407 Rudder Rd, Naples, FL 34102 Property Records

Collier County property record for 407 Rudder Rd, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	2,916 sqft · built 2003
Lot Size	0.39 acres (16,988 sqft)
Owner	Company Name on File
Last Sale	$100 (May 2015)
Tax Bill	$10,699 (2025)
Deeds & Mortgages	Jun 2022 Reverse Mortgage
Flood Zone	Zone AE (high risk)
APN	`087100 L 164A28`

Property Details

APN / Parcel Number

Primary APN	`087100 L 164A28`
Alternative APNs	`12783360000023200L164` `12783360000`

Interior

Stories	1 Story
Building Area	2,916 sqft Living Area
1st Floor Area	2,916 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Masonry / Concrete Block
Lot Area	16,988 sqft (0.39 acres)
Pool Area	450 sqft
Deck Area	1,389 sqft

Location & Zoning

Street Address	407 RUDDER RD
City	NAPLES
State	FL
Zip	34102-5036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	MOORINGS UNIT 2 BLK L LOT 16 OR 1454 PG 444
Legal Range	25
Legal Township	49
Legal Section	28
Legal Subdivision	MOORINGS UNIT 2
Legal Tract	087100
Legal Block	L
Legal Lot Number	16
Legal Unit	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1013
Census Tract	302

Owner

407 Rudder Rd is owned by a company that acquired it in May 2015 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	407 RUDDER RD, NAPLES, FL 34102-5036
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2015 · Amount on File
Deed Sale	May 1, 2015 · Amount on File
Deed Book / Page	5156 / 351
Last Transfer Date	May 15, 2015
Transfer Doc	0051560351
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	407 RUDDER RD, NAPLES, FL 34102-5036
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 RUDDER RD, NAPLES, FL 34102-5036

Mortgage

Document Number	0061380668
Date	Jun 9, 2022
Book Page	6138/668
Instrument	6265261

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	845 Months
Due	Nov 28, 2092

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 407 Rudder Rd was $10,699 with a homeowner's exemption.

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Municipality	Naples City
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,253,689 (+2.7%)	$2,815,671 (-5.65%) Land $2,534,414 Building $281,257
2025	$10,699.00 Homeowner's exemption	$1,220,729	$2,984,437 Land $2,207,530 Building $776,907
2023	$10,302.00 (-2.68%) Homeowner's exemption	$1,151,773 (+3%)	$3,948,971 (+49.24%) Land $2,886,770 Building $1,062,201
2022	$10,586.00 Homeowner's exemption	$1,118,226	$2,645,981 Land $1,693,855 Building $952,126

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

Flood

FEMA maps place 407 Rudder Rd 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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 233 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	256 units insured incl. 23 condo units
Nearby Flood Claims	143 (1979–2024)
Claims Outside the SFHA	13 of 143
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 8 claims Hurricane Ian, Oct 2022 · 56 claims Hurricane Ian, Sep 2022 · 46 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 407 Rudder Rd 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 253 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