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781 Rum Rd, Captiva, FL 33924 Property Records

Lee County property record for 781 Rum Rd, Captiva, FL 33924 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,040 sqft · built 2003
Lot Size0.284 acres (12,371 sqft)
Owner2 Individual Names on File
Last Sale$441,000 (May 2003)
Tax Bill$1,454 (2025)
Deeds & MortgagesJun 2017 Mortgage
Flood ZoneZone AE (high risk)
APN05-45-21-09-00000.0010

Property Details

APN / Parcel Number

Primary APN05-45-21-09-00000.0010
Alternative APNs
  • 05452100000030130
  • 21054509000000010
  • 10003364

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,040 sqft Living Area
Gross Area4,962 sqft
1st Floor Area2,040 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialAluminum/Vinyl
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area12,371 sqft (0.284 acres)
Lot Dimensions163 ft deep x 75 ft wide
Garage TypeCarport
Garage Area289 sqft
CarportCarport
Carport Area289 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool Area392 sqft
PorchSlab
Porch Area385 sqft
Deck Area361 sqft
Patio Area954 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number10003364
Street Address781 RUM RD
CityCAPTIVA
StateFL
Zip33924
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionN CAPTIVA DUNES UNREC UT 3 LOT 1 DESC OR 1060/116
Legal Range21E
Legal Township45S
Legal Section05
Legal SubdivisionUPPER CAPTIVA ISLAND
Legal Tract09
Legal Block1
Legal Lot Number1
JurisdictionLEE FL
Township / Civil DivisionSANIBEL ISLAND
Census Block Group1
Census Block1018
Census Tract80100

Owner

Source: Lee County records · APN 05-45-21-09-00000.0010

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 Record2 Individual Names on File
Mailing AddressPO BOX 610, BOKEELIA, FL 33922-0610
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 19, 2003 · Amount on Record
Deed SaleMay 19, 2003 · Amount on Record
Prior SaleNov 09, 2001 · Amount on Record
Deed Book / Page3937 / 1777
Prior Transfer DateApr 25, 2002
Prior Transfer Doc3643000566
Record UpdatedJun 08, 2026

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLEE FL
Property Address781 RUM RD, CAPTIVA, FL 33924
Document Number0000139065
Instrument DateJun 26, 2017
Transaction TypeMortgage
Record UpdatedAug 23, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address4461 SMUGGLERS DR CAPTIVA FL 33924, CAPTIVA, FL 33924

Mortgage

Document Number0000139065
DateJun 26, 2017
Instrument139065
Lender
NameFIRSTBANK
TypeBank
AddressFRANKLIN, TN 37067
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 25, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyLee County
Unified School DistrictLee 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,454.00 (-41.01%) Homeowner's exemption$138,984 (+1.9%) Land $138,974 Building $10$138,984 (+1.9%) Land $138,974 Building $10
2023$2,465.00 (-64.92%) Homeowner's exemption$136,387 (-69.03%) Land $136,377 Building $10$136,387 (-81.39%) Land $136,377 Building $10
2022$7,027.00 Homeowner's exemption$440,451$732,831 Land $143,400 Building $589,431

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 ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 774 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies857 units insured
83 under condo master policies
Nearby Flood Claims1,041 (1988–2024)
Claims Outside the SFHA76 of 1,041
Most Recent ClaimNov 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 RiskModerate
above 58% of the US · above 30% of Florida
Wildfire LikelihoodAbout 1 in 637 per year
ExposureDirect
burnable vegetation at the parcel

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 6 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE only, no 5G reported

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