1. Home
  2. Florida
  3. Lee County
  4. Captiva
  5. Oyster Shell Dr

4570 Oyster Shell Dr, Captiva, FL 33924 Property Records

Lee County property record for 4570 Oyster Shell Dr, Captiva, FL 33924

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · built 2023
Lot Size0.203 acres (8,843 sqft)
Owner2 Individual Names on Record
Last Sale$120,000 (Jul 2020)
Tax Bill$12,110 (2025)
Deeds & MortgagesAug 2021 Construction Loan
Jul 2020 Sale
Flood ZoneZone X (moderate risk)
APN05-45-21-07-00000.0160

Property Details

APN / Parcel Number

Primary APN05-45-21-07-00000.0160
Alternative APNs
  • 21054507000000160
  • 10003404

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Lot Area8,843 sqft (0.203 acres)
Lot Dimensions110 ft deep x 80 ft wide
Pool TypePool Type
Pool Area250 sqft
Patio Area887 sqft

Location & Zoning

Account Number10003404
Street Address4570 OYSTER SHELL DR
CityUPPER CAPTIVA
StateFL
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS1
Legal DescriptionN CAPTIVA DUNES UNREC UT 1 LT 16 DESC IN OR 1106PG 1179
Legal Range21E
Legal Township45S
Legal Section05
Legal SubdivisionUPPER CAPTIVA ISLAND
Legal Tract07
Legal Block1
Legal Lot Number16
JurisdictionLEE FL
Township / Civil DivisionSANIBEL ISLAND
Census Block Group1
Census Block1018
Census Tract80100

Owner

Source: Lee County records, as of October 15, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address3452 MILLINGTON DR, SAINT CHARLES, MO 63301-8167
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2021Deed of Trust, Mortgage · Construction Mortgage
LAKE MICHIGAN CU
Jul 30, 2020Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 30, 2020 · Amount on Record
Deed SaleJul 30, 2020 · Amount on Record
Prior SaleOct 7, 2010 · Amount on Record
Deed Document Number2020174038
Last Transfer DateSep 23, 2025
Transfer Doc0000256022
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address4570 OYSTER SHELL DR, CAPTIVA, FL 33924
Transaction TypeMortgage
Record UpdatedAug 27, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3452 MILLINGTON DR, SAINT CHARLES, MO 63301-8167

Mortgage

Document Number0000273020
DateAug 18, 2021
Instrument2021000273020
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
AddressGRAND RAPIDS, MI 49501
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term373 Months
DueSep 1, 2052

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateJul 30, 2020
Property Address4570 OYSTER SHELL DR, CAPTIVA, FL 33924
Document Number0000174038
Instrument DateJul 27, 2020
Instrument174038
Transaction TypeTransfer
Record UpdatedAug 20, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$840.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3452 MILLINGTON DR ST CHARLES MO 633018167, ST CHARLES, MO 63301-8167

Tax Assessment & Valuation

Source: Lee County assessment roll, as of July 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
Unified School DistrictLee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$884,367 (+1%)$990,031 (+15.1%) Land $117,436 Building $872,595
2025$12,110.00 (+552.48%)$803,970 (+597.44%)$860,134 (+646.16%) Land $126,623 Building $733,511
2023$1,856.00 (-39.82%)$115,274 (-60.22%) Land $115,274$115,274 (-60.22%) Land $115,274
2022$3,084.00$289,800 Land $289,800$289,800 Land $289,800

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 774 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies857 units insured
incl. 83 condo units
Nearby Flood Claims1,041 (1988–2024)
Claims Outside the SFHA76 of 1,041
Most Recent ClaimNov 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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

ProviderMax 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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