4451 Harbor Bend Dr, Captiva, FL 33924 Property Records

Lee County property record for 4451 Harbor Bend Dr, Captiva, FL 33924 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,593 sqft · built 2009
Lot Size	0.349 acres (15,202 sqft)
Owner	Company Name on File
Last Sale	$760,000 (Aug 2022)
Tax Bill	$11,328 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`05-45-21-02-00000.0290`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-02-00000.0290`
Alternative APNs	`21054502000000290` `10003713`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,593 sqft Living Area
Gross Area	2,201 sqft
1st Floor Area	1,241 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	15,202 sqft (0.349 acres)
Lot Dimensions	179 ft deep x 88 ft wide
View / Lot	Lake
Garage Type	Carport
Garage Area	32 sqft
Carport	Carport
Carport Area	32 sqft
Porch	Florida Room
Porch Area	623 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10003713
Street Address	4451 HARBOR BEND DR
City	CAPTIVA
State	FL
Zip	33924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAFETY HARBOR CLUB PB 34 PG 33 LOT 29
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	SAFETY HARBOR CLUB
Legal Tract	02
Legal Block	1
Legal Lot Number	29
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1032
Census Tract	80100

Owner

Source: Lee County records · APN 05-45-21-02-00000.0290

Assessment roll updated April 13, 2026 · Last verified April 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 File
Mailing Address	PO BOX 363, HARRODSBURG, KY 40330-0363
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage UPEQUITY SPV2 LLC
Aug 04, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 05, 2020	Warranty Deed, Transfer · Conventional Mortgage HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 04, 2022 · Amount on Record
Deed Sale	Aug 04, 2022 · Amount on Record
Prior Sale	Mar 05, 2020 · Amount on Record
Deed Document Number	2022252233
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	4451 HARBOR BEND DR, CAPTIVA, FL 33924
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 GARDEN DR, MONTGMRY, IL 60538-2202

Mortgage

Document Number	0000315752
Date	Sep 27, 2021
Instrument	2021000315752

Lender

Name	UPEQUITY SPV2 LLC
Type	Mortgage Company
Address	AUSTIN, TX 78704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 01, 2051

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 04, 2022
Property Address	4451 HARBOR BEND DR, CAPTIVA, FL 33924
Document Number	0000252233
Map Reference	MB 34 PG 32
Instrument Date	Aug 01, 2022
Instrument	2022000252233
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$5,320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 GARDEN DR, 28, MONTGOMERY, IL 60538-2202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 363, HARRODSBURG, KY 40330-0363

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 05, 2020
Property Address	4451 HARBOR BEND DR, CAPTIVA, FL 33924
Document Number	0000057691
Map Reference	MB 34 PG 32
Instrument Date	Feb 28, 2020
Instrument	2020000057691
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,108.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1378 HILLTOP RDG, 1378, HOULTON, WI 54082-2012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 MISTY MOUNTAIN LN, BLUE RIDGE, GA 30513-8602

Mortgage

Document Number	0000057692
Date	Mar 05, 2020
Instrument	2020000057692

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2050

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lee County
Unified School District	Lee County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,328.00 (+29.37%)	$682,051 (+21%)	$927,300 (+64.51%) Land $143,250 Building $784,050
2023	$8,756.00 (+29.76%)	$563,678 (+1%) Land $121,125 Building $442,553	$563,678 (+1%) Land $121,125 Building $442,553
2022	$6,748.00	$512,433 Land $124,980 Building $387,453	$512,433 Land $124,980 Building $387,453

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120710801001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 774 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	857 units insured 83 under condo master policies
Nearby Flood Claims	1,041 (1988–2024)
Claims Outside the SFHA	76 of 1,041
Most Recent Claim	Nov 2024, other causes
Claims By Storm	Hurricane Milton, Oct 2024 · 269 claims Hurricane Ian, Oct 2022 · 239 claims Hurricane Ian, Oct 2022 · 230 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 132 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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