4243 Raffia Palm Cir, Naples, FL 34119 Property Records

Collier County property record for 4243 Raffia Palm Cir, Naples, FL 34119

Property Summary

Property Type	Single Family Home
Details	1,479 sqft · built 2017
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$980,000 (Nov 2024)
Tax Bill	$7,521 (2025)
Deeds & Mortgages	Feb 2022 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`585260 393B34`

Property Details

APN / Parcel Number

Primary APN	`585260 393B34`
Alternative APN	`69020001305`

Interior

Stories	2 Stories
Building Area	1,479 sqft Living Area
1st Floor Area	1,479 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Lot Area	7,405 sqft (0.17 acres)
Pool Area	308 sqft
Deck Area	448 sqft

Location & Zoning

Street Address	4243 RAFFIA PALM CIR
City	NAPLES
State	FL
Zip	34119-9678
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAFFIA PRESERVE-PHASE 1 LOT 39
Legal Range	26
Legal Township	48
Legal Section	34
Legal Subdivision	RAFFIA PRESERVE PHASE 1
Legal Phase	1
Legal Tract	585260
Legal Block	2
Legal Lot Number	39
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2009
Census Tract	10436

Owner

4243 Raffia Palm Cir is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	4243 RAFFIA PALM CIR, NAPLES, FL 34119-9678
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Feb 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Sep 5, 2019	Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2024 · Amount on File
Deed Sale	Nov 4, 2024 · Amount on File
Prior Sale	Sep 5, 2019 · Amount on File
Deed Document Number	20246608864
Deed Book / Page	6411 / 2344
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4243 RAFFIA PALM CIR, NAPLES, FL 34119-9678
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4243 RAFFIA PALM CIR, NAPLES, FL 34119-9678

Mortgage

Document Number	0060893448
Date	Feb 28, 2022
Book Page	6089/3448
Instrument	6211321

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 25, 2032

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4243 RAFFIA PALM CIR, NAPLES, FL 34119-9678
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4243 RAFFIA PALM CIR, NAPLES, FL 34119-9678

Mortgage

Document Number	0059051118
Date	Mar 9, 2021
Book Page	5905/1118
Instrument	6015109

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	JACKSONVILLE, FL 32256

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

September 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 5, 2019
Property Address	4243 RAFFIA PALM CIR, NAPLES, FL 34119-9678
Document Number	0056693776
Book / Page	5669 / 3776
Map Reference	MB 54 PG 72
Instrument Date	Aug 29, 2019
Instrument	5761165
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,495.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10481 BEN C PRATT 6 MILE CYPRESS PKWY, 10481, FORT MYERS, FL 33966

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4243 RAFFIA PALM CIR, NAPLES, FL 34119-9678

Mortgage

Document Number	0056693780
Date	Sep 5, 2019
Instrument	5669-3780

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4243 Raffia Palm Cir was $7,521 with a homeowner's exemption.

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		$751,048 (+2.7%)	$807,135 (+10.37%) Land $185,837 Building $621,298
2025	$7,521.00	$731,303 Land $167,270 Building $564,033	$731,303 Land $167,270 Building $564,033
2023	$4,760.00 (-2.3%) Homeowner's exemption	$477,119 (+3%)	$873,927 (+12.9%) Land $299,693 Building $574,234
2022	$4,872.00 Homeowner's exemption	$463,222	$774,057 Land $164,657 Building $609,400

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

FEMA maps place 4243 Raffia Palm Cir in Zone AH, 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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 78 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	78 in force

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 4243 Raffia Palm Cir is low, with 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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	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 432 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

May also be available: CenturyLink, Hotwire Communications.

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