Collier County property record for 1244 Cobia Ct, Naples, FL 34102
| Property Type | Single Family Home |
|---|---|
| Details | 2,320 sqft · built 2019 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,825,000 (Jul 2020) |
| Tax Bill | $28,526 (2025) |
| Deeds & Mortgages | Jul 2020 Sale Jul 2018 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 128500 16 75A10 |
| Primary APN | 128500 16 75A10 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,320 sqft Living Area |
| 1st Floor Area | 2,320 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 9,583 sqft (0.22 acres) |
| View / Lot | Waterfront |
| Pool Area | 340 sqft |
| Deck Area | 360 sqft |
| Boat Access | Boat Access |
| Street Address | 1244 COBIA CT |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34102-1549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NAPLES |
| Legal Description | ROYAL HARBOR UNIT 2 BLK 16 LOT 7 |
| Legal Range | 25 |
| Legal Township | 50 |
| Legal Section | 10 |
| Legal Subdivision | ROYAL HARBOR UNIT 2 |
| Legal Tract | 128500 |
| Legal Block | 16 |
| Legal Lot Number | 7 |
| Legal Unit | 2 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 600 |
1244 Cobia Ct is owned and occupied by two individuals who bought it in July 2020.
Source: Collier County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1244 COBIA CT, NAPLES, FL 34102-1549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 8, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jul 5, 2018 | Deed of Trust, Mortgage TIAA FSB |
| Jun 7, 2017 | Warranty Deed, Transfer · ARM FLORIDA COMMUNITY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2020 · Amount on File |
| Deed Sale | Jul 8, 2020 · Amount on File |
| Prior Sale | Jun 7, 2017 · Amount on File |
| Deed Document Number | 20205890762 |
| Deed Book / Page | 5785 / 945 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Jul 8, 2020 |
| Property Address | 1244 COBIA CT, NAPLES, FL 34102-1549 |
| Document Number | 0057850945 |
| Book / Page | 005785 / 000945 |
| Instrument Date | Jul 6, 2020 |
| Instrument | 5890762 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $19,775.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9465 FOX CREEK LN MASON OH 450407550, MASON, OH 45040-7550 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 1244 COBIA CT, NAPLES, FL 34102-1549 |
| Document Number | 0055320868 |
| Instrument Date | Jul 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1022 6TH AVE N NAPLES FL 341025610, NAPLES, FL 34102-5610 |
| Document Number | 0055320868 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 005532/000868 |
| Instrument | 5585193 |
| Name | TIAA FSB |
|---|---|
| Address | 1819 MAIN ST # 301, SARASOTA, FL 34236-5976 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 11, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Jun 7, 2017 |
| Property Address | 1244 COBIA CT, NAPLES, FL 34102-1549 |
| Document Number | 0054023348 |
| Book / Page | 5402 / 3348 |
| Map Reference | MB3 PG69 |
| Instrument Date | May 31, 2017 |
| Instrument | 5414817 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | BRYANT TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2288, NAPLES, FL 34106-2288 |
| Name | Verified Name |
|---|---|
| Address | 325 COCOHATCHEE DR, NAPLES, FL 34110-1194 |
| Document Number | 0005414818 |
|---|---|
| Date | Jun 7, 2017 |
| Instrument | 5414818 |
| Name | FLORIDA COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
The 2025 property tax bill for 1244 Cobia Ct was $28,526 with a homeowner's exemption.
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Municipality | Naples City |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,859,643 (-5.49%) Land $1,624,675 Building $1,234,968 | $2,859,643 (-5.49%) Land $1,624,675 Building $1,234,968 | |
| 2025 | $28,526.00 Homeowner's exemption | $3,025,870 Land $2,079,584 Building $946,286 | $3,025,870 Land $2,079,584 Building $946,286 |
| 2023 | $25,701.00 (+12.09%) | $2,162,592 (+1%) | $3,236,302 (+26.22%) Land $2,099,580 Building $1,136,722 |
| 2022 | $22,928.00 | $1,965,993 | $2,563,995 Land $1,532,693 Building $1,031,302 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1244 Cobia Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 18, 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 | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 406 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 961 units insured incl. 555 condo units |
| Nearby Flood Claims | 440 (1980–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
The area around 1244 Cobia Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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