4540 Smugglers Dr, Captiva, FL 33924 Property Records

Lee County property record for 4540 Smugglers Dr, Captiva, FL 33924

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.281 acres (12,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (May 2021)
Tax Bill	$1,957 (2025)
Deeds & Mortgages	Apr 2023 Transfer May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`05-45-21-17-00002.0230`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-17-00002.0230`
Alternative APNs	`05452101000030580` `21054517000020230` `10003598`

Exterior

Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	125 ft deep x 90 ft wide

Location & Zoning

Account Number	10003598
Street Address	4540 SMUGGLERS DR
City	UPPER CAPTIVA
State	FL
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RS1
Legal Description	MAP N END CAPTIVA IS PB 1 PG 61 PT LOT 3 DESC IN OR 1297 PG 0083 AKA BLK 2 LOT 23 CASTAWAY KEY U/R
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	UPPER CAPTIVA ISLAND
Legal Tract	17
Legal Block	2
Legal Lot Number	3,23
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1035
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	2 Individual Names on Record
Mailing Address	15451 45TH ST NE, SAINT MICHAEL, MN 55376-9027
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Intrafamily Transfer, Transfer ACCOMMODATION
May 21, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2021 · Amount on Record
Deed Sale	May 21, 2021 · Amount on Record
Prior Sale	Feb 1, 2001 · Amount on Record
Deed Document Number	2021168782
Last Transfer Date	Mar 31, 2023
Transfer Doc	0000118232
Record Updated	Jun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Apr 3, 2023
Property Address	4540 SMUGGLERS DR, CAPTIVA, FL 33924
Document Number	0000118232
Instrument Date	Mar 31, 2023
Instrument	2023000118232
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15451 45TH ST NE, SAINT MICHAEL, MN 55376-9027

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	15451 45TH ST NE, SAINT MICHAEL, MN 55376-9027
Investor	Possibly a Property Investor

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 21, 2021
Property Address	4540 SMUGGLERS DR, CAPTIVA, FL 33924
Document Number	0000168782
Instrument Date	May 14, 2021
Instrument	2021000168782
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 MOTHER VINEYARD RD, 224, MANTEO, NC 27954-9548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15451 45TH ST NE, SAINT MICHAEL, MN 55376-9027

Mortgage

Document Number	0000168783
Date	May 21, 2021
Instrument	2021000168783

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jun 1, 2022
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	6.62%
Index	Other
Max Rate	9.62%

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	$1,957.00 (-11.09%)	$133,523 (-1.51%) Land $133,523	$133,523 (-1.51%) Land $133,523
2023	$2,201.00 (+1.24%)	$135,566 (+2.31%) Land $135,566	$135,566 (+2.31%) Land $135,566
2022	$2,174.00	$132,500 Land $132,500	$132,500 Land $132,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	7.0 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 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

4G LTE only, no 5G reported

Nearby Properties on Smugglers Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures