1078 Highlands Dr, Naples, FL 34103 Property Records

Collier County property record for 1078 Highlands Dr, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	1,809 sqft · built 1978
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Jun 2010)
Tax Bill	$3,701 (2025)
Deeds & Mortgages	Apr 2021 Transfer May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`263500 C 84A22`

Property Details

APN / Parcel Number

Primary APN	`263500 C 84A22`
Alternative APNs	`29780880000057000C84` `29780880000`

Interior

Stories	1 Story
Building Area	1,809 sqft Living Area
1st Floor Area	1,809 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Masonry / Concrete Block
Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	1078 HIGHLANDS DR
City	NAPLES
State	FL
Zip	34103-2349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF-6
Legal Description	DECKER HIGHLANDS BLK C LOT 8
Legal Range	25
Legal Township	49
Legal Section	22
Legal Subdivision	DECKER HIGHLANDS
Legal Tract	263500
Legal Block	C
Legal Lot Number	8
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3012
Census Tract	10300

Owner

Source: Collier County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1078 HIGHLANDS DR, NAPLES, FL 34103-2349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 3, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 13, 2017	Deed of Trust, Mortgage · ARM SUNCOAST CU
Dec 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2010 · Amount on Record
Deed Sale	Jun 15, 2010 · Amount on Record
Deed Document Number	20104442381
Deed Book / Page	4577 / 228
Prior Transfer Date	Sep 29, 1995
Prior Transfer Doc	2109000875
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Apr 12, 2021
Property Address	1078 HIGHLANDS DR, NAPLES, FL 34103-2349
Document Number	0059261310
Book / Page	5926 / 1310
Map Reference	MB 1 PG 80
Instrument Date	Apr 12, 2021
Instrument	6036795
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 HIGHLANDS DR, NAPLES, FL 34103-2349

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	May 3, 2021
Property Address	1078 HIGHLANDS DR, NAPLES, FL 34103-2349
Document Number	0059383868
Book / Page	5938 / 3868
Map Reference	MB 1 PG 80
Instrument Date	Mar 26, 2021
Instrument	6050275
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	NAPLES TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1078 HIGHLANDS DR, NAPLES, FL 34103-2349

Mortgage

Document Number	59383870
Date	May 3, 2021
Instrument	5938/3870

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	1078 HIGHLANDS DR, NAPLES, FL 34103-2349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053622297
Date	Feb 13, 2017
Book Page	5362/2297
Instrument	5367089

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Apr 1, 2022
Change Frequency	5 Years
Min Rate At Change	2.5%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 18, 2020
Property Address	1078 HIGHLANDS DR, NAPLES, FL 34103-2349
Document Number	0058631379
Book / Page	005863 / 001379
Instrument Date	Dec 16, 2020
Instrument	5972242
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1078 HIGHLANDS DR NAPLES FL 341032349, NAPLES, FL 34103-2349

Tax Assessment & Valuation

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$411,875 (+2.7%)	$478,908 (+19.41%) Land $296,064 Building $182,844
2025	$3,701.00 (-4.91%) Homeowner's exemption	$401,047 (-1.36%) Land $276,480 Building $124,567	$401,047 (-14.24%) Land $276,480 Building $124,567
2024	$3,892.00 (+0.96%)
2023	$3,855.00 (-2.38%) Homeowner's exemption	$406,586 (+3%)	$467,655 (+18.47%) Land $340,800 Building $126,855
2022	$3,949.00 Homeowner's exemption	$394,744 Land $258,720 Building $136,024	$394,744 Land $258,720 Building $136,024

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 June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 141 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	141 in force
Nearby Flood Claims	68 (1979–2024)
Claims Outside the SFHA	33 of 68
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 42 claims Hurricane Wilma, Oct 2005 · 9 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Hotwire Communications, Summit Broadband.

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