2946 Coco Lakes Dr, Naples, FL 34105 Property Records

Collier County property record for 2946 Coco Lakes Dr, Naples, FL 34105

Property Summary

Property Type	Single Family Home
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Apr 2022)
Tax Bill	$7,719 (2025)
Deeds & Mortgages	Mar 2023 Construction Loan Sep 2022 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`222355 634A23`

Property Details

APN / Parcel Number

Primary APN	`222355 634A23`
Alternative APN	`26169502106`

Interior

Building Area	3,139 sqft Living Area

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Lot Area	11,326 sqft (0.26 acres)
Deck Area	Deck Area

Location & Zoning

Street Address	2946 COCO LAKES DR
City	NAPLES
State	FL
Zip	34105-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	COCO LAKES ESTATE HOMES LOT 63
Legal Range	25
Legal Township	49
Legal Section	23
Legal Subdivision	COCO LAKES ESTATE HOMES
Legal Tract	222355
Legal Block	1
Legal Lot Number	63
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1003
Census Tract	10210

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	34 MUSCOOT RIVER RD, YORK, NY 14592
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Deed of Trust, Mortgage · Construction Mortgage VAST BANK NA
Sep 8, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Apr 23, 2022	Warranty Deed, Transfer · Balloon Mortgage SDM ENTERPRISES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2022 · Amount on Record
Deed Sale	Apr 23, 2022 · Amount on Record
Deed Document Number	20226240028
Deed Book / Page	6116 / 163
Last Transfer Date	Aug 25, 2022
Transfer Doc	0061712461
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2946 COCO LAKES DR, NAPLES, FL 34105-4515
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CORPORATE PARK DR 1016, 1016, WEST HARRISON, NY 10604-3308

Mortgage

Document Number	0062231970
Date	Mar 9, 2023
Book Page	6223/1970
Instrument	6373329

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year T-Bill
Margin	3
Max Rate	11.5%

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 8, 2022
Property Address	2946 COCO LAKES DR, NAPLES, FL 34105-4515
Document Number	0061712461
Book / Page	6171 / 2461
Map Reference	MB 43 PG 87
Instrument Date	Aug 25, 2022
Instrument	6305983
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 WEST ST, 616, HARRISON, NY 10528-1700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 HAMILTON AVE STE 401, 401, WHITE PLAINS, NY 10601-1817

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 23, 2022
Property Address	2946 COCO LAKES DR, NAPLES, FL 34105-4515
Document Number	0061160163
Book / Page	6116 / 163
Map Reference	MB 43 PG 87
Instrument Date	Apr 11, 2022
Instrument	6240028
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,495.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9931 TREASURE CAY LN, 9931, BONITA SPRINGS, FL 34135-6878

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 WEST ST, HARRISON, NY 10528-1700

Mortgage

Document Number	0006116165
Date	Apr 23, 2022
Instrument	6116/165

Lender

Name	SDM ENTERPRISES INC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 1, 2023

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		$1,765,232 (+125%) Land $725,074 Building $1,040,158	$1,765,232 (+125%) Land $725,074 Building $1,040,158
2025	$7,719.00 (+18.59%)	$784,534 (+18.26%) Land $784,534	$784,534 (+18.26%) Land $784,534
2023	$6,509.00 (+65.16%)	$663,413 (+151.34%) Land $663,413	$663,413 (+25.52%) Land $663,413
2022	$3,941.00	$263,946	$528,528 Land $528,528

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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 Record median of 117 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	117 in force
Nearby Flood Claims	10 (1995–2022)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 4 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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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