2345 Tarpon Rd, Naples, FL 34102 Property Records

Collier County property record for 2345 Tarpon Rd, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	3,436 sqft · built 2025
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$1,900,000 (Jul 2019)
Tax Bill	$28,391 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`128800 12 355A15`

Property Details

APN / Parcel Number

Primary APN	`128800 12 355A15`
Alternative APNs	`1841048000803430012355` `18410480008`

Interior

Stories	1 Story
Building Area	3,436 sqft Living Area
1st Floor Area	1,692 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Construction Type	Masonry / Concrete Block
Lot Area	17,424 sqft (0.4 acres)
View / Lot	Waterfront
Pool Area	256 sqft
Deck Area	1,043 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	2345 TARPON RD
City	NAPLES
State	FL
Zip	34102-1561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	ROYAL HARBOR UNIT 3 BLK 12 LOT 35
Legal Range	25
Legal Township	50
Legal Section	15
Legal Subdivision	ROYAL HARBOR UNIT 3
Legal Tract	128800
Legal Block	12
Legal Lot Number	35
Legal Unit	3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1011
Census Tract	600

Owner

Source: Collier County records, as of September 24, 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	PENHURST LN, PENHURST NR BATTLE EAST SUSSEX, GB TN33
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2018	Deed of Trust, Mortgage · ARM BOSTON PRIVATE BANK & TRUST COMPANY
Jul 24, 2019	Warranty Deed, Transfer · Commercial Mortgage FINEMARK NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2019 · Amount on File
Deed Sale	Jul 24, 2019 · Amount on File
Prior Sale	Sep 20, 2016 · Amount on File
Deed Document Number	20195743223
Deed Book / Page	5655 / 438
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2345 TARPON RD, NAPLES, FL 34102-1561
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055241302
Date	Jun 21, 2018
Book Page	5524/1302
Instrument	5574900

Lender

Name	BOSTON PRIVATE BANK & TRUST COMPANY
Type	Bank
Address	BOSTON, MA 02109

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 24, 2019
Property Address	2345 TARPON RD, NAPLES, FL 34102-1561
Document Number	0056550438
Book / Page	5655 / 0438
Map Reference	MB 3 PG 70
Instrument Date	Jul 10, 2019
Instrument	5743223
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BRYANT TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	402 TILDEN RD, 402, SCITUATE, MA 02066-2134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	LITTLE BEECH FARMHOUSE PENHURST LANE PENHURST NR BATTLE EAST, XX

Mortgage

Document Number	0056550440
Date	Jul 24, 2019
Instrument	5655-0440

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

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		$6,984,203 (+186.51%)	$7,146,493 (+96.33%) Land $2,843,750 Building $4,302,743
2025	$28,391.00 (+6.03%)	$2,437,691 (+21%)	$3,640,000 (-0.95%) Land $3,640,000
2023	$26,776.00 (+10.38%)	$2,014,621 (+1.8%)	$3,675,000 (+29.17%) Land $3,675,000
2022	$24,258.00	$1,979,022	$2,845,053 Land $2,682,750 Building $162,303

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

Flood

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 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 0.01% 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	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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