3603 Arctic Cir, Naples, FL 34112 Property Records

Collier County property record for 3603 Arctic Cir, Naples, FL 34112

Property Summary

Property Type	Condominium
Details	1,246 sqft · built 1985
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jan 2026)
Tax Bill	$2,293 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`516400 4025A12`

Property Details

APN / Parcel Number

Primary APN	`516400 4025A12`
Alternative APNs	`63551840002121000I4025` `63551840002`

Interior

Building Area	1,246 sqft Living Area
1st Floor Area	1,246 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	3603 ARCTIC CIR
City	NAPLES
State	FL
Zip	34112-5007
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	NAPLES WINTERPARK I A CONDOMINIUM UNIT 402
Legal Range	25
Legal Township	50
Legal Section	12
Legal Subdivision	NAPLES WINTERPARK I A CONDOMINIUM
Legal Tract	516400
Legal Block	1
Legal Lot Number	402
Legal Unit	402
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1000
Census Tract	10604

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	3603 ARCTIC CIR, 402, NAPLES, FL 34112-5007
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 3, 2020	Warranty Deed, Transfer · Conventional with PMI SUNCOAST CU
May 11, 2017	Warranty Deed, Transfer · FHA Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2026 · Amount on Record
Deed Sale	Jan 28, 2026 · Amount on Record
Prior Sale	Jan 3, 2020 · Amount on Record
Deed Document Number	20266779154
Deed Book / Page	6549 / 246
Prior Transfer Date	Feb 21, 1986
Prior Transfer Doc	0032320454
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jan 28, 2026
Property Address	3603 ARCTIC CIR, NAPLES, FL 34112-5007
Document Number	0065490246
Book / Page	6549 / 246
Map Reference	MB 1126 PG 158-237
Instrument Date	Jan 16, 2026
Instrument	6779154
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	TOWN TITLE AGENCY FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6524 EDGE VIEW RD, CASTLE PINES, CO 80108-8947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 ARCTIC CIR # 402, 402, NAPLES, FL 34112-5007

Mortgage

Document Number	0065542616
Date	Feb 17, 2026
Book Page	6554/2616
Instrument	6786443

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jan 3, 2020
Property Address	3603 ARCTIC CIR, NAPLES, FL 34112-5007
Document Number	0057131822
Book / Page	005713 / 001822
Instrument Date	Dec 2, 2019
Instrument	5811339
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,218.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6981 RAIN LILY RD #101 NAPLES FL 34109, 101, NAPLES, FL 34109

Mortgage

Document Number	57131824
Date	Jan 3, 2020
Book Page	005713/001824
Instrument	5811340

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 11, 2017
Property Address	3603 ARCTIC CIR, NAPLES, FL 34112-5007
Document Number	0053930617
Book / Page	5393 / 0617
Map Reference	MB1126 PG158
Instrument Date	May 10, 2017
Instrument	5403730
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	OMEGA LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 ST JOACHIM POINTE CLAIRE P Q H9S 4P1 CANADA, 12, 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 ARCTIC CIR # 402, 402, NAPLES, FL 34112-5007

Mortgage

Document Number	0005403731
Date	May 11, 2017
Instrument	5403731

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$200,868 (-7.99%) Building $200,868	$200,868 (-7.99%) Building $200,868
2025	$2,293.00 (+110.95%)	$218,312 (+50.51%) Building $218,312	$218,312 (-5.91%) Building $218,312
2023	$1,087.00 (-1.81%) Homeowner's exemption	$145,045 (+3%)	$232,018 (+22.87%) Building $232,018
2022	$1,107.00 Homeowner's exemption	$140,820	$188,829 Building $188,829

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	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 89 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	491 units insured incl. 402 condo units
Nearby Flood Claims	10 (1985–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	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 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	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 181 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

May also be available: Blue Stream, CenturyLink.

Nearby Properties on Arctic Cir

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