478 Gulf Bend Dr, Captiva, FL 33924 Property Records

Lee County property record for 478 Gulf Bend Dr, Captiva, FL 33924

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,142 sqft · built 1983
Lot Size	0.341 acres (14,854 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,650,000 (Apr 2021)
Tax Bill	$20,388 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`05-45-21-02-00000.0130`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-02-00000.0130`
Alternative APNs	`21054502000000130` `10003697`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,142 sqft Living Area
Gross Area	4,678 sqft
1st Floor Area	1,523 sqft
Upper Floors Area	494 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,854 sqft (0.341 acres)
Lot Dimensions	190 ft deep x 75 ft wide
View / Lot	Gulf
Garage Type	Carport
Garage Area	120 sqft
Carport	Carport
Carport Area	120 sqft
Porch	Florida Room
Porch Area	74 sqft
Deck Area	137 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10003697
Street Address	478 GULF BEND DR
City	CAPTIVA
State	FL
Zip	33924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SAFETY HARBOR CLUB PB 34 PG 33 LOT 13
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	SAFETY HARBOR CLUB
Legal Tract	02
Legal Block	1
Legal Lot Number	13
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1018
Census Tract	80100

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 Record	2 Individual Names on Record
Mailing Address	39W778 GOLDENROD DR, SAINT CHARLES, IL 60175-7959
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Apr 6, 2021	Warranty Deed, Transfer · Commercial Mortgage GOLD COAST BANK (CHICAGO IL)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2021 · Amount on Record
Deed Sale	Apr 6, 2021 · Amount on Record
Prior Sale	Nov 5, 2010 · Amount on Record
Deed Document Number	2021107530
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	478 GULF BEND DR, CAPTIVA, FL 33924
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39W778 GOLDENROD DR, ST CHARLES, IL 60175-7959

Mortgage

Document Number	0000287205
Date	Aug 31, 2021
Instrument	2021000287205

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 6, 2021
Property Address	478 GULF BEND DR, CAPTIVA, FL 33924
Document Number	0000107530
Map Reference	MB 34 PG 32
Instrument Date	Mar 31, 2021
Instrument	2021000107530
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 522, PINELAND, FL 33945-0522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39W778 GOLDENROD DR, SAINT CHARLES, IL 60175-7959

Mortgage

Document Number	0000107531
Date	Apr 6, 2021
Instrument	2021000107531

Lender

Name	GOLD COAST BANK (CHICAGO IL)
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 1, 2022

Tax Assessment & Valuation

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		$1,271,728 (-8.44%) Land $573,006 Building $698,722	$1,271,728 (-8.44%) Land $573,006 Building $698,722
2025	$20,388.00 (+154.53%)	$1,388,906 (+186.66%) Land $796,231 Building $592,675	$1,388,906 (+186.66%) Land $796,231 Building $592,675
2023	$8,010.00 (-66.48%)	$484,510 (-69.51%) Land $484,500 Building $10	$484,510 (-69.51%) Land $484,500 Building $10
2022	$23,898.00	$1,589,041 Land $465,000 Building $1,124,041	$1,589,041 Land $465,000 Building $1,124,041

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	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.

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 and 4G LTE (outdoors only)

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