3899 Midshore Dr, Naples, FL 34109 Property Records

Collier County property record for 3899 Midshore Dr, Naples, FL 34109

Property Summary

Property Type	Single Family Home
Details	2,953 sqft · built 2001
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,180,000 (May 2026)
Tax Bill	$4,944 (2025)
Deeds & Mortgages	Mar 2023 Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`721300 6 93B31`

Property Details

APN / Parcel Number

Primary APN	`721300 6 93B31`
Alternative APN	`82660004684`

Interior

Stories	1 Story
Building Area	2,953 sqft Living Area
1st Floor Area	2,953 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Masonry / Concrete Block
Lot Area	11,761 sqft (0.27 acres)
Pool Area	450 sqft
Deck Area	908 sqft

Location & Zoning

Street Address	3899 MIDSHORE DR
City	NAPLES
State	FL
Zip	34109-0783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	WILSHIRE LAKES PHASE ONE BLK 6 LOT 9
Legal Range	26
Legal Township	48
Legal Section	31
Legal Subdivision	WILSHIRE LAKES PHASE 1
Legal Phase	1
Legal Tract	721300
Legal Block	6
Legal Lot Number	9
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2001
Census Tract	10434

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	3899 MIDSHORE DR, NAPLES, FL 34109-0783
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
May 6, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 6, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Aug 20, 2001 · Amount on Record
Deed Document Number	20266821167
Deed Book / Page	6584 / 1554
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3899 MIDSHORE DR, NAPLES, FL 34109-0783
Transaction Type	Mortgage
Record Updated	May 20, 2026
Title Company	MIDLAND TITLE, ISLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 MIDSHORE DR, NAPLES, FL 34109-0783

Mortgage

Document Number	0062200345
Date	Mar 2, 2023
Book Page	6220/345
Instrument	6369425

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 6, 2026
Property Address	3899 MIDSHORE DR, NAPLES, FL 34109-0783
Document Number	0006821167
Book / Page	6584 / 1554
Instrument Date	May 1, 2026
Instrument	2026.6821167
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	ATTORNEYS KEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834,260.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 MIDSHORE DR, NAPLES, FL 34109-0783

Mortgage

Document Number	0006821168,
Date	May 6, 2026
Instrument	2026..6821168

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 6, 2026
Property Address	3899 MIDSHORE DR, NAPLES, FL 34109-0783
Document Number	0065841554
Book / Page	6584 / 1554
Instrument Date	May 1, 2026
Instrument	20266821167
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	ATTORNEYS KEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$834,260.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 MIDSHORE DR, NAPLES, FL 34109-0783

Mortgage

Document Number	0006821168,
Date	May 6, 2026
Instrument	20266821168

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

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

Interest

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

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		$546,160 (+2.7%)	$785,782 (-14.64%) Land $404,600 Building $381,182
2025	$4,944.00 (+2.36%) Homeowner's exemption	$531,801 (+5.99%)	$920,597 (-16.62%) Land $476,000 Building $444,597
2024	$4,830.00 (+0.86%)
2023	$4,789.00 (-2.58%) Homeowner's exemption	$501,760 (+3%)	$1,104,040 (+35.39%) Land $535,500 Building $568,540
2022	$4,916.00 Homeowner's exemption	$487,146	$815,467 Land $209,937 Building $605,530

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 214 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	214 in force
Nearby Flood Claims	3 (2017–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Stream Fiber	2,500 / 2,500
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Hotwire Communications.

Nearby Properties on Midshore Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures