4460 Panama Shell Dr, Captiva, FL 33924 Property Records

Lee County property record for 4460 Panama Shell Dr, Captiva, FL 33924

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,781 sqft · built 2005
Lot Size	0.203 acres (8,843 sqft)
Owner	Individual Name on File
Last Sale	$950,000 (May 2021)
Tax Bill	$1,591 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`05-45-21-09-00000.0070`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-09-00000.0070`
Alternative APNs	`21054509000000070` `10003435`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,781 sqft Living Area
Gross Area	4,993 sqft
1st Floor Area	1,202 sqft
Upper Floors Area	1,038 sqft
Basement Area	199 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	8,843 sqft (0.203 acres)
Lot Dimensions	110 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	200 sqft
Porch	Slab
Porch Area	503 sqft
Patio Area	232 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	10003435
Street Address	4460 PANAMA SHELL DR
City	CAPTIVA
State	FL
Zip	33924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS1
Legal Description	PARL IN S 1/2 GOVT LOT 3 DESC OR 1903 PG 3998 AKA LT 7 UT 3 N CAPTIVA DUNES
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	UPPER CAPTIVA ISLAND
Legal Tract	09
Legal Block	1
Legal Lot Number	3,7
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1025
Census Tract	80100

Owner

Source: Lee County assessment roll, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2923 ASPEN LAKE DR NE, MINNEAPOLIS, MN 55449-7508
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA
May 19, 2021	Warranty Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA
Jul 22, 2019	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 19, 2021 · Amount on Record
Deed Sale	May 19, 2021 · Amount on Record
Prior Sale	Jul 22, 2019 · Amount on Record
Deed Document Number	2021164850
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	4460 PANAMA SHELL DR, CAPTIVA, FL 33924
Transaction Type	Mortgage
Record Updated	Jan 6, 2022
Title Company	A AND A TITLE, A & A TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11353 WILDWOOD CT NE, BLAINE, MN 55449-5901

Mortgage

Document Number	0000420909
Date	Dec 23, 2021
Instrument	2021000420909

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 19, 2021
Property Address	4460 PANAMA SHELL DR, CAPTIVA, FL 33924
Document Number	0000164850
Instrument Date	May 17, 2021
Instrument	2021000164850
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	PRIVATE CLIENT TITLE & ESCROW LLC, PRIVATE CLIENT T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16887 STRINGFELLOW RD, 16887, BOKEELIA, FL 33922-1643

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2923 ASPEN LAKE DR NE, BLAINE, MN 55449-7508

Mortgage

Document Number	0000164851
Date	May 19, 2021
Instrument	2021000164851

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jun 1, 2026
Change Frequency	6 Months
Min Rate At Change	4.37%
Max Rate At Change	6.37%
Index	Other
Max Rate	10.3%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jul 22, 2019
Property Address	4460 PANAMA SHELL DR, CAPTIVA, FL 33924
Document Number	0000170575
Instrument Date	Jul 15, 2019
Instrument	2019000170575
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	726 CHEROKEE DR, 726, SPRINGFIELD, IL 62711-8195

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5844 ENTERPRISE PKWY, FORT MYERS, FL 33905-5001

Mortgage

Document Number	0000170576
Date	Jul 22, 2019
Instrument	2019000170576

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Lee County assessment roll, as of April 13, 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
2025	$1,591.00 (-89.39%)	$106,913 (-90.01%) Land $106,903 Building $10	$106,913 (-90.01%) Land $106,903 Building $10
2023	$14,993.00 (+14.7%)	$1,069,964 (+27.52%) Land $115,157 Building $954,807	$1,069,964 (+27.52%) Land $115,157 Building $954,807
2022	$13,071.00	$839,023 Land $132,500 Building $706,523	$839,023 Land $132,500 Building $706,523

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Lumen Technologies DSL	60 / 5
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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