979 E Gulf Dr, #D433, Sanibel, FL 33957 Property Records

Lee County property record for 979 E Gulf Dr, #D433, Sanibel, FL 33957

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,184 sqft · built 1976
Lot Size	0.334 acres (14,540 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Aug 2021)
Tax Bill	$8,249 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2021 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`30-46-23-T2-0070D.4330`

Property Details

APN / Parcel Number

Primary APN	`30-46-23-T2-0070D.4330`
Alternative APNs	`233046T20070D4330` `10128451`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	382 Units
Stories	3 Stories
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Condo/Apartment
Lot Area	14,540 sqft (0.334 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	128 sqft

Location & Zoning

Account Number	10128451
Street Address	979 E GULF DR, D433
City	SANIBEL
State	FL
Zip	33957-6929
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOGGERHEAD CAY PHSE 2 COND BLDG D OR 1080 PG 1784 UNIT 433
Legal Range	23E
Legal Township	46S
Legal Section	30
Legal Subdivision	SANIBEL EAST GULF DRIVE
Legal Phase	2
Legal Tract	T2
Legal Block	3
Legal Lot Number	433
Legal Unit	433
Jurisdiction	LEE FL
Township / Civil Division	SANIBEL ISLAND
Census Block Group	3
Census Block	3006
Census Tract	80202

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 Individual Names on Record
Mailing Address	241 SUMAC RD, HIGHLAND PARK, IL 60035-4441
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Aug 18, 2021	Warranty Deed, Transfer SUPERIOR TITLE SERVICES/SANIBEL INC, SUPERIOR TTL SVCS OF SANIBEL
Nov 1, 2018	Deed of Trust, Mortgage · ARM MORGAN STANLEY PRIVATE BANK NA
Jul 17, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Jul 17, 2018 · Amount on Record
Deed Document Number	2021273704
Prior Transfer Date	Jan 18, 2005
Prior Transfer Doc	0046874787
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	979 E GULF DR # D433, D433, SANIBEL, FL 33957-6929
Transaction Type	Mortgage
Record Updated	Jan 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	979 E GULF DR 433, 433, SANIBEL, FL 33957-6919

Mortgage

Document Number	0000020036
Date	Jan 19, 2022
Instrument	2022000020036

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Feb 1, 2027
Change Frequency	6 Months
Min Rate At Change	4.5%
Max Rate At Change	6.25%
Index	Other
Max Rate	9.25%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Aug 18, 2021
Property Address	979 E GULF DR # D433, D433, SANIBEL, FL 33957-6929
Document Number	0000273704
Map Reference	MB 1062 PG 239
Instrument Date	Aug 9, 2021
Instrument	2021000273704
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	SUPERIOR TITLE SERVICES/SANIBEL INC, SUPERIOR TTL SVCS OF SANIBEL

Transaction

Amount	Amount Recorded
Tax	$5,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	918 WOODBURN DR, 918, BRENTWOOD, TN 37027-8727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	241 SUMAC RD, HIGHLAND PARK, IL 60035-4441

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	979 E GULF DR # D433, D433, SANIBEL, FL 33957-6929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000258237
Date	Nov 1, 2018
Instrument	2018000258237

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.9%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.9%
Index	1-Year LIBOR
Max Rate	8.9%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Jul 17, 2018
Property Address	979 E GULF DR # D433, D433, SANIBEL, FL 33957-6929
Document Number	0000171561
Instrument Date	Jul 17, 2018
Instrument	171561
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,025.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6 OZARK SPRING LN ASHEVILLE NC 288058600, ASHEVILLE, NC 28805-8600

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		$552,396 (-5.45%) Building $552,396	$552,396 (-5.45%) Building $552,396
2025	$8,249.00 (+557.81%)	$584,240 (+578.56%) Building $584,240	$584,240 (+578.56%) Building $584,240
2023	$1,254.00 (-85.36%)	$86,100 (-86.26%) Building $86,100	$86,100 (-86.26%) Building $86,100
2022	$8,565.00	$626,467 Building $626,467	$626,467 Building $626,467

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	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 637 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2,167 units insured incl. 1,530 condo units
Nearby Flood Claims	1,046 (1982–2026)
Claims Outside the SFHA	15 of 1,046
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 118 claims Hurricane Ian, Oct 2022 · 351 claims Hurricane Ian, Oct 2022 · 325 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.

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 125 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
AT&T Fixed Wireless	100 / 20

979 E Gulf Dr, #D433, Sanibel, FL 33957 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Gulf Dr

Nearby Streets

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