400 Flagship Dr, Apt 908, Naples, FL 34108 Property Records

Collier County property record for 400 Flagship Dr, Apt 908, Naples, FL 34108

Property Summary

Property Type	Condominium
Details	1,734 sqft · built 2000
Owner	2 Individual Names on Record
Last Sale	$1,280,000 (Feb 2024)
Tax Bill	$11,548 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2021 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`587050 9083A32`

Property Details

APN / Parcel Number

Primary APN	`587050 9083A32`
Alternative APN	`69075011188`

Interior

Units	82 Units
Building Area	1,734 sqft Living Area
1st Floor Area	1,734 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	400 FLAGSHIP DR, 908
City	NAPLES
State	FL
Zip	34108-4303
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	REGATTA AT VANDERBILT BEACH I A CONDOMINIUM UNIT 908
Legal Range	25
Legal Township	48
Legal Section	32
Legal Subdivision	REGATTA AT VANDERBILT BEACH I A CONDOMIN
Legal Tract	587050
Legal Block	3
Legal Lot Number	908
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3000
Census Tract	10209

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	2039 BROOK HILL RIDGE DR, CHESTERFIELD, MO 63017-7958
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Dec 16, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2024 · Amount on Record
Deed Sale	Feb 5, 2024 · Amount on Record
Prior Sale	Apr 30, 2013 · Amount on Record
Deed Document Number	20246504496
Deed Book / Page	6327 / 647
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 5, 2024
Property Address	400 FLAGSHIP DR APT 908, 908, NAPLES, FL 34108-4303
Document Number	0063270647
Book / Page	6327 / 647
Map Reference	MB 2648 PG 2022-2103
Instrument Date	Jan 31, 2024
Instrument	6504496
Transaction Type	Transfer
Record Updated	Feb 21, 2024
Title Company	LUTGERT TITLE, LUTGERT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10333 HERITAGE BAY BLVD UNIT 1711, 1711, NAPLES, FL 34120-5215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2039 BROOK HILL RIDGE DR, CHESTERFIELD, MO 63017-7958

Mortgage

Document Number	0006327649
Date	Feb 5, 2024
Instrument	6327/649

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Feb 1, 2034
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	1-Year T-Bill
Max Rate	11.2%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	400 FLAGSHIP DR APT 908, 908, NAPLES, FL 34108-4303
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 FLAGSHIP DR 908, 908, NAPLES, FL 34108-4303

Mortgage

Document Number	0060573628
Date	Dec 16, 2021
Book Page	6057/3628
Instrument	6176045

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 8, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	400 FLAGSHIP DR APT 908, 908, NAPLES, FL 34108-4303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057693634
Date	Jun 3, 2020
Book Page	5769/3634
Instrument	5874554

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

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		$1,072,380 (-9.64%) Building $1,072,380	$1,072,380 (-9.64%) Building $1,072,380
2025	$11,548.00 (+9.92%)	$1,186,824 (+15.23%) Building $1,186,824	$1,186,824 (+5.55%) Building $1,186,824
2023	$10,506.00 (-2.82%) Homeowner's exemption	$1,029,952 (+3%)	$1,124,400 (+12.45%) Building $1,124,400
2022	$10,811.00 Homeowner's exemption	$999,953 Building $999,953	$999,953 Building $999,953

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 218 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	499 units insured incl. 281 condo units
Nearby Flood Claims	411 (1982–2024)
Claims Outside the SFHA	3 of 411
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 68 claims Hurricane Ian, Oct 2022 · 128 claims Hurricane Ian, Oct 2022 · 122 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	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.

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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Hotwire Communications, Summit Broadband.

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