448 Gulf Bend Dr, Captiva, FL 33924 Property Records

Lee County property record for 448 Gulf Bend Dr, Captiva, FL 33924

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,596 sqft · built 2019
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$1,337,500 (Jun 2022)
Tax Bill	$16,620 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`05-45-21-02-00000.0090`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-02-00000.0090`
Alternative APNs	`21054502000000090` `10003693`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,596 sqft Living Area
Gross Area	2,234 sqft
1st Floor Area	858 sqft
Upper Floors Area	754 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Combination
Roof Type	Hip
Roof Material	Metal
Lot Area	14,985 sqft (0.344 acres)
View / Lot	Gulf
Garage Type	Carport
Carport	Carport
Porch	Florida Room
Porch Area	1,050 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10003693
Street Address	448 GULF BEND DR
City	UPPER CAPTIVA
State	FL
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SAFETY HARBOR CLUB PB 34 PG 33 LOT 9
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	SAFETY HARBOR CLUB
Legal Tract	02
Legal Block	1
Legal Lot Number	9
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1018
Census Tract	80100

Owner

448 Gulf Bend Dr is owned by two individuals who bought it in June 2022.

Source: Lee County records, as of July 29, 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	2 Individual Names on File
Mailing Address	358 BISHOPSBRIDGE DR, CINCINNATI, OH 45255-3947
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNOVUS BANK
Mar 16, 2018	Trustee's Deed, Construction Loan · Construction Mortgage FLORIDA CMNTY BK NA
Jan 12, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2022 · Amount on File
Deed Sale	Jun 8, 2022 · Amount on File
Prior Sale	Jan 12, 2018 · Amount on File
Deed Document Number	2022191101
Prior Transfer Date	Dec 6, 2001
Prior Transfer Doc	3560000033
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jun 8, 2022
Property Address	448 GULF BEND DR, CAPTIVA, FL 33924
Document Number	0000191101
Map Reference	MB 34 PG 32
Instrument Date	May 27, 2022
Instrument	2022000191101
Transaction Type	Transfer
Record Updated	Jun 17, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,362.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18087 W 78TH DR, 18087, ARVADA, CO 80007-7989

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	358 BISHOPSBRIDGE DR, CINCINNATI, OH 45255-3947

Mortgage

Document Number	0000191102
Date	Jun 8, 2022
Instrument	2022000191102

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	448 GULF BEND DR, CAPTIVA, FL 33924
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18087 W 78TH DR, ARVADA, CO 80007-7989

Mortgage

Document Number	0000304888
Date	Dec 7, 2020
Instrument	2020000304888

Lender

Name	SYNOVUS BANK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

March 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LEE FL
Recording Date	Mar 16, 2018
Property Address	448 GULF BEND DR, CAPTIVA, FL 33924
Instrument Date	Mar 15, 2018
Instrument	62940
Transaction Type	Construction Loan
Record Updated	Apr 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18087 W 78TH DR ARVADA CO 800077989, ARVADA, CO 80007-7989

Mortgage

Document Number	0000062940
Date	Mar 16, 2018
Instrument	62940

Lender

Name	FLORIDA CMNTY BK NA
Address	FORT MYERS, FL 33907

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 12, 2018
Property Address	448 GULF BEND DR, CAPTIVA, FL 33924
Document Number	0000010844
Instrument Date	Jan 12, 2018
Instrument	10844
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,207.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18087 W 78TH DR ARVADA CO 800077989, ARVADA, CO 80007-7989

Tax Assessment & Valuation

The 2025 property tax bill for 448 Gulf Bend Dr was $16,620.

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		$1,097,850 (-3.01%) Land $575,893 Building $521,957	$1,097,850 (-3.01%) Land $575,893 Building $521,957
2025	$16,620.00	$1,131,911 Land $982,975 Building $148,936	$1,131,911 Land $982,975 Building $148,936
2023	$14,879.00 (+86.13%)	$993,846 (+59.81%) Land $484,500 Building $509,346	$993,846 (+59.81%) Land $484,500 Building $509,346
2022	$7,994.00	$621,902 Land $268,800 Building $353,102	$621,902 Land $268,800 Building $353,102

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 448 Gulf 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 448 Gulf Bend Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	0.01% 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 178 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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