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4581 Oyster Shell Dr, Captiva, FL 33924 Property Records

Lee County property record for 4581 Oyster Shell Dr, Captiva, FL 33924

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,328 sqft · built 2003
Lot Size0.206 acres (8,973 sqft)
OwnerIndividual Name on Record
Last Sale$2,170,000 (May 2022)
Tax Bill$14,574 (2025)
Deeds & MortgagesMay 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN05-45-21-07-00000.0240

Property Details

APN / Parcel Number

Primary APN05-45-21-07-00000.0240
Alternative APNs
  • 21054507000000240
  • 10003363

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories4 Stories
Building Area2,328 sqft Living Area
Gross Area7,326 sqft
1st Floor Area1,051 sqft
Upper Floors Area1,304 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2004
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area8,973 sqft (0.206 acres)
Lot Dimensions110 ft deep x 80 ft wide
Garage TypeAttached
Garage Area295 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool Area200 sqft
PorchFlorida Room
Porch Area154 sqft
Patio Area885 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10003363
Street Address4581 OYSTER SHELL DR
CityCAPTIVA
StateFL
Zip33924
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS1
Legal DescriptionN CAPTIVA DUNES UNREC UT 1 LOT 24 DESC OR 970 PG 360
Legal Range21E
Legal Township45S
Legal Section05
Legal SubdivisionUPPER CAPTIVA ISLAND
Legal Tract07
Legal Block1
Legal Lot Number24
JurisdictionLEE FL
Township / Civil DivisionSANIBEL ISLAND
Census Block Group1
Census Block1023
Census Tract80100

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address3317 W SAN PEDRO ST, TAMPA, FL 33629-8025
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 19, 2022 · Amount on Record
Deed SaleMay 19, 2022 · Amount on Record
Prior SaleOct 16, 2013 · Amount on Record
Deed Document Number2022169295
Prior Transfer DateApr 23, 2009
Prior Transfer Doc0000118427
Record UpdatedOct 29, 2026

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLEE FL
Recording DateMay 19, 2022
Property Address4581 OYSTER SHELL DR, CAPTIVA, FL 33924
Document Number0000169295
Instrument DateMay 6, 2022
Instrument2022000169295
Transaction TypeTransfer
Record UpdatedMay 31, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$15,190.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address25 LAKEVIEW, 25, BALE XX

Transferred To (Grantee/Buyer)

NameVerified Name
Address3317 W SAN PEDRO ST, TAMPA, FL 33629-8025

Mortgage

Document Number0000169296
DateMay 19, 2022
Instrument2022000169296
Lender
NameHAMILTON HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2052

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$1,072,018 (+1%)$1,180,919 (+15.37%) Land $115,492 Building $1,065,427
2025$14,574.00 (-35.23%)$974,562 (-34.06%)$1,023,592 (-30.75%) Land $120,748 Building $902,844
2023$22,501.00 (+49.44%)$1,478,030 (+27.53%) Land $116,234 Building $1,361,796$1,478,030 (+27.53%) Land $116,234 Building $1,361,796
2022$15,057.00$1,159,008 Land $289,800 Building $869,208$1,159,008 Land $289,800 Building $869,208

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 23, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
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

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