291 Heron Ave, Naples, FL 34108 Property Records

Collier County property record for 291 Heron Ave, Naples, FL 34108

Property Summary

Property Type	Single Family Home
Details	2,527 sqft · built 1978
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,000,000 (Jan 2026)
Tax Bill	$20,935 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2026 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`234100 T 363A29`

Property Details

APN / Parcel Number

Primary APN	`234100 T 363A29`
Alternative APN	`27635480007`

Interior

Stories	1 Story
Building Area	2,527 sqft Living Area
1st Floor Area	2,527 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2015
Construction Type	Masonry / Concrete Block
Lot Area	9,583 sqft (0.22 acres)
View / Lot	Waterfront
Pool Area	392 sqft
Deck Area	1,160 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	291 HERON AVE
City	NAPLES
State	FL
Zip	34108-2113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-3
Legal Description	CONNERS VANDERBILT BCH EST UNIT 3 BLK T LOT 36
Legal Range	25
Legal Township	48
Legal Section	29
Legal Subdivision	CONNERS VANDERBILT BCH EST #3
Legal Tract	234100
Legal Block	T
Legal Lot Number	36
Legal Unit	3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3000
Census Tract	10209

Owner

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	2 Individual Names on Record
Mailing Address	291 HERON AVE, NAPLES, FL 34108-2113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA
Jan 20, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 6, 2023	Deed of Trust, Mortgage · Balloon Mortgage AMERICA HOLDING GROUP LLC
Jan 6, 2023	Warranty Deed, Transfer · Balloon Mortgage ATM INVESTMENT INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Prior Sale	Jan 6, 2023 · Amount on Record
Deed Document Number	20266775521
Deed Book / Page	6546 / 1035
Prior Transfer Date	Jun 1, 1994
Prior Transfer Doc	1984000230
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	291 HERON AVE, NAPLES, FL 34108-2113
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 PEARL ST, WINDSOR ON

Mortgage

Document Number	0065523606
Date	Feb 10, 2026
Book Page	6552/3606
Instrument	6784217

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jan 20, 2026
Property Address	291 HERON AVE, NAPLES, FL 34108-2113
Document Number	0065461035
Book / Page	6546 / 1035
Map Reference	MB 3 PG 89
Instrument Date	Jan 8, 2026
Instrument	6775521
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$14,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 TAMARADE DR, LITTLETON, CO 80127-3517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 ADVANCE BLVD, TUCUMSEH XX

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	291 HERON AVE, NAPLES, FL 34108-2113
Transaction Type	Mortgage
Record Updated	Jan 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3071 NE 43RD ST, FORT LAUDERDALE, FL 33308-5805

Mortgage

Document Number	0062042982
Date	Jan 6, 2023
Book Page	6204/2982
Instrument	6348354

Lender

Name	AMERICA HOLDING GROUP LLC
Type	Non-Lending Institution
Address	HOLLYWOOD, FL 33024

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2024

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jan 6, 2023
Property Address	291 HERON AVE, NAPLES, FL 34108-2113
Document Number	0062042972
Book / Page	6204 / 2972
Map Reference	MB 3 PG 89
Instrument Date	Dec 28, 2022
Instrument	6348352
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	PO BOX 334, UNION, KY 41091-0334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3071 NE 43RD ST, FORT LAUDERDALE, FL 33308-5805

Mortgage

Document Number	0062042974
Date	Jan 6, 2023
Book Page	6204/2974
Instrument	6348353

Lender

Name	ATM INVESTMENT INC
Type	Non-Lending Institution
Address	HOLLYWOOD, FL 33024

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 1, 2024

Tax Assessment & Valuation

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		$1,964,240 (-2.37%) Land $1,392,000 Building $572,240	$1,964,240 (-2.37%) Land $1,392,000 Building $572,240
2025	$20,935.00 (+3.18%)	$2,012,004 (-22.78%) Land $1,248,000 Building $764,004	$2,012,004 (-22.78%) Land $1,248,000 Building $764,004
2024	$20,290.00 (-27.3%)
2023	$27,910.00 (+87.95%)	$2,605,702 (+136.16%) Land $2,524,800 Building $80,902	$2,605,702 (+63.46%) Land $2,524,800 Building $80,902
2022	$14,850.00	$1,103,383	$1,594,083 Land $1,350,720 Building $243,363

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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 218 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	499 units insured incl. 281 condo units
Nearby Flood Claims	411 (1982–2024)
Claims Outside the SFHA	3 of 411
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 68 claims Hurricane Ian, Oct 2022 · 128 claims Hurricane Ian, Oct 2022 · 122 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	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	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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Summit Broadband.

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