357 Emerald Bay Cir, Unit Q3, Naples, FL 34110 Property Records

Collier County property record for 357 Emerald Bay Cir, Unit Q3, Naples, FL 34110

Property Summary

Property Type	Condominium
Details	1,200 sqft · built 1990
Owner	2 Individual Names on Record
Last Sale	$155,000 (Aug 2009)
Tax Bill	$2,557 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`698200 Q-33A08`

Property Details

APN / Parcel Number

Primary APN	`698200 Q-33A08`
Alternative APNs	`8045760262815455633` `80457602628`

Interior

Units	9 Units
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	357 EMERALD BAY CIR, Q3
City	NAPLES
State	FL
Zip	34110-7622
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VILLAGES OF EMERALD BAY, THE (CONDO) UNIT Q-3
Legal Range	25
Legal Township	48
Legal Section	8
Legal Subdivision	VILLAGES OF EMERALD BAY, THE A CONDOMINI
Legal Tract	698200
Legal Block	2
Legal Lot Number	Q3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2000
Census Tract	10113

Owner

Source: Collier County records, as of August 25, 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 Record
Mailing Address	357 EMERALD BAY CIR, Q3, NAPLES, FL 34110-7622
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2009 · Amount on Record
Deed Sale	Aug 31, 2009 · Amount on Record
Prior Sale	Mar 16, 2006 · Amount on Record
Deed Document Number	20094336142
Deed Book / Page	4487 / 133
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	357 EMERALD BAY CIR UNIT Q3, Q3, NAPLES, FL 34110-7622
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054662082
Date	Jan 10, 2018
Book Page	5466/2082
Instrument	5494593

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	357 EMERALD BAY CIR UNIT Q3, Q3, NAPLES, FL 34110-7622
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	TALCON TITLE SERVICES LLC, ACTION TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 EMERALD BAY CIR Q3, Q3, NAPLES, FL 34110-7622

Mortgage

Document Number	0060491482
Date	Dec 2, 2021
Book Page	6049/1482
Instrument	6167032

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

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		$284,400 (+5.72%) Building $284,400	$284,400 (+5.72%) Building $284,400
2025	$2,557.00 (-8.55%)	$269,000 (+9.84%) Building $269,000	$269,000 (-20.08%) Building $269,000
2023	$2,796.00 (+7.75%)	$244,904 (+1%)	$336,600 (+19.2%) Building $336,600
2022	$2,595.00	$222,640	$282,387 Building $282,387

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 235 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,238 units insured incl. 1,003 condo units
Nearby Flood Claims	61 (2017–2022)
Claims Outside the SFHA	42 of 61
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 32 claims Hurricane Ian, Sep 2022 · 26 claims Hurricane Irma, Sep 2017 · 3 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	0.03% 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	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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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