4521 Oyster Shell Dr, Captiva, FL 33924 Property Records

Lee County property record for 4521 Oyster Shell Dr, Captiva, FL 33924

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,813 sqft · built 2019
Lot Size	0.505 acres (21,982 sqft)
Owner	Company Name on Record
Last Sale	$1,550,000 (Mar 2023)
Tax Bill	$20,768 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2020 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`05-45-21-07-00000.0290`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-07-00000.0290`
Alternative APNs	`21054507000000290` `10596381`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,813 sqft Living Area
Gross Area	5,252 sqft
1st Floor Area	1,670 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Hip
Roof Material	Metal
Lot Area	21,982 sqft (0.505 acres)
Lot Dimensions	110 ft deep x 40 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	275 sqft
Porch	Florida Room
Porch Area	451 sqft
Deck Area	1,039 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10596381
Street Address	4521 OYSTER SHELL DR
City	UPPER CAPTIVA
State	FL
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	PARL IN S 1/2 GOVT LT 3 DESC INST# 2020000023325 AKA LOTS 29 + 30 + W 1/2 31 UT 1 N CAPTIVA DUNES
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	UPPER CAPTIVA ISLAND
Legal Tract	07
Legal Block	1
Legal Lot Number	3,29,
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1023
Census Tract	80100

Owner

Source: Lee County records, 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	Company Name on Record
Mailing Address	4727 STEEPLECHASE LN, FLOWERY BRANCH, GA 30542-3648
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Jan 28, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 8, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Oct 8, 2018 · Amount on Record
Deed Document Number	202393163
Prior Transfer Date	Jan 16, 2020
Prior Transfer Doc	0000023325
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 14, 2023
Property Address	4521 OYSTER SHELL DR, CAPTIVA, FL 33924
Document Number	0000093163
Instrument Date	Mar 10, 2023
Instrument	2023000093163
Transaction Type	Transfer
Record Updated	Mar 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2136 YELLOW CREEK RD, AKRON, OH 44333-2304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4727 STEEPLECHASE LN, FLOWERY BRANCH, GA 30542-3648

Mortgage

Document Number	0000093164
Date	Mar 14, 2023
Instrument	2023000093164

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEE FL
Recording Date	Jan 28, 2020
Property Address	4521 OYSTER SHELL DR, CAPTIVA, FL 33924
Document Number	0000023325
Instrument Date	Jan 16, 2020
Instrument	23325
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3800 EMBASSY PKWY #300 AKRON OH 443338398, 300, AKRON, OH 44333-8398

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Oct 8, 2018
Property Address	4521 OYSTER SHELL DR, CAPTIVA, FL 33924
Document Number	0000239377
Instrument Date	Oct 5, 2018
Instrument	239377
Transaction Type	Transfer
Record Updated	Nov 14, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$490.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3800 EMBASSY PKWY #300 AKRON OH 443338398, 300, AKRON, OH 44333-8398

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	$20,768.00 (+78.97%)	$1,414,838 (+47.25%) Land $174,850 Building $1,239,988	$1,414,838 (+47.25%) Land $174,850 Building $1,239,988
2023	$11,604.00 (+14.82%)	$960,815 (+27.53%) Land $181,685 Building $779,130	$960,815 (+27.53%) Land $181,685 Building $779,130
2022	$10,106.00	$753,422 Land $331,250 Building $422,172	$753,422 Land $331,250 Building $422,172

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

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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