3404 Atlantic Cir, Naples, FL 34119 Property Records

Collier County property record for 3404 Atlantic Cir, Naples, FL 34119

Property Summary

Property Type	Single Family Home
Details	2,170 sqft · built 2014
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Aug 2018)
Tax Bill	$6,348 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`593600 3663B16`

Property Details

APN / Parcel Number

Primary APN	`593600 3663B16`
Alternative APN	`69770000368`

Interior

Stories	2 Stories
Building Area	2,170 sqft Living Area
1st Floor Area	2,170 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Construction Type	Masonry / Concrete Block
Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Street Address	3404 ATLANTIC CIR
City	NAPLES
State	FL
Zip	34119-8636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERSTONE PLAT TWO LOT 366
Legal Range	26
Legal Township	48
Legal Section	16
Legal Subdivision	RIVERSTONE PLAT 2
Legal Tract	593600
Legal Block	1
Legal Lot Number	366
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	1
Census Block	1000
Census Tract	11209

Owner

3404 Atlantic Cir is owned and occupied by two individuals who bought it in August 2018.

Source: Collier County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3404 ATLANTIC CIR, NAPLES, FL 34119-8636
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jul 31, 2019	Deed of Trust, Mortgage · VA Mortgage LAKE MI CU
Aug 27, 2018	Warranty Deed, Transfer · VA Mortgage LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2018 · Amount on File
Deed Sale	Aug 27, 2018 · Amount on File
Prior Sale	Aug 12, 2014 · Amount on File
Deed Document Number	20185604566
Deed Book / Page	5546 / 2189
Prior Transfer Date	Jul 22, 2015
Prior Transfer Doc	0051791596
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3404 ATLANTIC CIR, NAPLES, FL 34119-8636
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3404 ATLANTIC CIR, NAPLES, FL 34119-8636

Mortgage

Document Number	0060270572
Date	Oct 15, 2021
Book Page	6027/572
Instrument	6143674

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3404 ATLANTIC CIR, NAPLES, FL 34119-8636
Document Number	0056600005
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3404 ATLANTIC CIR NAPLES FL 341198636, NAPLES, FL 34119-8636

Mortgage

Document Number	0056600005
Date	Aug 6, 2019
Book Page	005660/000005
Instrument	5749109

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 27, 2018
Property Address	3404 ATLANTIC CIR, NAPLES, FL 34119-8636
Document Number	0055462189
Book / Page	005546 / 002189
Instrument Date	Aug 21, 2018
Instrument	5604566
Transaction Type	Transfer
Record Updated	Sep 10, 2018
Title Company	PARADISE COAST TITLE AND ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3404 ATLANTIC CIR NAPLES FL 341198636, NAPLES, FL 34119-8636

Mortgage

Document Number	55462191
Date	Aug 27, 2018
Book Page	005546/002191
Instrument	5604567

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3404 Atlantic Cir was $6,348 with exemptions applied, up 2.3% from the year before.

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		$703,018 (+2.7%)	$973,192 (-10.25%) Land $425,855 Building $547,337
2025	$6,348.00 (+2.34%) Homeowner's exemption Veteran's exemption	$684,536	$1,084,283 Land $582,808 Building $501,475
2024	$6,203.00 (+0.8%)
2023	$6,154.00 (-2.73%) Homeowner's exemption Veteran's exemption	$645,868 (+3%)	$1,110,672 (+13.26%) Land $486,540 Building $624,132
2022	$6,327.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$627,056	$980,679 Land $318,222 Building $662,457

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

Flood

FEMA maps place 3404 Atlantic Cir in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 545 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	545 in force
Nearby Flood Claims	3 (2017–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2023
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

Wildfire risk around 3404 Atlantic Cir is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect 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 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
CenturyLink Fiber	940 / 940
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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