100-County Underwriting Atlas › Florida › Lee County

Lee County, FL Property Tax, Landlord Insurance & DSCR Underwriting Matrix

Direct Answer (Lee County PITIA Escrow Takeaway): In Lee County, Florida, 1–4 unit investment properties carry an effective property tax rate of 0.86% ($301/mo on a $420,000 median acquisition) and landlord hazard/windstorm insurance averaging $1020/yr per $100K ($357/mo), resulting in a combined monthly T&I escrow of $658/mo against a median Form 1007 rent of $3,150/mo. Wholesale DSCR, STR/AirDNA, and Fix & Flip loans in Lee County are arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

Effective Tax Rate

0.86% ($301/mo)

Landlord Ins. / $100K

$1020/yr ($357/mo)

1–4u Price / 75% Loan

$420,000 / $315,000

Form 1007 Median Rent

$3,150/mo

Lee County Assessor Reassessment, Wind/Flood & Transfer-Tax Rules

1. Post-Acquisition Tax Reassessment Trigger: Florida Non-Homestead Cap: Reassessed to market value at acquisition; subsequent non-homestead assessment increases capped at 10% per year (Save Our Homes non-homestead provision).
2. Hazard, Windstorm & Catastrophe Insurance Tier: SWFL Gulf Wind + FEMA Base Flood Elevation Check
3. Mortgage Recording, Doc Stamp & Transfer Tax Rule: FL Documentary Stamp Tax ($0.70/$100 on deeds; $0.35/$100 on notes) + $0.20/$100 Non-Recurring Intangible Tax on new mortgage notes.
4. Wholesale Escrow & Tax-Reduction Strategy: On Florida cash-out refinances, assign existing note to pay doc stamps only on the new-money advance.

Price a Lee County, FL DSCR, STR or Fix & Flip Scenario

Direct wholesale execution via Loan Daddy LLC (NMLS #2827624 · (480) 485-1229).

Request Lee County Term Sheet →Florida State Hub FL Market Report FL Deal Team