315 Pirates Bight, Naples, FL 34103 Property Records

Collier County property record for 315 Pirates Bight, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	3,729 sqft · built 2004
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,600,000 (Feb 2018)
Tax Bill	$68,521 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Feb 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`112900 18 994A16`

Property Details

APN / Parcel Number

Primary APN	`112900 18 994A16`
Alternative APNs	`1605176000802960018994` `16051760008`

Interior

Stories	2 Stories
Building Area	3,729 sqft Living Area
1st Floor Area	3,729 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Lot Area	24,829 sqft (0.57 acres)
View / Lot	Waterfront
Pool Area	544 sqft
Deck Area	2,414 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	315 PIRATES BIGHT
City	NAPLES
State	FL
Zip	34103-2400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	PARK SHORE UNIT 4 BLK 18 LOT 99
Legal Range	25
Legal Township	49
Legal Section	16
Legal Subdivision	PARK SHORE UNIT 4
Legal Tract	112900
Legal Block	18
Legal Lot Number	99
Legal Unit	4
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3003
Census Tract	301

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	1234 E GENEVA ST, DELAVAN, WI 53115-2002
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2019	Deed of Trust, Mortgage · ARM FIRST MIDWEST BANK
Feb 9, 2018	Affidavit, Transfer · Commercial Mortgage FIRST MIDWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2018 · Amount on Record
Deed Sale	Feb 9, 2018 · Amount on Record
Prior Sale	Jun 23, 2015 · Amount on Record
Deed Document Number	20185508585
Deed Book / Page	5476 / 13
Prior Transfer Date	Feb 13, 2007
Prior Transfer Doc	0041851832
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	315 PIRATES BIGHT, NAPLES, FL 34103-2400
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056122792
Date	Mar 29, 2019
Book Page	5612/2792
Instrument	5690840

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.8%
Index	1-Year LIBOR
Max Rate	8.8%

February 2018: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	COLLIER FL
Recording Date	Feb 9, 2018
Property Address	315 PIRATES BIGHT, NAPLES, FL 34103-2400
Document Number	0054760004
Book / Page	5476 / 0004
Map Reference	MB10 PG101-103
Instrument Date	Feb 2, 2018
Instrument	5508584
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	PRIMIER LAND TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	315 PIRATES BIGHT, NAPLES, FL 34103-2400

Mortgage

Document Number	0005508586
Date	Feb 9, 2018
Instrument	5508586

Lender

Name	FIRST MIDWEST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$8,212,776 (+1%)	$8,637,850 (+12.68%) Land $5,616,780 Building $3,021,070
2025	$68,521.00 (-6.46%)	$7,466,160 (+21%)	$7,666,009 (-22.35%) Land $6,799,260 Building $866,749
2024	$73,250.00 (+0.25%)
2023	$73,066.00 (+14.92%)	$6,170,380 (+11.48%)	$9,872,729 (+29.81%) Land $6,818,968 Building $3,053,761
2022	$63,580.00	$5,535,088	$7,605,741 Land $4,904,336 Building $2,701,405

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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 199 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	245 units insured incl. 46 condo units
Nearby Flood Claims	235 (1985–2024)
Claims Outside the SFHA	11 of 235
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 113 claims Hurricane Ian, Sep 2022 · 71 claims Hurricane Irma, Sep 2017 · 17 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 99.8% of the US · lower than 99.7% 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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Summit Broadband.

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