Collier County property record for 227 Cays Dr, Naples, FL 34114
| Property Type | Single Family Home |
|---|---|
| Details | 1,808 sqft · built 2017 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Nov 2015) |
| Tax Bill | $10,373 (2025) |
| Deeds & Mortgages | Jan 2024 Transfer Feb 2023 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 641500 727D09 |
| Primary APN | 641500 727D09 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,808 sqft Living Area |
| 1st Floor Area | 1,808 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 9,148 sqft (0.21 acres) |
| Pool Area | 288 sqft |
| Deck Area | 280 sqft |
| Boat Access | Boat Access |
| Street Address | 227 CAYS DR |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34114-9633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-4 |
| Legal Description | STELLA MARIS LOT 72 & A PORTION OF TRACT C DESC IN OR 2808 PG 981 |
| Legal Range | 28 |
| Legal Township | 52 |
| Legal Section | 9 |
| Legal Subdivision | STELLA MARIS |
| Legal Tract | C |
| Legal Block | 1 |
| Legal Lot Number | 72 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | EVERGLADES |
| Census Block Group | 1 |
| Census Block | 1162 |
| Census Tract | 11113 |
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 | 227 CAYS DR, NAPLES, FL 34114-9633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 8, 2024 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 2, 2023 | Deed of Trust, Mortgage · Conventional Mortgage VAST BANK NA |
| Jan 12, 2018 | Deed of Trust, Mortgage · Line of Credit HOMESIDE FINANCIAL LLC |
| Jan 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC |
| Jul 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GOLDWATER BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2015 · Amount on Record |
| Deed Sale | Nov 5, 2015 · Amount on Record |
| Prior Sale | Mar 15, 2011 · Amount on Record |
| Deed Document Number | 20155191778 |
| Deed Book / Page | 5211 / 1173 |
| Last Transfer Date | Jan 5, 2024 |
| Transfer Doc | 0063193040 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Jan 8, 2024 |
| Property Address | 227 CAYS DR, NAPLES, FL 34114-9633 |
| Document Number | 0063193040 |
| Book / Page | 6319 / 3040 |
| Map Reference | MB 26 PG 26 |
| Instrument Date | Jan 5, 2024 |
| Instrument | 6494596 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18901 SW 30TH ST, MIRAMAR, FL 33029-5829 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 18901 SW 30TH ST, MIRAMAR, FL 33029-5829 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 227 CAYS DR, NAPLES, FL 34114-9633 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18901 SW 30TH ST, MIRAMAR, FL 33029-5829 |
| Investor | Possibly a Property Investor |
| Document Number | 0062113924 |
|---|---|
| Date | Feb 2, 2023 |
| Book Page | 6211/3924 |
| Instrument | 6358402 |
| Name | VAST BANK NA |
|---|---|
| Type | Bank |
| Address | WAYNE, NJ 07470 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Feb 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 1-Year T-Bill |
| Max Rate | 11.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 227 CAYS DR, NAPLES, FL 34114-9633 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | MEYMAX TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0054672020 |
|---|---|
| Date | Jan 12, 2018 |
| Book Page | 5467/2020 |
| Instrument | 5496091 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MD 21044 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 227 CAYS DR, NAPLES, FL 34114-9633 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | MEYMAX TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0054672009 |
|---|---|
| Date | Jan 12, 2018 |
| Book Page | 5467/2009 |
| Instrument | 5496090 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 227 CAYS DR, NAPLES, FL 34114-9633 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054121393 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 5412/1393 |
| Instrument | 5425831 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Address | PHOENIX, AZ 85016 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2047 |
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $703,720 (+2.56%) Land $246,985 Building $456,735 | $703,720 (-19.73%) Land $246,985 Building $456,735 | |
| 2025 | $10,373.00 (-1.67%) | $686,178 (+21%) | $876,711 (+0.5%) Land $246,985 Building $629,726 |
| 2023 | $10,549.00 (+5.03%) | $567,089 (+1%) | $872,326 (+12.78%) Land $425,363 Building $446,963 |
| 2022 | $10,044.00 | $515,535 | $773,475 Land $307,359 Building $466,116 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 226 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 646 units insured incl. 420 condo units |
| Nearby Flood Claims | 12 (2017–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 97.7% of the US · above 93% of Florida |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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 | PORT OF THE ISLANDS private · serves 1,200 people · EPA ID FL5110230 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Thallium resolved · Apr 2024 Arsenic resolved · Apr 2024 Antimony resolved · Apr 2024 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 940 / 940 |
| T-Mobile Fixed Wireless | 100 / 20 |
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