Lee County property record for 540 E Lake Rd, Sanibel, FL 33957
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,588 sqft · built 2018 |
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $950,000 (Sep 2023) |
| Tax Bill | $10,401 (2025) |
| Deeds & Mortgages | Sep 2023 Sale Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 25-46-22-T3-01108.0160 |
| Primary APN | 25-46-22-T3-01108.0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,588 sqft Living Area |
| Gross Area | 3,320 sqft |
| 1st Floor Area | 1,383 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 27,007 sqft (0.62 acres) |
| Garage Type | Carport |
| Garage Area | 205 sqft |
| Carport | Carport |
| Carport Area | 205 sqft |
| Porch | Florida Room |
| Porch Area | 1,937 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10021938 |
|---|---|
| Street Address | 540 E LAKE RD |
| City | SANIBEL |
| State | FL |
| Zip | 33957-4303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANIBEL HIGHLANDS BLK 8 PB 7 PG 74 LOTS 16 THRU 20 |
| Legal Range | 22E |
| Legal Township | 46S |
| Legal Section | 25 |
| Legal Subdivision | SANIBEL HIGHLANDS |
| Legal Tract | T3 |
| Legal Block | 8 |
| Legal Lot Number | 16-20 |
| Jurisdiction | LEE FL |
| Township / Civil Division | SANIBEL ISLAND |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 80202 |
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 | 14543 INDIGO LAKES CIR, NAPLES, FL 34119-4823 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 1, 2023 | Warranty Deed, Transfer SUPERIOR TITLE SERVICES/SANIBEL INC, SUPERIOR TTL SVCS OF SANIBEL |
| Mar 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Oct 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SANIBEL CAPTIVA COMMUNITY BANK |
| Oct 11, 2017 | Trustee's Deed, Construction Loan · Line of Credit SANIBEL CAPTIVA CMNTY BK |
| Jul 31, 2017 | Warranty Deed, Transfer COASTAL TITLE, COASTAL TITLE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2023 · Amount on Record |
| Deed Sale | Sep 1, 2023 · Amount on Record |
| Prior Sale | Jul 31, 2017 · Amount on Record |
| Deed Document Number | 2023290398 |
| Prior Transfer Date | Feb 23, 1995 |
| Prior Transfer Doc | 2597003088 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Sep 1, 2023 |
| Property Address | 540 E LAKE RD, SANIBEL, FL 33957-4303 |
| Document Number | 0000290398 |
| Map Reference | MB 7 PG 74 |
| Instrument Date | Aug 22, 2023 |
| Instrument | 2023000290398 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2023 |
| Title Company | SUPERIOR TITLE SERVICES/SANIBEL INC, SUPERIOR TTL SVCS OF SANIBEL |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 E LAKE RD, SANIBEL, FL 33957-4303 |
| Name | Verified Name |
|---|---|
| Address | 14543 INDIGO LAKES CIR, NAPLES, FL 34119-4823 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 540 E LAKE RD, SANIBEL, FL 33957-4303 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 540 E LAKE RD, SANIBEL, FL 33957-4303 |
| Document Number | 0000081533 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 2021000081533 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LEE FL |
| Property Address | 540 E LAKE RD, SANIBEL, FL 33957-4303 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000257055 |
|---|---|
| Date | Oct 31, 2018 |
| Instrument | 2018000257055 |
| Name | SANIBEL CAPTIVA COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SANIBEL, FL 33957 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Oct 11, 2017 |
| Property Address | 540 E LAKE RD, SANIBEL, FL 33957-4303 |
| Instrument Date | Oct 6, 2017 |
| Instrument | 211681 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 14, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 540 E LAKE RD SANIBEL FL 33957, SANIBEL, FL 33957 |
| Document Number | 0000211681 |
|---|---|
| Date | Oct 11, 2017 |
| Instrument | 211681 |
| Name | SANIBEL CAPTIVA CMNTY BK |
|---|---|
| Type | Bank |
| Address | SANIBEL, FL 33957 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 10, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Jul 31, 2017 |
| Property Address | 540 E LAKE RD, SANIBEL, FL 33957-4303 |
| Document Number | 0000164549 |
| Instrument Date | Jul 22, 2017 |
| Instrument | 164549 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2017 |
| Title Company | COASTAL TITLE, COASTAL TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,137.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 550 LEATHER FERN PL SANIBEL FL 339574331, SANIBEL, FL 33957-4331 |
Source: Lee County assessment roll, as of July 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Municipality | Sanibel City |
| Unified School District | Lee County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $624,760 (-10.55%) Land $335,166 Building $289,594 | $624,760 (-10.55%) Land $335,166 Building $289,594 | |
| 2025 | $10,401.00 (+54.11%) | $698,416 (+44.87%) Land $397,286 Building $301,130 | $698,416 (-38.2%) Land $397,286 Building $301,130 |
| 2023 | $6,749.00 (+7.04%) Homeowner's exemption | $482,104 (+3%) | $1,130,191 (+42.85%) Land $365,769 Building $764,422 |
| 2022 | $6,305.00 Homeowner's exemption | $468,062 | $791,187 Land $225,632 Building $565,555 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 278 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 284 units insured incl. 6 condo units |
| Nearby Flood Claims | 565 (1978–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ISLAND WATER ASSOCIATION serves 14,784 people · EPA ID FL5360146 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 3,000 / 3,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures