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4441 Harbor Bend Dr, Captiva, FL 33924 Property Records

Lee County property record for 4441 Harbor Bend Dr, Captiva, FL 33924

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · built 2023
Lot Size0.43 acres (18,731 sqft)
Owner2 Individual Names on File
Last Sale$905,000 (Dec 2025)
Tax Bill$7,207 (2025)
Deeds & MortgagesDec 2025 Sale & Mortgage
Dec 2020 Sale
Flood ZoneZone AE (high risk)
APN05-45-21-02-00000.0280

Property Details

APN / Parcel Number

Primary APN05-45-21-02-00000.0280
Alternative APNs
  • 21054502000000280
  • 10003712

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Lot Area18,731 sqft (0.43 acres)
Lot Dimensions179 ft deep x 88 ft wide
View / LotLake
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Location & Zoning

Account Number10003712
Street Address4441 HARBOR BEND DR
CityUPPER CAPTIVA
StateFL
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionSAFETY HARBOR CLUB PB 34 PG 33 LOT 28
Legal Range21E
Legal Township45S
Legal Section05
Legal SubdivisionSAFETY HARBOR CLUB
Legal Tract02
Legal Block1
Legal Lot Number28
JurisdictionLEE FL
Township / Civil DivisionSANIBEL ISLAND
Census Block Group1
Census Block1032
Census Tract80100

Owner

4441 Harbor Bend Dr is owned by two individuals who bought it in December 2025.

Source: Lee County records, as of October 15, 2026

Owner of Record2 Individual Names on File
Mailing Address7 FOXGROVE DR, READING, PA 19608-8710
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Dec 11, 2025Warranty Deed, Transfer · Conventional Mortgage
LIBERTY FCU
Dec 30, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 11, 2025 · Amount on File
Deed SaleDec 11, 2025 · Amount on File
Prior SaleDec 30, 2020 · Amount on File
Deed Document Number2025326975
Record UpdatedOct 29, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateDec 11, 2025
Property Address4441 HARBOR BEND DR, CAPTIVA, FL 33924
Document Number0000326975
Map ReferenceMB 34 PG 32
Instrument DateDec 5, 2025
Instrument2025000326975
Transaction TypeTransfer
Record UpdatedDec 25, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,335.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address357 PRATHER DR, FORT MYERS, FL 33919-3131

Transferred To (Grantee/Buyer)

NameVerified Name
Address7 FOXGROVE DR, SINKING SPRING, PA 19608-8710

Mortgage

Document Number0000326976
DateDec 11, 2025
Instrument2025000326976
Lender
NameLIBERTY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.75%
Type Change DateJan 1, 2033
Change Frequency6 Months
Min Rate At Change1%
Max Rate At Change11.7%
IndexSOFR Average 30-Day
Margin3
Max Rate11.7%

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateDec 30, 2020
Property Address4441 HARBOR BEND DR, CAPTIVA, FL 33924
Document Number0000328878
Instrument DateDec 23, 2020
Instrument328878
Transaction TypeTransfer
Record UpdatedJan 14, 2021
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$525.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address357 PRATHER DR FORT MYERS FL 339193131, FORT MYERS, FL 33919-3131

Tax Assessment & Valuation

The 2025 property tax bill for 4441 Harbor Bend Dr was $7,207.

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$1,325,882 (+202.99%) Land $194,580 Building $1,131,302$1,325,882 (+127.89%) Land $194,580 Building $1,131,302
2025$7,207.00$437,594$581,807 Land $160,347 Building $421,460
2023$1,734.00 (+2.18%)$121,125 (-3.08%) Land $121,125$121,125 (-3.08%) Land $121,125
2022$1,697.00$124,980 Land $124,980$124,980 Land $124,980

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

Flood

FEMA maps place 4441 Harbor 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 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 File
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

Wildfire risk around 4441 Harbor 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 RiskLow
lower than 97% of the US · lower than 96% 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 132 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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