531 Rum Rd, Captiva, FL 33924 Property Records

Lee County property record for 531 Rum Rd, Captiva, FL 33924 · Last verified May 2026

Property Summary

Property Type	Commercial Vacant Land
Lot Size	1.59 acres (69,260 sqft)
Owner	Company Name on File
Last Sale	$8,450,000 (Apr 2022)
Tax Bill	$14,571 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`05-45-21-16-00000.0480`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-16-00000.0480`
Alternative APNs	`21054516000000480` `10003537`

Exterior

Lot Area	69,260 sqft (1.59 acres)

Location & Zoning

Account Number	10003537
Street Address	531 RUM RD
City	UPPER CAPTIVA
State	FL
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	FR SE COR GL2; N 8 E FOR 330.15 FT; N 81 E FOR 151FT TO POB; CONT N81E FOR 319FT
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	CAPTIVA & ISLANDS N
Legal Tract	16
Legal Block	1
Legal Lot Number	2
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	1
Census Block	1018
Census Tract	80100

Owner

Source: Lee County records · APN 05-45-21-16-00000.0480

Assessment roll updated April 13, 2026 · Last verified May 2026

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

Owner of Record	Company Name on File
Mailing Address	5576 DOUG TAYLOR CIR, SAINT JAMES CITY, FL 33956-3200
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · SBA Mortgage U S SMALL BUSINESS ADMINI
Feb 05, 2026	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Apr 06, 2022	Warranty Deed, Transfer · Line of Credit CSCJ FAMILY LIMITED PARTNERSHIP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 06, 2022 · Amount on Record
Deed Sale	Apr 06, 2022 · Amount on Record
Prior Sale	Nov 05, 2015 · Amount on Record
Deed Document Number	2022115869
Prior Transfer Date	Mar 31, 2022
Prior Transfer Doc	0000115869
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Recording Date	Apr 16, 2026
Property Address	531 RUM RD, UPPER CAPTIVA, FL
Document Number	0000099279
Instrument Date	Mar 23, 2026
Instrument	202699279
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	5576 DOUG TAYLOR CIR, SAINT JAMES CITY, FL 33956-3200

Mortgage

Document Number	0000099279,
Date	Apr 16, 2026
Instrument	202699279

Lender

Name	U S SMALL BUSINESS ADMINI

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2055

Interest

Rate	6.01%
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	531 RUM RD, CAPTIVA, FL 33924
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5576 DOUG TAYLOR CIR, SAINT JAMES CITY, FL 33956-3200

Mortgage

Document Number	0000029868
Date	Feb 05, 2026
Instrument	2026000029868

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Oct 27, 2055

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Apr 06, 2022
Property Address	531 RUM RD, CAPTIVA, FL 33924
Document Number	0000115869
Instrument Date	Mar 31, 2022
Instrument	2022000115869
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$59,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4421 BARTLETT PKWY, CAPTIVA, FL 33924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5576 DOUG TAYLOR CIR, ST JAMES CITY, FL 33956-3200
Investor	Possibly a Property Investor

Mortgage

Document Number	0000115870
Date	Apr 06, 2022
Instrument	2022000115870

Lender

Name	CSCJ FAMILY LIMITED PARTNERSHIP
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 31, 2023

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lee County
Unified School District	Lee County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,571.00 (+26.4%)	$771,002 (+1%) Land $771,002	$1,385,200 (+97.63%) Land $1,385,200
2023	$11,528.00 (+21.14%)	$700,911 (+26.5%) Land $700,911	$700,911 (+26.5%) Land $700,911
2022	$9,516.00	$554,080 Land $554,080	$554,080 Land $554,080

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120710801001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 774 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	857 units insured 83 under condo master policies
Nearby Flood Claims	1,041 (1988–2024)
Claims Outside the SFHA	76 of 1,041
Most Recent Claim	Nov 2024, other causes
Claims By Storm	Hurricane Milton, Oct 2024 · 269 claims Hurricane Ian, Oct 2022 · 239 claims Hurricane Ian, Oct 2022 · 230 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 178 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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