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Lee County · FL

Property taxes on Captiva

By Mariela Lovo Ol, REALTOR® · Updated

Property taxes on Captiva are set by Lee County's taxing authorities. The Lee County Tax Collector collects them. There is no city layer, because Captiva is unincorporated. The bill depends on taxable value, millage, exemptions and any non-ad valorem assessments. Here is how each piece works.

How is a Captiva property tax bill built?

The Lee County Property Appraiser sets each property's value. Taxing authorities, such as the County Commission and the School Board, set millage rates. A mill is one dollar of tax per $1,000 of taxable value.

Taxable value times the millage gives your ad valorem taxes. Non-ad valorem assessments for services, such as solid waste, are added on. They do not depend on value. Read the current bill for any home you consider to see every line.

What is the TRIM notice and when is the bill due?

In August, the Property Appraiser mails the Notice of Proposed Property Taxes, or TRIM notice. It shows market value, exemptions and proposed taxes before rates are final. Did you buy after January 1 and see a homestead exemption? It was the prior owner's and will be removed.

Bills go out in November and are due by March 31. Paying early earns 4% off in November, 3% in December, 2% in January and 1% in February.

How does the homestead exemption work on Captiva?

Is Captiva your permanent home on January 1? Then file with the Lee County Property Appraiser by March 1. The exemption removes the first $25,000 of assessed value from all taxes. It also removes up to $26,411, for 2026, from non-school taxes on assessed value above $50,000.

From the next year, Save Our Homes limits increases in assessed value to 3% or the CPI change, whichever is less. Portability lets you bring up to $500,000 of Save Our Homes benefit from a prior Florida homestead. You must set up the new one within three years.

What if my Captiva home is a second home or rental?

Second homes and rentals get the 10% non-homestead assessment limit. It does not apply to school taxes. After a sale, the property is reassessed at full market value the next January 1.

The cap resets with any change in ownership or control, including a transfer to an LLC. Model the full cost in the mortgage calculator. Then compare it on the cost of living on Captiva page.

How does the Property Appraiser's value affect renovations?

At permit time, Lee County tests the 50% rule. It uses the Property Appraiser's assessed structure value, not the land. You may submit a Florida-licensed appraisal of the depreciated value instead. That same record helps you estimate how much renovation a home allows.

Common questions

Does Captiva have city property taxes?

No. Captiva is unincorporated, so there is no city millage. The bill includes Lee County, school and district levies plus non-ad valorem assessments.

When is the homestead deadline on Captiva?

March 1. You must own the home and make it your permanent residence by January 1 of that year. File with the Lee County Property Appraiser.

Does buying through an LLC affect the 10% cap?

Yes. The 10% non-homestead cap resets with a change in ownership or control. That includes a transfer to an LLC. The property is reassessed at full market value the next January 1.

Sources

  1. Captiva, Florida (2020 Census population, geography, access), Wikipedia (read 2026-09-24)
  2. CPA2026-00005 – Captiva Community Plan Changes (Lee Plan Goal 23), Lee County Department of Community Development (read 2026-09-24)
  3. Understanding the 50% Rule – Substantial Improvement & Substantial Damage, Lee County Department of Community Development (read 2026-09-24)
  4. Captiva Erosion Prevention District, CEPD (read 2026-09-24)
  5. Alison Hagerup Beach Park, Lee County Parks & Recreation (read 2026-09-24)
  6. Turner Beach, Lee County Parks & Recreation (read 2026-09-24)
  7. Library Branch Locations (Captiva Memorial Library), Lee County Library System (read 2026-09-24)
  8. South Seas, South Seas (read 2026-09-24)
  9. Hurricane Re-Entry Passes (Sanibel and Captiva), City of Sanibel (read 2026-09-24)
  10. Island Water Association, Island Water Association (read 2026-09-24)
  11. About LCEC (service area), LCEC (read 2026-09-24)
  12. Tolls (LeeWay) – Lee County Standard Toll Fares, Lee County (read 2026-09-24)
  13. Sanibel Causeway, Wikipedia (read 2026-09-24)
  14. Bike or Hike on the Shared Use Path, City of Sanibel (read 2026-09-24)
  15. J.N. "Ding" Darling National Wildlife Refuge, U.S. Fish & Wildlife Service (read 2026-09-24)
  16. HealthPark Medical Center, Lee Health (read 2026-09-24)
  17. Evacuation (zones, clearance times, evacuation transportation), Lee County Public Safety (read 2026-09-24)
  18. General Exemption Information, Lee County Property Appraiser (read 2026-09-24)
  19. Student Enrollment Plan 2026-2027, School District of Lee County (read 2026-09-24)
  20. Florida Statutes 509.032 (vacation rentals), Florida Legislature (read 2026-09-24)
  21. Disaster and Flood Related Frequently Asked Questions (NFIP waiting period and limits), Village of Estero (read 2026-09-24)
  22. New Residents' Guide, Lee County (read 2026-09-24)
  23. Frequently Asked Questions, Lee County Property Appraiser (read 2026-09-24)
  24. Transfer of Homestead Assessment Difference or "Portability", Lee County Property Appraiser (read 2026-09-24)
  25. 10% Assessment Limitation Frequently Asked Questions, Lee County Property Appraiser (read 2026-09-24)
  26. Florida's Property Tax System, Lee County Tax Collector (read 2026-09-24)
  27. Real Estate Property Taxes, Lee County Tax Collector (read 2026-09-24)
  28. Sales and Use Tax, Florida Department of Revenue (read 2026-09-24)
  29. Discretionary Sales Surtax Information for Calendar Year 2026 (DR-15DSS), Florida Department of Revenue (read 2026-09-24)
  30. Constitution of the State of Florida, Article VII, Section 5 (estate, inheritance and income taxes), The Florida Senate (read 2026-09-24)
  31. School Zones, The School District of Lee County (read 2026-09-24)
  32. School Grades, Florida Department of Education (read 2026-09-24)
  33. 2025-2026 School Grades Report (posted July 1, 2026), The School District of Lee County (read 2026-09-24)
  34. Charter Schools, The School District of Lee County (read 2026-09-24)

Last reviewed: 2026-09-24. Descriptions cover places and amenities, not the people who live there. We are committed to the Fair Housing Act.