2185 Trout Ct, Naples, FL 34102 Property Records

Collier County property record for 2185 Trout Ct, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	2,556 sqft · built 1972
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$2,375,000 (Sep 2020)
Tax Bill	$23,298 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`128800 20 35A15`

Property Details

APN / Parcel Number

Primary APN	`128800 20 35A15`
Alternative APN	`18412840002`

Interior

Stories	1 Story
Building Area	2,556 sqft Living Area
1st Floor Area	2,484 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2015
Construction Type	Masonry / Concrete Block
Lot Area	24,829 sqft (0.57 acres)
View / Lot	Waterfront
Pool Area	512 sqft
Deck Area	1,546 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	2185 TROUT CT
City	NAPLES
State	FL
Zip	34102-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	ROYAL HARBOR UNIT 3 BLK 20 LOT 3
Legal Range	25
Legal Township	50
Legal Section	15
Legal Subdivision	ROYAL HARBOR UNIT 3
Legal Tract	128800
Legal Block	20
Legal Lot Number	3
Legal Unit	3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1021
Census Tract	600

Owner

2185 Trout Ct is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2185 TROUT CT, NAPLES, FL 34102-1541
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
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Sep 21, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2020 · Amount on File
Deed Sale	Sep 21, 2020 · Amount on File
Prior Sale	Mar 24, 2009 · Amount on File
Deed Document Number	20205925758
Deed Book / Page	5818 / 1244
Prior Transfer Date	Aug 3, 2000
Prior Transfer Doc	2709000356
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2185 TROUT CT, NAPLES, FL 34102-1541
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2185 TROUT CT, NAPLES, FL 34102-1541

Mortgage

Document Number	0061380768
Date	Jun 9, 2022
Book Page	6138/768
Instrument	6265286

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	Other
Max Rate	9.12%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 21, 2020
Property Address	2185 TROUT CT, NAPLES, FL 34102-1541
Document Number	0058181244
Book / Page	005818 / 001244
Instrument Date	Sep 16, 2020
Instrument	5925758
Transaction Type	Transfer
Record Updated	Oct 2, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$16,625.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2185 TROUT CT NAPLES FL 341021541, NAPLES, FL 34102-1541

Tax Assessment & Valuation

The 2025 property tax bill for 2185 Trout Ct was $23,298 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,545,462 (+2.7%)	$4,451,139 (-22.97%) Land $4,068,188 Building $382,951
2025	$23,298.00 Homeowner's exemption	$2,478,541	$5,778,223 Land $5,207,280 Building $570,943
2023	$18,466.00 (-19.74%) Homeowner's exemption	$1,932,258 (-14.94%)	$5,343,871 (+24.62%) Land $5,257,350 Building $86,521
2022	$23,007.00 Homeowner's exemption	$2,271,601	$4,288,168 Land $3,837,866 Building $450,302

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

Flood

FEMA maps place 2185 Trout 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	Hurricane Milton, Oct 2024 · 65 claims Hurricane Ian, Oct 2022 · 160 claims Hurricane Ian, Sep 2022 · 152 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

The area around 2185 Trout 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.

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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
CenturyLink Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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