
Date	Sep 4, 2019
Instrument	204891

Lender

Name	AMERICAN MOMENTUM BK
Type	Bank
Address	COLLEGE STATION, TX 77845

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LEE FL
Property Address	340 E GULF DR, SANIBEL, FL 33957-7213
Document Number	0000118900
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 E GULF DR SANIBEL FL 339577213, SANIBEL, FL 33957-7213

Mortgage

Document Number	0000118900
Date	May 23, 2019
Instrument	118900

Lender

Name	AMERICAN MOMENTUM BK
Type	Bank
Address	COLLEGE STATION, TX 77845

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 22, 2049

Interest

Rate Type	Adjustable Rate

April 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 5, 2018
Property Address	340 E GULF DR, SANIBEL, FL 33957-7213
Document Number	0000080996
Map Reference	MB9 PG115
Instrument Date	Apr 4, 2018
Instrument	2018000080996
Transaction Type	Construction Loan
Record Updated	Jul 28, 2022
Title Company	BARRIER ISLAND TITLE

Transaction

Amount	Amount Recorded
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 19TH AVE NE, 545, SAINT PETERSBURG, FL 33704-4613

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4340 MANOR CREEK DR, CUMMING, GA 30040-6818

Mortgage

Document Number	0000080997
Date	Apr 5, 2018
Instrument	2018000080997

Lender

Name	AMERICAN MOMENTUM BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

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		$982,761 (-7.07%) Land $400,566 Building $582,195	$982,761 (-7.07%) Land $400,566 Building $582,195
2025	$15,461.00 (-24.31%)	$1,057,578 (-24.09%) Land $449,668 Building $607,910	$1,057,578 (-24.09%) Land $449,668 Building $607,910
2023	$20,428.00 (+31.73%)	$1,393,247 (+5.75%) Land $477,761 Building $915,486	$1,393,247 (+5.75%) Land $477,761 Building $915,486
2022	$15,507.00	$1,317,432 Land $395,525 Building $921,907	$1,317,432 Land $395,525 Building $921,907

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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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