3809 Ruby Way, Naples, FL 34114 Property Records

Collier County property record for 3809 Ruby Way, Naples, FL 34114

Property Summary

Property Type	Single Family Home
Details	2,293 sqft · built 2012
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$890,000 (Mar 2025)
Tax Bill	$3,623 (2025)
Deeds & Mortgages	Jul 2023 Transfer Jun 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`234750 896B14`

Property Details

APN / Parcel Number

Primary APN	`234750 896B14`
Alternative APN	`27690004680`

Interior

Stories	1 Story
Building Area	2,293 sqft Living Area
1st Floor Area	2,293 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Masonry / Concrete Block
Lot Area	10,019 sqft (0.23 acres)
Pool Area	350 sqft
Deck Area	656 sqft

Location & Zoning

Street Address	3809 RUBY WAY
City	NAPLES
State	FL
Zip	34114-3988
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPUD
Legal Description	COPPER COVE PRESERVE LOT 89
Legal Range	26
Legal Township	51
Legal Section	14
Legal Subdivision	COPPER COVE PRESERVE
Legal Tract	234750
Legal Block	2
Legal Lot Number	89
Jurisdiction	COLLIER FL
Township / Civil Division	EVERGLADES
Census Block Group	2
Census Block	2016
Census Tract	11109

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	Individual Name on Record
Mailing Address	3809 RUBY WAY, NAPLES, FL 34114-3988
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Jun 9, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2025 · Amount on Record
Deed Sale	Mar 14, 2025 · Amount on Record
Prior Sale	Mar 2, 2012 · Amount on Record
Deed Document Number	20256655556
Deed Book / Page	6447 / 1703
Prior Transfer Date	Jun 6, 2023
Prior Transfer Doc	0062680112
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 13, 2023
Property Address	3809 RUBY WAY, NAPLES, FL 34114-3988
Document Number	0062680112
Book / Page	6268 / 112
Map Reference	MB 46 PG 1-8
Instrument Date	Jun 6, 2023
Instrument	6428141
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3809 RUBY WAY, NAPLES, FL 34114-3988

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3809 RUBY WAY, NAPLES, FL 34114-3988

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3809 RUBY WAY, NAPLES, FL 34114-3988
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057722470
Date	Jun 9, 2020
Book Page	5772/2470
Instrument	5877364

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$666,657 (+85.01%) Land $209,693 Building $456,964	$666,657 (-2.86%) Land $209,693 Building $456,964
2025	$3,623.00 (+7%)	$360,332 (+5.99%)	$686,252 (-12.15%) Land $295,555 Building $390,697
2024	$3,386.00 (+1.2%)
2023	$3,346.00 (-1.93%) Homeowner's exemption	$339,978 (+3%)	$781,192 (+9.49%) Land $320,602 Building $460,590
2022	$3,412.00 Homeowner's exemption	$330,076	$713,515 Land $241,954 Building $471,561

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 328 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	644 units insured incl. 316 condo units
Nearby Flood Claims	2 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 369 locations within half a mile, as of December 31, 2025

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

May also be available: Blue Stream, Hotwire Communications.

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