4540 Cutlass Dr, Captiva, FL 33924 Property Records

Lee County property record for 4540 Cutlass Dr, Captiva, FL 33924 · Last verified April 2026

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.254 acres (11,064 sqft)
Owner	2 Company Names on File
Last Sale	$184,000 (Nov 2021)
Tax Bill	$1,768 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`05-45-21-17-00004.0050`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-17-00004.0050`
Alternative APNs	`05452101000042050` `21054517000040050` `10003654`

Exterior

Lot Area	11,064 sqft (0.254 acres)
Lot Dimensions	125 ft deep x 90 ft wide

Location & Zoning

Account Number	10003654
Street Address	4540 CUTLASS DR
City	UPPER CAPTIVA
State	FL
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	MAP N END CAPTIVA IS PB 1 PG 61 BLK 4 LOT 5 AS DESC IN OR 0801 PG 0127
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	UPPER CAPTIVA ISLAND
Legal Tract	17
Legal Block	4
Legal Lot Number	5
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1021
Census Tract	80100

Owner

Source: Lee County records · APN 05-45-21-17-00004.0050

Assessment roll updated April 13, 2026 · Last verified April 2026

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

Owner of Record	2 Company Names on File
Mailing Address	1669 S LAKESHORE RD, CARSONVILLE, MI 48419-9312
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Apr 02, 2002 · Amount on Record
Deed Document Number	2021376877
Last Transfer Date	Jun 04, 2025
Transfer Doc	0000166167
Record Updated	Jun 08, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Nov 16, 2021
Property Address	4540 CUTLASS DR, CAPTIVA, FL 33924
Document Number	0000376877
Instrument Date	Nov 15, 2021
Instrument	2021000376877
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,288.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 18685, TAMPA, FL 33679-8685

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1669 S LAKESHORE RD, CARSONVILLE, MI 48419-9312

Mortgage

Document Number	0000376878
Date	Nov 16, 2021
Instrument	2021000376878

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Dec 01, 2022
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified April 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	$1,768.00 (-14.88%)	$120,602 (-6.46%) Land $120,602	$120,602 (-6.46%) Land $120,602
2023	$2,077.00 (-3.13%)	$128,931 (-2.69%) Land $128,931	$128,931 (-2.69%) Land $128,931
2022	$2,144.00	$132,500 Land $132,500	$132,500 Land $132,500

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 X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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.