439 Rayford St, Lehigh Acres, FL 33974 Property Records

Lee County property record for 439 Rayford St, Lehigh Acres, FL 33974

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · built 2023
Lot Size	0.244 acres (10,616 sqft)
Owner	Individual Name on Record
Last Sale	$319,600 (Mar 2023)
Tax Bill	$3,595 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-45-27-28-00149.0200`

Property Details

APN / Parcel Number

Primary APN	`08-45-27-28-00149.0200`
Alternative APNs	`08-45-27-L2-28149.0200` `270845L2281490200` `10407228`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	10,616 sqft (0.244 acres)

Location & Zoning

Account Number	10407228
Street Address	439 RAYFORD ST
City	LEHIGH ACRES
State	FL
Zip	33974-0488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	SOUTHWOOD UNIT 28 BLK 149 PB 26 PG 92 LOT 20
Legal Range	27E
Legal Township	45S
Legal Section	08
Legal Subdivision	LEHIGH ACRES 08-45-27
Legal Tract	28
Legal Block	149
Legal Lot Number	20
Legal Unit	28
Jurisdiction	LEE FL
Township / Civil Division	LEHIGH ACRES
Census Block Group	1
Census Block	1033
Census Tract	40311

Owner

Source: Lee County records, as of October 15, 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	Individual Name on Record
Mailing Address	439 RAYFORD ST, LEHIGH ACRES, FL 33974-0488
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Nov 1, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 29, 2023	Special Warranty Deed, Transfer · FHA Mortgage LENNAR MORTGAGE LLC
Apr 20, 2022	Warranty Deed, Transfer CALATLANTIC NAT'L TITLE SOLUTIONS, CALATLANTIC NATL TTL SLN LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2023 · Amount on Record
Deed Sale	Mar 29, 2023 · Amount on Record
Prior Sale	Apr 20, 2022 · Amount on Record
Deed Document Number	2023112018
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Recording Date	May 1, 2026
Property Address	439 RAYFORD ST, LEHIGH ACRES, FL 33974-0488
Document Number	0000114466
Instrument Date	Apr 3, 2026
Instrument	2026114466
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 RAYFORD ST, LEHIGH ACRES, FL 33974-0488

Mortgage

Document Number	0000114466,
Date	May 1, 2026
Instrument	2026114466

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Apr 1, 2053

Interest

Rate	6%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	439 RAYFORD ST, LEHIGH ACRES, FL 33974-0488
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 RAYFORD ST, LEHIGH ACRES, FL 33974-0488

Mortgage

Document Number	0000352178
Date	Nov 1, 2023
Instrument	2023000352178

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Apr 1, 2053

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 29, 2023
Property Address	439 RAYFORD ST, LEHIGH ACRES, FL 33974-0488
Document Number	0000112018
Map Reference	MB 26 PG 59
Instrument Date	Mar 20, 2023
Instrument	2023000112018
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,237.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10481 BEN C PRATT/6 MILE CYPRESS PKWY, FORT MYERS, FL 33966-6460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 RAYFORD ST, LEHIGH ACRES, FL 33974-0488

Mortgage

Document Number	0000112019
Date	Mar 29, 2023
Instrument	2023000112019

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 20, 2022
Property Address	439 RAYFORD ST, LEHIGH ACRES, FL 33974-0488
Document Number	0000132362
Map Reference	MB 26 PG 93
Instrument Date	Apr 18, 2022
Instrument	2022000132362
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	CALATLANTIC NAT'L TITLE SOLUTIONS, CALATLANTIC NATL TTL SLN LLC

Transaction

Amount	Amount Recorded
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3298 LOOMIS LAKE CT, LOVELAND, CO 80538-8219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 PLAZA REAL # 244, 244, BOCA RATON, FL 33432-3932
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$259,417 (-3.72%) Land $20,678 Building $238,739	$259,417 (-6.09%) Land $20,678 Building $238,739
2025	$3,595.00 (+407.77%) Homeowner's exemption	$269,453 (+1,784.55%)	$276,248 (+1,832.07%) Land $18,573 Building $257,675
2023	$708.00 (+1,08%)	$14,298 (+69.01%) Land $14,298	$14,298 (+69.01%) Land $14,298
2022	$60.00	$8,460 Land $8,460	$8,460 Land $8,460

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

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2022 · other causes

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	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% 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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
T-Mobile Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Streamline Internet.

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