3864 Coconut Cir S, Naples, FL 34104 Property Records

Collier County property record for 3864 Coconut Cir S, Naples, FL 34104

Property Summary

Property Type	Single Family Home
Details	1,315 sqft · built 1961
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Mar 2019)
Tax Bill	$2,898 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`225400 A 165A01`

Property Details

APN / Parcel Number

Primary APN	`225400 A 165A01`
Alternative APNs	`26580640003050600A165` `26580640003`

Interior

Stories	1 Story
Building Area	1,315 sqft Living Area
1st Floor Area	1,315 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2005
Construction Type	Masonry / Concrete Block
Lot Area	10,019 sqft (0.23 acres)
Garage Area	80 sqft
Deck Area	520 sqft

Location & Zoning

Street Address	3864 COCONUT CIR S
City	NAPLES
State	FL
Zip	34104-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4
Legal Description	COCONUT GROVE UNIT 1 BLK A LOT 16
Legal Range	25
Legal Township	50
Legal Section	1
Legal Subdivision	COCONUT GROVE UNIT 1
Legal Tract	225400
Legal Block	A
Legal Lot Number	16
Legal Unit	1
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2015
Census Tract	10602

Owner

3864 Coconut Cir S is owned and occupied by an individual who bought it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3864 COCONUT CIR S, NAPLES, FL 34104-4604
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
Mar 28, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Sep 10, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Mar 11, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2019 · Amount on File
Deed Sale	Mar 11, 2019 · Amount on File
Prior Sale	Oct 11, 2011
Deed Document Number	20195682258
Deed Book / Page	5606 / 933
Prior Transfer Date	Apr 30, 2004
Prior Transfer Doc	0003475646
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3864 COCONUT CIR S, NAPLES, FL 34104-4604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053761696
Date	Mar 28, 2017
Book Page	5376/1696
Instrument	5383974

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 3, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3864 COCONUT CIR S, NAPLES, FL 34104-4604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ROSS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3864 COCONUT CIR S, NAPLES, FL 34104-4604

Mortgage

Document Number	0058140918
Date	Sep 10, 2020
Book Page	5814/918
Instrument	5921507

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 11, 2019
Property Address	3864 COCONUT CIR S, NAPLES, FL 34104-4604
Document Number	0056060933
Book / Page	5606 / 0933
Map Reference	MB 4 PG 69
Instrument Date	Mar 8, 2019
Instrument	5682258
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4039 COCONUT CIR N, 4039, NAPLES, FL 34104-4407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3864 COCONUT CIR S, NAPLES, FL 34104-4604

Mortgage

Document Number	0005682260
Date	Mar 11, 2019
Instrument	5682260

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3864 Coconut Cir S was $2,898.

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		$349,052 (+19.84%) Land $232,883 Building $116,169	$349,052 (-17.33%) Land $232,883 Building $116,169
2025	$2,898.00 Homeowner's exemption	$291,267	$422,247 Land $321,255 Building $100,992
2023	$2,674.00 (-1.66%) Homeowner's exemption	$274,814 (+3%)	$401,693 (+3.99%) Land $245,025 Building $156,668
2022	$2,719.00 Homeowner's exemption	$266,810	$386,291 Land $225,832 Building $160,459

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

Flood

FEMA maps place 3864 Coconut Cir S in Zone AE, 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 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 File median of 364 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	398 units insured incl. 34 condo units
Nearby Flood Claims	239 (1982–2024)
Claims Outside the SFHA	12 of 239
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 67 claims Hurricane Ian, Sep 2022 · 62 claims Hurricane Irma, Sep 2017 · 47 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 3864 Coconut Cir S is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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 262 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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