412 Gulf Bend Dr, Captiva, FL 33924 Property Records

Lee County property record for 412 Gulf Bend Dr, Captiva, FL 33924

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,093 sqft · built 1991
Lot Size	0.325 acres (14,157 sqft)
Owner	2 Individual Names on File
Last Sale	$1,995,000 (Jun 2024)
Tax Bill	$23,386 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`05-45-21-02-00000.0030`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-02-00000.0030`
Alternative APNs	`21054502000000030` `10003687`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,093 sqft Living Area
Gross Area	3,636 sqft
1st Floor Area	1,807 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1993
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,157 sqft (0.325 acres)
Lot Dimensions	190 ft deep x 80 ft wide
View / Lot	Gulf
Garage Type	Carport
Garage Area	55 sqft
Carport	Carport
Carport Area	55 sqft
Porch	Florida Room
Porch Area	501 sqft
Deck Area	696 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10003687
Street Address	412 GULF BEND DR
City	CAPTIVA
State	FL
Zip	33924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SAFETY HARBOR CLUB PB 34 PG 33 LOT 3
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	SAFETY HARBOR CLUB
Legal Tract	02
Legal Block	1
Legal Lot Number	3
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1018
Census Tract	80100

Owner

412 Gulf Bend Dr is owned by two individuals who acquired it in February 2026.

Source: Lee County records, as of August 26, 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	485 ALLENDALE RD, KEY BISCAYNE, FL 33149-1809
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 26, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 8, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 25, 2024	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2024 · Amount on File
Deed Sale	Jun 25, 2024 · Amount on File
Deed Document Number	2024180526
Last Transfer Date	Feb 24, 2026
Transfer Doc	0000050458
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Feb 26, 2026
Property Address	412 GULF BEND DR, CAPTIVA, FL 33924
Document Number	0000050458
Map Reference	MB 34 PG 33
Instrument Date	Feb 24, 2026
Instrument	2026000050458
Transaction Type	Transfer
Record Updated	Mar 10, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	485 ALLENDALE RD, MIAMI, FL 33149-1809

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 ALLENDALE RD, MIAMI, FL 33149-1809

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Feb 26, 2026
Property Address	412 GULF BEND DR, CAPTIVA, FL 33924
Document Number	0000050459
Map Reference	MB 34 PG 33
Instrument Date	Feb 24, 2026
Instrument	2026000050459
Transaction Type	Transfer
Record Updated	Mar 10, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	485 ALLENDALE RD, MIAMI, FL 33149-1809

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	485 ALLENDALE RD, MIAMI, FL 33149-1809

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Dec 8, 2025
Property Address	412 GULF BEND DR, CAPTIVA, FL 33924
Document Number	0000322690
Map Reference	MB 34 PG 33
Instrument Date	Dec 4, 2025
Instrument	2025000322690
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	485 ALLENDALE RD, MIAMI, FL 33149-1809

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	485 ALLENDALE RD, MIAMI, FL 33149-1809

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jun 25, 2024
Property Address	412 GULF BEND DR, CAPTIVA, FL 33924
Document Number	0000180526
Map Reference	MB 34 PG 32
Instrument Date	May 10, 2024
Instrument	2024000180526
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,965.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4441 BLUE SAGE CT, BAREFOOT BEACH, FL 34134-7913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 ALLENDALE RD, MIAMI, FL 33149-1809

Mortgage

Document Number	0000180527
Date	Jun 25, 2024
Instrument	2024000180527

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.8%
Index	1-Year T-Bill
Max Rate	11.8%

Tax Assessment & Valuation

The 2025 property tax bill for 412 Gulf Bend Dr was $23,386.

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		$1,411,318 (-11.43%) Land $552,709 Building $858,609	$1,411,318 (-11.43%) Land $552,709 Building $858,609
2025	$23,386.00	$1,593,363 Land $933,713 Building $659,650	$1,593,363 Land $933,713 Building $659,650
2023	$15,905.00 (-13.47%)	$1,050,077 (-29.33%) Land $484,500 Building $565,577	$1,050,077 (-29.33%) Land $484,500 Building $565,577
2022	$18,381.00	$1,485,851 Land $458,300 Building $1,027,551	$1,485,851 Land $458,300 Building $1,027,551

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 412 Gulf Bend 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	6.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 774 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	857 units insured incl. 83 condo units
Nearby Flood Claims	1,041 (1988–2024)
Claims Outside the SFHA	76 of 1,041
Most Recent Claim	Nov 2024 · other causes
Claims by Event	Hurricane Milton, Oct 2024 · 269 claims Hurricane Ian, Oct 2022 · 239 claims Hurricane Ian, Oct 2022 · 230 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 412 Gulf Bend 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 99.8% of the US · lower than 99.7% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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