540 Paloma Ave, Lehigh Acres, FL 33974 Property Records

Lee County property record for 540 Paloma Ave, Lehigh Acres, FL 33974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,937 sqft · built 2003
Lot Size	0.38 acres (16,566 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (Jul 2017)
Tax Bill	$3,770 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-45-27-01-00004.0120`

Property Details

APN / Parcel Number

Primary APN	`18-45-27-01-00004.0120`
Alternative APNs	`18-45-27-L1-01004.0120` `271845L1010040120` `10419132`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,937 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,777 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	16,566 sqft (0.38 acres)
Garage Type	Attached
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	210 sqft
Shed	1 Shed
Shed Area	80 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10419132
Street Address	540 PALOMA AVE
City	LEHIGH ACRES
State	FL
Zip	33974-9451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	MIRROR LAKES UNIT 1 BLK 4 PB 27 PG 88 LOT 12
Legal Range	27E
Legal Township	45S
Legal Section	18
Legal Subdivision	LEHIGH ACRES 18-45-27
Legal Tract	01
Legal Block	4
Legal Lot Number	12
Legal Unit	1
Jurisdiction	LEE FL
Township / Civil Division	LEHIGH ACRES
Census Block Group	2
Census Block	2059
Census Tract	40310

Owner

540 Paloma Ave is owned and occupied by two individuals who bought it in July 2017.

Source: Lee County records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	540 PALOMA AVE, LEHIGH ACRES, FL 33974-9451
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Jul 12, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN NATIONWIDE MORTGAGE COMPAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2017 · Amount on File
Deed Sale	Jul 12, 2017 · Amount on File
Prior Sale	May 25, 2011
Deed Document Number	2017149793
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Recording Date	Jul 22, 2026
Property Address	540 PALOMA AVE, LEHIGH ACRES, FL 33974-9451
Document Number	0000193737
Instrument Date	Jun 18, 2026
Instrument	2026193737
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 PALOMA AVE, LEHIGH ACRES, FL 33974-9451

Mortgage

Document Number	0000193737,
Date	Jul 22, 2026
Instrument	2026193737

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jul 1, 2066

Interest

Rate	6.51%
Max Rate	-1%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jul 12, 2017
Property Address	540 PALOMA AVE, LEHIGH ACRES, FL 33974-9451
Document Number	0000149793
Map Reference	MB27 PG88
Instrument Date	Jun 30, 2017
Instrument	2017000149793
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,176.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 18946, GOLDEN, CO 80402-6049

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 PALOMA AVE, LEHIGH ACRES, FL 33974-9451

Mortgage

Document Number	0000149794
Date	Jul 12, 2017
Instrument	2017000149794

Lender

Name	AMERICAN NATIONWIDE MORTGAGE COMPAN
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 540 Paloma Ave was $3,770.

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		$244,761 (-0.49%) Land $23,632 Building $221,129	$244,761 (-0.49%) Land $23,632 Building $221,129
2025	$3,770.00	$245,963 Land $26,648 Building $219,315	$245,963 Land $26,648 Building $219,315
2023	$3,528.00 (+58.28%)	$261,710 (+16.78%) Land $13,321 Building $248,389	$261,710 (+16.78%) Land $13,321 Building $248,389
2022	$2,229.00	$224,113 Land $9,262 Building $214,851	$224,113 Land $9,262 Building $214,851

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 540 Paloma Ave in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force

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

Wildfire risk around 540 Paloma Ave is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
T-Mobile Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000

May also be available: Verizon.

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