640 E Gulf Dr, #3, Sanibel, FL 33957 Property Records

Lee County property record for 640 E Gulf Dr, #3, Sanibel, FL 33957

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,887 sqft · built 1986
Lot Size	0.042 acres (1,845 sqft)
Owner	Individual Name on Record
Last Sale	$1,080,000 (Jun 2022)
Tax Bill	$9,416 (2025)
Deeds & Mortgages	Jun 2022 Sale Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`05-45-21-05-00000.0030`

Property Details

APN / Parcel Number

Primary APN	`05-45-21-05-00000.0030`
Alternative APNs	`21054505000000030` `10003781`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,887 sqft Living Area
Gross Area	1,631 sqft
1st Floor Area	1,460 sqft
Upper Floors Area	724 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1988
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Metal
Lot Area	1,845 sqft (0.042 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces
Porch	Florida Room
Porch Area	249 sqft
Patio Area	410 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10003781
Street Address	640 E GULF DR, 3
City	SANIBEL
State	FL
Zip	33957
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BEACH VILLAS OF UPPER CAPTIVA OR 1897/4721 UNIT 3
Legal Range	21E
Legal Township	45S
Legal Section	05
Legal Subdivision	BEACH VILLAS OF UPPER CAPTIVA
Legal Tract	05
Legal Block	1
Legal Lot Number	3
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	Individual Name on Record
Mailing Address	4511 BARTLETT PKWY, CAPTIVA, FL 33924
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 11, 2021	Warranty Deed, Transfer · Balloon Mortgage JTBH LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Prior Sale	Mar 11, 2021 · Amount on Record
Deed Document Number	2022195980
Last Transfer Date	Jul 11, 2024
Transfer Doc	0000222426
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jun 13, 2022
Property Address	640 GULF DR # 3, 3, CAPTIVA, FL 33924
Document Number	0000195980
Map Reference	MB 1897 PG 4721
Instrument Date	Jun 7, 2022
Instrument	2022000195980
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$7,560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2629 VAREO CT, CAPE CORAL, FL 33991-3195

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	752 W MONTROSE ST # 4, 4, CLERMONT, FL 34711-2122

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Mar 11, 2021
Property Address	640 GULF DR # 3, 3, CAPTIVA, FL 33924
Document Number	0000076785
Map Reference	MB 1897 PG 4721
Instrument Date	Mar 10, 2021
Instrument	2021000076785
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	429 S KALAMAZOO ST # 85, 85, PAW PAW, MI 49079-1572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2629 VAREO CT, CAPE CORAL, FL 33991-3195

Mortgage

Document Number	0000076786
Date	Mar 11, 2021
Instrument	2021000076786

Lender

Name	JTBH LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Mar 10, 2024

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		$704,649 (+1%) Building $704,649	$945,770 (+47.64%) Building $945,770
2025	$9,416.00 (+5.14%)	$640,590 (+5.81%) Building $640,590	$640,590 (+5.81%) Building $640,590
2023	$8,956.00 (+15.91%)	$605,407 (+17.28%) Building $605,407	$605,407 (+17.28%) Building $605,407
2022	$7,727.00	$516,187 Building $516,187	$516,187 Building $516,187

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 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 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	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.

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

4G LTE only, no 5G reported

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