14099 Mirror Ct, Naples, FL 34114 Property Records

Collier County property record for 14099 Mirror Ct, Naples, FL 34114

Property Summary

Property Type	Single Family Home
Details	2,302 sqft · built 2006
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Oct 2015)
Tax Bill	$4,000 (2025)
Deeds & Mortgages	Sep 2021 Reverse Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`586964 646B12`

Property Details

APN / Parcel Number

Primary APN	`586964 646B12`
Alternative APN	`69060112267`

Interior

Stories	1 Story
Building Area	2,302 sqft Living Area
1st Floor Area	2,302 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Masonry / Concrete Block
Lot Area	7,405 sqft (0.17 acres)
Pool Area	240 sqft
Deck Area	600 sqft

Location & Zoning

Street Address	14099 MIRROR CT
City	NAPLES
State	FL
Zip	34114-8654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	REFLECTION LAKES AT NAPLES PHASE 1C LOT 64
Legal Range	26
Legal Township	51
Legal Section	12
Legal Subdivision	REFLECTION LAKES NAPLES 1C
Legal Phase	1C
Legal Tract	586964
Legal Block	1
Legal Lot Number	64
Jurisdiction	COLLIER FL
Township / Civil Division	EVERGLADES
Census Block Group	1
Census Block	1017
Census Tract	11108

Owner

14099 Mirror Ct is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	14099 MIRROR CT, NAPLES, FL 34114-8654
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
May 31, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
May 31, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2015 · Amount on File
Deed Sale	Oct 5, 2015 · Amount on File
Prior Sale	Mar 20, 2015
Deed Document Number	20155179755
Deed Book / Page	5201 / 1788
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	14099 MIRROR CT, NAPLES, FL 34114-8654
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14099 MIRROR CT, NAPLES, FL 34114-8654

Mortgage

Document Number	0060162865
Date	Sep 24, 2021
Book Page	6016/2865
Instrument	6132874

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Change Frequency	Annually
Index	1-Year LIBOR

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	14099 MIRROR CT, NAPLES, FL 34114-8654
Document Number	0056401792
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14099 MIRROR CT NAPLES FL 341148654, NAPLES, FL 34114-8654

Mortgage

Document Number	0056401792
Date	Jun 11, 2019
Book Page	005640/001792
Instrument	5725365

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	4.59%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	14099 MIRROR CT, NAPLES, FL 34114-8654
Document Number	0056401776
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14099 MIRROR CT NAPLES FL 341148654, NAPLES, FL 34114-8654

Mortgage

Document Number	0056401776
Date	Jun 11, 2019
Book Page	005640/001776
Instrument	5725364

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	4.59%

Tax Assessment & Valuation

The 2025 property tax bill for 14099 Mirror Ct was $4,000 with a homeowner's exemption.

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		$406,920 (+2.7%)	$583,447 (+4.92%) Land $141,292 Building $442,155
2025	$4,000.00 Homeowner's exemption	$396,222	$556,088 Land $219,542 Building $336,546
2023	$3,695.00 (-2.07%) Homeowner's exemption	$373,840 (+3%)	$588,953 (+12.91%) Land $176,418 Building $412,535
2022	$3,773.00 Homeowner's exemption	$362,951	$521,601 Land $98,795 Building $422,806

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 14099 Mirror Ct in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 521 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	601 units insured incl. 80 condo units
Nearby Flood Claims	15 (2017–2024)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Hurricane Irma, Sep 2017 · 10 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

Wildfire risk around 14099 Mirror Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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	COLLIER COUNTY REGIONAL WTP serves 216,993 people · EPA ID FL5114069
Water Source	Groundwater
Last State Inspection	Jul 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	9 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 310 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Blue Stream.

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