4510 Smugglers Dr, Captiva, FL 33924 Property Records

Lee County property record for 4510 Smugglers Dr, Captiva, FL 33924

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,414 sqft · built 2005
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on File
Last Sale	$1,462,000 (Apr 2022)
Tax Bill	$1,591 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Oct 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`05-45-21-17-00002.0260`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-17-00002.0260`
Alternative APNs	`05452101000030260` `21054517000020260` `10003566`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,414 sqft Living Area
Gross Area	6,780 sqft
1st Floor Area	1,507 sqft
Upper Floors Area	1,507 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Combination
Roof Type	Hip
Roof Material	Metal
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	453 sqft
Carport	Carport
Carport Area	453 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Florida Room
Porch Area	1,713 sqft
Deck Area	712 sqft
Patio Area	1,000 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	10003566
Street Address	4510 SMUGGLERS DR
City	CAPTIVA
State	FL
Zip	33924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS1
Legal Description	N END CAPTIVA IS PB 1 PG 61 PT LOT 3 AS DESC IN OR 1160 PG 2174 AKA LOT 26 BLK 2 CASTAWAY KEY UNREC
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	UPPER CAPTIVA ISLAND
Legal Tract	17
Legal Block	2
Legal Lot Number	3,26
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1035
Census Tract	80100

Owner

4510 Smugglers Dr is owned by two individuals who bought it in April 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	121 DOUGLAS RD, SUTTON, MA 01590-1159
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Warranty Deed, Transfer · Conventional Mortgage HAMILTON HOME LOANS INC
Oct 13, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2022 · Amount on File
Deed Sale	Apr 11, 2022 · Amount on File
Prior Sale	Oct 13, 2017 · Amount on File
Deed Document Number	2022120944
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 11, 2022
Property Address	4510 SMUGGLERS DR, CAPTIVA, FL 33924
Document Number	0000120944
Instrument Date	Apr 11, 2022
Instrument	2022000120944
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,234.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 NW 8TH LN, 1900, CAPE CORAL, FL 33993-7199

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 DOUGLAS RD, SUTTON, MA 01590-1159

Mortgage

Document Number	0000120945
Date	Apr 11, 2022
Instrument	2022000120945

Lender

Name	HAMILTON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Oct 13, 2017
Property Address	4510 SMUGGLERS DR, CAPTIVA, FL 33924
Document Number	0000214115
Instrument Date	Oct 12, 2017
Instrument	214115
Transaction Type	Transfer
Record Updated	Nov 17, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$4,900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 NW 8TH LN CAPE CORAL FL 339937199, CAPE CORAL, FL 33993-7199

Tax Assessment & Valuation

The 2025 property tax bill for 4510 Smugglers Dr was $1,591.

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		$1,402,571 (+1,211.88%) Land $114,294 Building $1,288,277	$1,402,571 (+1,211.88%) Land $114,294 Building $1,288,277
2025	$1,591.00	$106,913 Land $106,903 Building $10	$106,913 Land $106,903 Building $10
2023	$3,067.00 (-74.1%)	$119,387 (-86.62%) Land $119,377 Building $10	$119,387 (-86.62%) Land $119,377 Building $10
2022	$11,842.00	$892,073 Land $132,500 Building $759,573	$892,073 Land $132,500 Building $759,573

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 4510 Smugglers 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	7.0 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 4510 Smugglers 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 Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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 (outdoors only) and 4G LTE

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