4551 Oyster Shell Dr, Captiva, FL 33924 Property Records

Lee County property record for 4551 Oyster Shell Dr, Captiva, FL 33924

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on File
Last Sale	$248,000 (May 2022)
Tax Bill	$1,578 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Aug 2018 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`05-45-21-07-00000.0270`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-07-00000.0270`
Alternative APNs	`05452100000030090` `21054507000000270` `10003360`

Exterior

Lot Area	8,800 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 80 ft wide

Location & Zoning

Account Number	10003360
Street Address	4551 OYSTER SHELL DR
City	UPPER CAPTIVA
State	FL
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RS1
Legal Description	N CAPTIVA DUNES UNREC UT 1 LOT 27 DESC OR 1692 PG 2521
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	UPPER CAPTIVA ISLAND
Legal Tract	07
Legal Block	1
Legal Lot Number	27
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1023
Census Tract	80100

Owner

4551 Oyster Shell Dr, residential vacant land, is owned by two individuals who bought it in May 2022.

Source: Lee County records, as of July 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	154 S HUNTS MEADOW RD, WHITEFIELD, ME 04353-3423
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Aug 21, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jan 22, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on File
Deed Sale	May 26, 2022 · Amount on File
Prior Sale	Jan 22, 2018 · Amount on File
Deed Document Number	2022177063
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	May 26, 2022
Property Address	4551 OYSTER SHELL DR, CAPTIVA, FL 33924
Document Number	0000177063
Instrument Date	May 20, 2022
Instrument	2022000177063
Transaction Type	Transfer
Record Updated	Jun 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,736.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14104 OAKPOINTE DR, 14104, LAUREL, MD 20707-5861

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 S HUNTS MEADOW RD, WHITEFIELD, ME 04353-3423

Mortgage

Document Number	0000177065
Date	May 26, 2022
Instrument	2022000177065

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jun 1, 2025
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 21, 2018
Property Address	4551 OYSTER SHELL DR, CAPTIVA, FL 33924
Document Number	0000200893
Instrument Date	Jul 24, 2018
Instrument	200893
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	14104 OAKPOINTE DR LAUREL MD 207075861, LAUREL, MD 20707-5861

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jan 22, 2018
Property Address	4551 OYSTER SHELL DR, CAPTIVA, FL 33924
Document Number	0000016709
Instrument Date	Jan 19, 2018
Instrument	16709
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12421 93RD AVE SEMINOLE FL 337723208, SEMINOLE, FL 33772-3208

Tax Assessment & Valuation

The 2025 property tax bill for 4551 Oyster Shell Dr was $1,578.

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		$110,956 (+3.04%) Land $110,956	$110,956 (+3.04%) Land $110,956
2025	$1,578.00	$107,680 Land $107,680	$107,680 Land $107,680
2023	$1,829.00 (+20.65%)	$114,922 (-19.86%) Land $114,922	$114,922 (-19.86%) Land $114,922
2022	$1,516.00	$143,400 Land $143,400	$143,400 Land $143,400

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 4551 Oyster Shell 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	8.0 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 4551 Oyster Shell Dr is low, with a 0.04% annual chance of 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

Nearby Properties on Oyster Shell Dr

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