Collier County property record for 1275 Cobia Ct, Naples, FL 34102
| Property Type | Single Family Home |
|---|---|
| Details | 2,153 sqft · built 1989 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,350,000 (Jun 2026) |
| Tax Bill | $17,122 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Apr 2023 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 128200 16 25A10 |
| Primary APN | 128200 16 25A10 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,153 sqft Living Area |
| 1st Floor Area | 2,153 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 9,583 sqft (0.22 acres) |
| View / Lot | Waterfront |
| Pool Area | 336 sqft |
| Deck Area | 1,200 sqft |
| Boat Access | Boat Access |
| Street Address | 1275 COBIA CT |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34102-2504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NAPLES |
| Legal Description | ROYAL HARBOR UNIT 1 BLK 16 LOT 2 |
| Legal Range | 25 |
| Legal Township | 50 |
| Legal Section | 10 |
| Legal Subdivision | ROYAL HARBOR UNIT 1 |
| Legal Tract | 128200 |
| Legal Block | 16 |
| Legal Lot Number | 2 |
| Legal Unit | 1 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 600 |
1275 Cobia Ct is owned by two individuals who bought it in June 2026.
Source: Collier County records, as of October 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6896 TRAIL BLVD, NAPLES, FL 34108-2654 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage TBI MORTGAGE COMPANY |
| Apr 28, 2023 | Deed of Trust, Mortgage · Line of Credit BAXTER CU |
| Jun 28, 2022 | Warranty Deed, Transfer ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2026 · Amount on File |
| Deed Sale | Jun 30, 2026 · Amount on File |
| Prior Sale | Jun 28, 2022 · Amount on File |
| Deed Document Number | 20266844590 |
| Deed Book / Page | 6604 / 1389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Jun 30, 2026 |
| Property Address | 1275 COBIA CT, NAPLES, FL 34102-2504 |
| Document Number | 0006844590 |
| Book / Page | 6604 / 1389 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20266844590 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,661,450.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6896 TRAIL BLVD, NAPLES, FL 34108-2654 |
| Document Number | 0006844591, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 20266844591 |
| Name | TBI MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 1275 COBIA CT, NAPLES, FL 34102-2504 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1275 COBIA CT, NAPLES, FL 34102-2504 |
| Document Number | 0062403789 |
|---|---|
| Date | Apr 28, 2023 |
| Book Page | 6240/3789 |
| Instrument | 6395335 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Apr 30, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Jun 28, 2022 |
| Property Address | 1275 COBIA CT, NAPLES, FL 34102-2504 |
| Document Number | 0061462309 |
| Book / Page | 6146 / 2309 |
| Map Reference | MB 3 PG 56 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 6275411 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $23,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 914 MARBLE DR, 914, NAPLES, FL 34104-0817 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1275 COBIA CT, NAPLES, FL 34102-2504 |
The 2025 property tax bill for 1275 Cobia Ct was $17,122.
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 | $2,228,585 (+21.65%) Land $1,627,438 Building $601,147 | $2,228,585 (-12.49%) Land $1,627,438 Building $601,147 | |
| 2025 | $17,122.00 Homeowner's exemption | $1,831,955 | $2,546,636 Land $2,083,120 Building $463,516 |
| 2023 | $16,371.00 (+53.04%) Homeowner's exemption | $1,717,468 (+59.45%) | $2,217,468 (+12%) Land $2,103,150 Building $114,318 |
| 2022 | $10,697.00 Homeowner's exemption | $1,077,129 | $1,979,795 Land $1,535,300 Building $444,495 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1275 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 1275 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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