4520 Panama Shell Dr, Captiva, FL 33924 Property Records

Lee County property record for 4520 Panama Shell Dr, Captiva, FL 33924 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,351 sqft · built 1989
Lot Size	0.202 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Jan 2021)
Tax Bill	$10,132 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`05-45-21-09-00000.0130`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-09-00000.0130`
Alternative APNs	`21054509000000130` `10003419`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,351 sqft Living Area
Gross Area	4,415 sqft
1st Floor Area	1,393 sqft
Upper Floors Area	697 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	138 sqft
Carport	Carport
Carport Area	138 sqft
Porch	Slab
Porch Area	1,458 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	10003419
Street Address	4520 PANAMA SHELL DR
City	CAPTIVA
State	FL
Zip	33924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N CAPTIVA DUNES UNREC UT 3 LT 13 DESC OR 1390 PG 0402
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	UPPER CAPTIVA ISLAND
Legal Tract	09
Legal Block	1
Legal Lot Number	13
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1025
Census Tract	80100

Owner

Source: Lee County records · APN 05-45-21-09-00000.0130

Assessment roll updated April 13, 2026 · Last verified May 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	455 MAYBERRY RD, SCHWENKSVILLE, PA 19473-1809
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Prior Sale	Mar 16, 1999 · Amount on Record
Deed Document Number	202110075
Record Updated	Jun 08, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 11, 2021
Property Address	4520 PANAMA SHELL DR, CAPTIVA, FL 33924
Document Number	0000010075
Instrument Date	Jan 07, 2021
Instrument	2021000010075
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	$3,710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2331, PINELAND, FL 33945-2331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 MAYBERRY RD, SCHWENKSVILLE, PA 19473-1809

Mortgage

Document Number	0000010076
Date	Jan 11, 2021
Instrument	2021000010076

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified May 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	$10,132.00 (-7.9%)	$689,412 (-10.59%) Land $106,903 Building $582,509	$689,412 (-10.59%) Land $106,903 Building $582,509
2023	$11,001.00 (+14.39%)	$771,070 (+27.53%) Land $115,110 Building $655,960	$771,070 (+27.53%) Land $115,110 Building $655,960
2022	$9,617.00	$604,629 Land $132,500 Building $472,129	$604,629 Land $132,500 Building $472,129

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	8.0 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 178 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, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.