Collier County property record for 389 Neptunes Bight, Naples, FL 34103
| Property Type | Single Family Home |
|---|---|
| Details | 3,685 sqft · built 2025 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,435,000 (Nov 2010) |
| Tax Bill | $36,004 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 112000 1 554A16 |
| Primary APN | 112000 1 554A16 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,685 sqft Living Area |
| 1st Floor Area | 2,358 sqft |
| Year Built | Built 2025 |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Lot Area | 20,909 sqft (0.48 acres) |
| View / Lot | Waterfront |
| Pool Area | 392 sqft |
| Deck Area | 621 sqft |
| Boat Access | Boat Access |
| Street Address | 389 NEPTUNES BIGHT |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34103-3578 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NAPLES |
| Legal Description | PARK SHORE UNIT 1 BLK 1 LOT 55 |
| Legal Range | 25 |
| Legal Township | 49 |
| Legal Section | 16 |
| Legal Subdivision | PARK SHORE UNIT 1 |
| Legal Tract | 112000 |
| Legal Block | 1 |
| Legal Lot Number | 55 |
| Legal Unit | 1 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 301 |
389 Neptunes Bight is owned and occupied by two individuals who bought it in November 2010.
Source: Collier County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 389 NEPTUNES BIGHT, NAPLES, FL 34103-3578 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2010 · Amount on File |
| Deed Sale | Nov 30, 2010 · Amount on File |
| Prior Sale | Oct 4, 2004 · Amount on File |
| Deed Document Number | 20104500128 |
| Deed Book / Page | 4627 / 2374 |
| Prior Transfer Date | Feb 17, 2010 |
| Prior Transfer Doc | 0045660179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 389 NEPTUNES BIGHT, NAPLES, FL 34103-3578 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2023 |
| Title Company | NAPLES TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 389 NEPTUNES BIGHT, NAPLES, FL 34103-3578 |
| Document Number | 0062391579 |
|---|---|
| Date | Apr 24, 2023 |
| Book Page | 6239/1579 |
| Instrument | 6393335 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 379 Months |
| Due | Nov 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Nov 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.1% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.1% |
The 2025 property tax bill for 389 Neptunes Bight was $36,004 with a homeowner's exemption, up 2.2% from the year before.
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Municipality | Naples City |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,096,387 (+76.92%) | $8,240,777 (+29.38%) Land $5,255,548 Building $2,985,229 | |
| 2025 | $36,004.00 (+2.19%) Homeowner's exemption | $4,010,996 | $6,369,579 Land $6,361,979 Building $7,600 |
| 2024 | $35,232.00 (+0.3%) | ||
| 2023 | $35,126.00 (-2.76%) Homeowner's exemption | $3,829,270 (+3%) | $5,548,798 (+12.07%) Land $5,500,362 Building $48,436 |
| 2022 | $36,124.00 Homeowner's exemption | $3,717,738 | $4,951,008 Land $4,747,162 Building $203,846 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 389 Neptunes Bight 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 | 10.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 243 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 782 units insured incl. 539 condo units |
| Nearby Flood Claims | 286 (1985–2024) |
| Claims Outside the SFHA | 4 of 286 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
The area around 389 Neptunes Bight has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 296 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, Summit Broadband.
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