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4440 Smugglers Dr, Captiva, FL 33924 Property Records

Lee County property record for 4440 Smugglers Dr, Captiva, FL 33924

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,296 sqft · built 1985
Lot Size0.215 acres (9,374 sqft)
Owner2 Individual Names on Record
Last Sale$805,500 (Nov 2024)
Tax Bill$11,622 (2025)
Deeds & MortgagesJul 2019 Mortgage
Jul 2020 Mortgage
Flood ZoneZone AE (high risk)
APN05-45-21-17-00002.0330

Property Details

APN / Parcel Number

Primary APN05-45-21-17-00002.0330
Alternative APNs
  • 21054517000020330
  • 10003568

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,296 sqft Living Area
Gross Area3,251 sqft
1st Floor Area864 sqft
Basement Area432 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1996
Architectural StyleRanch
Exterior MaterialCombination
Roof TypeShed Roof
Roof MaterialMetal
Lot Area9,374 sqft (0.215 acres)
Lot Dimensions125 ft deep x 75 ft wide
Garage TypeCarport
Garage Area226 sqft
CarportCarport
Carport Area226 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool Area240 sqft
PorchOpen Porch
Porch Area758 sqft
Deck Area696 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10003568
Street Address4440 SMUGGLERS DR
CityCAPTIVA
StateFL
Zip33924
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS1
Legal DescriptionN END CPTIVA IS PB 1 PG 61 PT LOT 3 DESC OR 675 PG 500 AKA BLK 2 LOT 33 CASTAWAY KEY U/R
Legal Range21E
Legal Township45S
Legal Section05
Legal SubdivisionUPPER CAPTIVA ISLAND
Legal Tract17
Legal Block2
Legal Lot Number3,33
JurisdictionLEE FL
Township / Civil DivisionSANIBEL ISLAND
Census Block Group1
Census Block1035
Census Tract80100

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 Record2 Individual Names on Record
Mailing Address13204 270TH ST E, CANNON FALLS, MN 55009-9117
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 1, 2019Deed of Trust, Mortgage · Conventional Mortgage
HAMILTON GROUP FUNDING INC
Jul 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 19, 2024 · Amount on Record
Deed SaleNov 19, 2024 · Amount on Record
Prior SaleDec 29, 2016 · Amount on Record
Deed Document Number2024314338
Prior Transfer DateFeb 15, 2014
Prior Transfer Doc0000128508
Record UpdatedOct 29, 2026

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address4440 SMUGGLERS DR, CAPTIVA, FL 33924
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000154572
DateJul 1, 2019
Instrument2019000154572
Lender
NameHAMILTON GROUP FUNDING INC
TypeMortgage Company
AddressFORT LAUDERDALE, FL 33323
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2049

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address4440 SMUGGLERS DR, CAPTIVA, FL 33924
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000166672
DateJul 22, 2020
Instrument2020000166672
Lender
NameHAMILTON GROUP FUNDING INC
TypeMortgage Company
AddressFORT LAUDERDALE, FL 33323
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

Tax Assessment & Valuation

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$870,183 (+1%)$913,999 (+15.54%) Land $115,304 Building $798,695
2025$11,622.00 (+62.61%)$791,075 (+34.04%) Land $109,914 Building $681,161$791,075 (+34.04%) Land $109,914 Building $681,161
2023$7,147.00 (+14.96%)$590,158 (+27.53%) Land $119,453 Building $470,705$590,158 (+27.53%) Land $119,453 Building $470,705
2022$6,217.00$462,776 Land $132,500 Building $330,276$462,776 Land $132,500 Building $330,276

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 774 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies857 units insured
incl. 83 condo units
Nearby Flood Claims1,041 (1988–2024)
Claims Outside the SFHA76 of 1,041
Most Recent ClaimNov 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

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 178 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
CenturyLink
DSL		60 / 5
Verizon
Fixed Wireless		25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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