917 Pepper Tree Pl, Sanibel, FL 33957 Property Records

Lee County property record for 917 Pepper Tree Pl, Sanibel, FL 33957

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,000 sqft · built 2006
Lot Size	0.447 acres (19,471 sqft)
Owner	2 Company Names on Record
Last Sale	$1,436,000 (Jul 2022)
Tax Bill	$12,050 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`20-46-22-T4-00100.0910`

Property Details

APN / Parcel Number

Primary APN	`20-46-22-T4-00100.0910`
Alternative APNs	`222046T4001000910` `10021306`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,000 sqft Living Area
Gross Area	5,331 sqft
1st Floor Area	1,755 sqft
Upper Floors Area	860 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	19,471 sqft (0.447 acres)
Lot Dimensions	135 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	1,163 sqft
Parking Spaces	4 Parking Spaces
Porch	Florida Room
Porch Area	1,011 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10021306
Street Address	917 PEPPER TREE PL
City	SANIBEL
State	FL
Zip	33957-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0000
Legal Description	GULF PINES UNREC OR 788 PG 797 PARC DESC IN OR 2822/3688
Legal Range	22E
Legal Township	46S
Legal Section	20
Legal Subdivision	GULF PINES AND GULF SHORES
Legal Tract	T4
Legal Block	2
Legal Lot Number	9
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	2
Census Block	2001
Census Tract	80203

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	2 Company Names on Record
Mailing Address	917 PEPPER TREE PL, SANIBEL, FL 33957-2911
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Jul 31, 2014 · Amount on Record
Deed Document Number	2022243334
Prior Transfer Date	Mar 7, 2008
Prior Transfer Doc	0000065424
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jul 27, 2022
Property Address	917 PEPPER TREE PL, SANIBEL, FL 33957-2911
Document Number	0000243334
Instrument Date	Jul 15, 2022
Instrument	2022000243334
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	SUPERIOR TTL SVCS OF SANIBEL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,052.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 117, CAPTIVA, FL 33924-0117

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5408 NE 119TH ST, VANCOUVER, WA 98686-3443

Mortgage

Document Number	0000243335
Date	Jul 27, 2022
Instrument	2022000243335

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.4%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.4%
Index	Other
Margin	3
Max Rate	8.4%

Tax Assessment & Valuation

Source: Lee County assessment roll, as of July 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$773,238 (-9.72%) Land $423,367 Building $349,871	$773,238 (-9.72%) Land $423,367 Building $349,871
2025	$12,050.00 (-41.6%) Homeowner's exemption	$856,499 (-39.15%) Land $490,765 Building $365,734	$856,499 (-39.15%) Land $490,765 Building $365,734
2023	$20,635.00 (+97.52%)	$1,407,672 (+82.42%) Land $621,451 Building $786,221	$1,407,672 (+17.23%) Land $621,451 Building $786,221
2022	$10,447.00 Homeowner's exemption	$771,660	$1,200,775 Land $352,930 Building $847,845

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

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 509 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	509 in force
Nearby Flood Claims	809 (1982–2025)
Claims Outside the SFHA	2 of 809
Most Recent Claim	Sep 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Oct 2022 · 241 claims Hurricane Ian, Oct 2022 · 276 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 114 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	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 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