Lee County property record for 460 Useppa Island, Captiva, FL 33924
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.541 acres (23,566 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,100,000 (May 2008) |
| Tax Bill | $7,363 (2025) |
| Deeds & Mortgages | Nov 2018 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 09-44-21-00-00001.001F |
| Primary APN | 09-44-21-00-00001.001F |
|---|---|
| Alternative APNs |
|
| Lot Area | 23,566 sqft (0.541 acres) |
|---|---|
| View / Lot | Bay |
| Account Number | 10443194 |
|---|---|
| Street Address | 460 USEPPA IS |
| City | USEPPA ISLAND |
| State | FL |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | RM2 |
| Legal Description | USEPPA ISLAND PHASE IIIA DESC OR LOT F |
| Legal Range | 21E |
| Legal Township | 44S |
| Legal Section | 09 |
| Legal Subdivision | USEPPA ISLAND |
| Legal Phase | 3 |
| Legal Tract | 00 |
| Legal Block | 1 |
| Legal Lot Number | F |
| Jurisdiction | LEE FL |
| Township / Civil Division | SANIBEL ISLAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 80100 |
460 Useppa Island, residential vacant land, is owned by a company that bought it in May 2008.
Source: Lee County records, as of July 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1 WEBSTERS LNDG, 2, SYRACUSE, NY 13202-1172 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2008 · Amount on File |
| Deed Sale | May 2, 2008 · Amount on File |
| Deed Document Number | 2008118266 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 460 USEPPA IS, CAPTIVA, FL 33924 |
| Document Number | 0000289363 |
| Instrument Date | Nov 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 406 USEPPA IS USEPPA ISLAND FL, USEPPA ISLAND, FL |
| Document Number | 0000289363 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 289363 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Dec 10, 2028 |
The 2025 property tax bill for 460 Useppa Island was $7,363.
Source: Lee County assessment roll, as of July 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Unified School District | Lee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $477,750 (+2.19%) Land $477,750 | $477,750 (-1.64%) Land $477,750 | |
| 2025 | $7,363.00 | $467,500 Land $467,500 | $485,724 Land $485,724 |
| 2023 | $7,620.00 (+22.65%) | $543,786 (+34.09%) Land $494,544 Building $49,242 | $543,786 (+34.09%) Land $494,544 Building $49,242 |
| 2022 | $6,213.00 | $405,542 Land $356,300 Building $49,242 | $405,542 Land $356,300 Building $49,242 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 460 Useppa Island 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 |
|
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 risk around 460 Useppa Island is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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