458 NE Cactus Ave, Lee, FL 32059 Property Records

Madison County property record for 458 NE Cactus Ave, Lee, FL 32059

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,945 sqft · built 2020
Lot Size	8.57 acres (373,745 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Jul 2019)
Tax Bill	$1,787 (2025)
Deeds & Mortgages	Mar 2024 Reverse Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-1N-10-5695-002-002`

Property Details

APN / Parcel Number

Primary APN	`22-1N-10-5695-002-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,945 sqft Heated Area
Gross Area	2,750 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Construction Type	Steel Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	373,745 sqft (8.57 acres)
Porch	Open Porch
Shed	1 Shed
Shed Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	458 NE CACTUS AVE
City	LEE
State	FL
Zip	32059-4382
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL OF LAND LOCATED IN PART OF W2 OF NW4 OF NE4 OF SEC 22 T-1N R-10 OR 779/283 TF 5695-2 OR 798/349 OR 1114/14
Legal Range	10E
Legal Township	01N
Legal Section	22
Legal Subdivision	BOB WHITE WOODS
Jurisdiction	MADISON FL
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1020
Census Tract	110400

Owner

Source: Madison County records · APN 22-1N-10-5695-002-002

Assessment roll updated July 1, 2025 · Last verified January 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 File
Mailing Address	458 NE CACTUS AVE, LEE, FL 32059-4382
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Deed of Trust, Mortgage · Reverse Mortgage MISSION LOANS LLC
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage MADISON COUNTY COMMUNITY BANK
Dec 22, 2020	Loan Modification, Mortgage MADISON CNTY BK
Jul 12, 2019	Warranty Deed, Transfer SMITH ABSTRACT AND TITLE COMPANY, SMITH ABSTRACT & TITLE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2019 · Amount on Record
Deed Sale	Jul 12, 2019 · Amount on Record
Prior Sale	Dec 26, 2013 · Amount on Record
Deed Document Number	0001315296
Deed Book / Page	1315 / 296
Record Updated	Jun 08, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON FL
Property Address	458 NE CACTUS AVE, LEE, FL 32059
Transaction Type	Mortgage
Record Updated	Apr 17, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6080 LAKE LIZZIE DR, SAINT CLOUD, FL 34771-8511
Investor	Possibly a Property Investor

Mortgage

Document Number	0015390024
Date	Mar 19, 2024
Book Page	1539/24
Instrument	202440001246

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company
Address	5 PARK PLZ STE 900, IRVINE, CA 92614

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 01, 2044

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON FL
Property Address	458 NE CACTUS AVE, LEE, FL 32059
Transaction Type	Mortgage
Record Updated	Jun 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013310021
Date	Nov 18, 2019
Book Page	1331/021
Instrument	201940003859

Lender

Name	MADISON COUNTY COMMUNITY BANK
Type	Bank
Address	MADISON, FL 32340

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 01, 2025
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	12%

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON FL
Property Address	458 NE CACTUS AVE, LEE, FL 32059
Document Number	0013810007
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 700794 ST CLOUD FL 347700794, ST CLOUD, FL 34770-0794

Mortgage

Document Number	0013810007
Date	Dec 28, 2020
Book Page	001381/000007
Instrument	40004310

Lender

Name	MADISON CNTY BK
Type	Bank
Address	MADISON, FL 32340

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON FL
Recording Date	Jul 12, 2019
Property Address	458 NE CACTUS AVE, LEE, FL 32059
Document Number	0013150296
Book / Page	001315 / 000296
Instrument Date	Jul 12, 2019
Instrument	40002291
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	SMITH ABSTRACT AND TITLE COMPANY, SMITH ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6080 LAKE LIZZIE DR ST CLOUD FL 347718511, ST CLOUD, FL 34771-8511

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Madison County
Unified School District	Madison 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	$1,787.00 (-57.27%) Homeowner's exemption	$166,171 (-46.92%)	$314,867 (+0.57%) Land $63,492 Building $251,375
2023	$4,182.00 (+12.72%)	$313,079 (+24.27%) Land $60,060 Building $253,019	$313,079 (+24.27%) Land $60,060 Building $253,019
2022	$3,710.00	$251,929 Land $46,332 Building $205,597	$251,929 Land $46,332 Building $205,597

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 23, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	13 (2003–2013)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Mar 2013 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Tornadoes, And Straight-line Winds, Apr 2009 · 9 claims

Wildfire

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000

Based on FCC filings for 2 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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