402 Emerald Bay Cir, Unit E2, Naples, FL 34110 Property Records

Collier County property record for 402 Emerald Bay Cir, Unit E2, Naples, FL 34110

Property Summary

Property Type	Condominium
Details	1,611 sqft · built 1989
Owner	2 Individual Names on Record
Last Sale	$500,000 (Apr 2023)
Tax Bill	$2,918 (2025)
Deeds & Mortgages	Apr 2023 Sale Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`698200 E-23A08`

Property Details

APN / Parcel Number

Primary APN	`698200 E-23A08`
Alternative APNs	`8045760068815455623` `80457600688`

Interior

Units	9 Units
Building Area	1,611 sqft Living Area
1st Floor Area	1,611 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	402 EMERALD BAY CIR, E2
City	NAPLES
State	FL
Zip	34110-7618
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VILLAGES OF EMERALD BAY, THE (CONDO) UNIT E-2
Legal Range	25
Legal Township	48
Legal Section	8
Legal Subdivision	VILLAGES OF EMERALD BAY, THE A CONDOMINI
Legal Tract	698200
Legal Block	2
Legal Lot Number	E2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2000
Census Tract	10113

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	402 EMERALD BAY CIR, E2, NAPLES, FL 34110-7618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage MAS ASSOCIATES LLC
Jul 8, 2020	Warranty Deed, Transfer CYPRESS TITLE AND ESCROW INC, CYPRESS TITLE & ESCROW INC
Jun 7, 2018	Intrafamily Transfer, Transfer · Commercial Mortgage SANIBEL CAPTIVA COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2023 · Amount on Record
Deed Sale	Apr 3, 2023 · Amount on Record
Prior Sale	Jul 8, 2020 · Amount on Record
Deed Document Number	20236383865
Deed Book / Page	6231 / 3349
Prior Transfer Date	May 30, 2018
Prior Transfer Doc	0055183079
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 3, 2023
Property Address	402 EMERALD BAY CIR UNIT E2, E2, NAPLES, FL 34110-7618
Document Number	0062313349
Book / Page	6231 / 3349
Map Reference	MB 5162 PG 819
Instrument Date	Mar 23, 2023
Instrument	6383865
Transaction Type	Transfer
Record Updated	Apr 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,500.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1301 W CHICAGO BLVD, SEA GIRT, NJ 08750-1111

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	81 MOUNTAIN AVE, MENDHAM, NJ 07945-1327

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	402 EMERALD BAY CIR UNIT E2, E2, NAPLES, FL 34110-7618
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053621692
Date	Feb 13, 2017
Book Page	5362/1692
Instrument	5366887

Lender

Name	MAS ASSOCIATES LLC
Type	Non-Lending Institution
Address	OWINGS MILLS, MD 21117

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 8, 2020
Property Address	402 EMERALD BAY CIR UNIT E2, E2, NAPLES, FL 34110-7618
Document Number	0057851207
Book / Page	005785 / 001207
Instrument Date	Jul 6, 2020
Instrument	5890807
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	CYPRESS TITLE AND ESCROW INC, CYPRESS TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1301 W CHICAGO BLVD SEA GIRT NJ 087501111, SEA GIRT, NJ 08750-1111

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Jun 7, 2018
Property Address	402 EMERALD BAY CIR UNIT E2, E2, NAPLES, FL 34110-7618
Document Number	0055183079
Book / Page	5518 / 3079
Map Reference	MB1480 PG1861
Instrument Date	May 30, 2018
Instrument	5567571
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ASSURED TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	402 EMERALD BAY CIR UNIT E2, E2, NAPLES, FL 34110-7618

Mortgage

Document Number	0005567572
Date	Jun 7, 2018
Instrument	5567572

Lender

Name	SANIBEL CAPTIVA COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	May 30, 2028

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		$360,791 (+2.73%)	$371,532 (+5.79%) Building $371,532
2025	$2,918.00 (-16.2%) Homeowner's exemption Widower's exemption	$351,200 (+8.76%) Building $351,200	$351,200 (-21.19%) Building $351,200
2024	$3,482.00 (-5.76%)
2023	$3,695.00 (+7.95%)	$322,915 (+1%)	$445,638 (+19.62%) Building $445,638
2022	$3,423.00	$293,559	$372,537 Building $372,537

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 235 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,238 units insured incl. 1,003 condo units
Nearby Flood Claims	61 (2017–2022)
Claims Outside the SFHA	42 of 61
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 32 claims Hurricane Ian, Sep 2022 · 26 claims Hurricane Irma, Sep 2017 · 3 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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