3651 Canopy Cir, Naples, FL 34120 Property Records

Collier County property record for 3651 Canopy Cir, Naples, FL 34120

Property Summary

Property Type	Single Family Home
Details	1,932 sqft · built 2015
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Jul 2026)
Tax Bill	$3,749 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`207520 313B35`

Property Details

APN / Parcel Number

Primary APN	`207520 313B35`
Alternative APN	`25225000844`

Interior

Stories	1 Story
Building Area	1,932 sqft Living Area
1st Floor Area	1,932 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Construction Type	Masonry / Concrete Block
Lot Area	8,276 sqft (0.19 acres)

Location & Zoning

Street Address	3651 CANOPY CIR
City	NAPLES
State	FL
Zip	34120-0699
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANOPY LOT 31
Legal Range	26
Legal Township	48
Legal Section	35
Legal Subdivision	CANOPY
Legal Tract	207520
Legal Block	4
Legal Lot Number	31
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	4
Census Block	4000
Census Tract	10423

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	3651 CANOPY CIR, NAPLES, FL 34120-0699
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage ACHIEVA CREDIT UNION
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 6, 2020	Warranty Deed, Transfer NAVY FCU
Jan 29, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Aug 6, 2020 · Amount on Record
Deed Document Number	20266850169
Deed Book / Page	6609 / 799
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 14, 2026
Property Address	3651 CANOPY CIR, NAPLES, FL 34120-0699
Document Number	0006850169
Book / Page	6609 / 799
Instrument Date	Jul 10, 2026
Instrument	20266850169
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3651 CANOPY CIR, NAPLES, FL 34120-0699

Mortgage

Document Number	0006850170,
Date	Jul 14, 2026
Instrument	20266850170

Lender

Name	ACHIEVA CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3651 CANOPY CIR, NAPLES, FL 34120-0699
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3651 CANOPY CIR, NAPLES, FL 34120-0699

Mortgage

Document Number	0060480806
Date	Nov 30, 2021
Book Page	6048/806
Instrument	6165944

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 6, 2020
Property Address	3651 CANOPY CIR, NAPLES, FL 34120-0699
Document Number	0057982100
Book / Page	005798 / 002100
Instrument Date	Jul 30, 2020
Instrument	5904745
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
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	3651 CANOPY CIR NAPLES FL 341200699, NAPLES, FL 34120-0699

Mortgage

Document Number	57982103
Date	Aug 6, 2020
Book Page	005798/002103
Instrument	5904746

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jan 29, 2020
Property Address	3651 CANOPY CIR, NAPLES, FL 34120-0699
Document Number	0057213028
Book / Page	5721 / 3028
Map Reference	MB 53 PG 84-88
Instrument Date	Jan 28, 2020
Instrument	5821720
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,863.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	535 OLD MACCUMBER STATION RD # RD225, 535, WILMINGTON, NC 28405-8527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3651 CANOPY CIR, NAPLES, FL 34120-0699

Mortgage

Document Number	0057213030
Date	Jan 29, 2020
Instrument	5721/3030

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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		$382,332 (+2.7%)	$502,978 (-3.63%) Land $166,378 Building $336,600
2025	$3,749.00 (+7.02%) Homeowner's exemption	$372,280 (+5.99%)	$521,948 (-8.96%) Land $219,542 Building $302,406
2024	$3,503.00 (+1.16%)
2023	$3,463.00 (-1.95%) Homeowner's exemption	$351,250 (+3%)	$573,331 (+20.82%) Land $196,020 Building $377,311
2022	$3,532.00 Homeowner's exemption	$341,019	$474,547 Land $74,095 Building $400,452

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 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 Record median of 102 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	102 in force
Nearby Flood Claims	5 (2017–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Hotwire Communications, T-Mobile, Xfinity.

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