4423 Raffia Palm Cir, Naples, FL 34119 Property Records

Collier County property record for 4423 Raffia Palm Cir, Naples, FL 34119

Property Summary

Property Type	Single Family Home
Details	1,796 sqft · built 2015
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (May 2018)
Tax Bill	$4,280 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`585260 603B34`

Property Details

APN / Parcel Number

Primary APN	`585260 603B34`
Alternative APN	`69020001729`

Interior

Stories	2 Stories
Building Area	1,796 sqft Living Area
1st Floor Area	1,796 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Construction Type	Masonry / Concrete Block
Lot Area	7,405 sqft (0.17 acres)
Pool Area	288 sqft
Deck Area	484 sqft

Location & Zoning

Street Address	4423 RAFFIA PALM CIR
City	NAPLES
State	FL
Zip	34119-9680
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAFFIA PRESERVE-PHASE 1 LOT 60
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	60
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2009
Census Tract	10436

Owner

4423 Raffia Palm Cir is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4423 RAFFIA PALM CIR, NAPLES, FL 34119-9680
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 24, 2025	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 22, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Apr 21, 2015 · Amount on File
Deed Document Number	20185559663
Deed Book / Page	5512 / 1623
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4423 RAFFIA PALM CIR, NAPLES, FL 34119-9680
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4423 RAFFIA PALM CIR, NAPLES, FL 34119-9680

Mortgage

Document Number	0065201144
Date	Oct 24, 2025
Book Page	6520/1144
Instrument	6745015

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4423 RAFFIA PALM CIR, NAPLES, FL 34119-9680
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4423 RAFFIA PALM CIR, NAPLES, FL 34119-9680

Mortgage

Document Number	0058532561
Date	Dec 3, 2020
Book Page	5853/2561
Instrument	5963267

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 22, 2018
Property Address	4423 RAFFIA PALM CIR, NAPLES, FL 34119-9680
Document Number	0055121623
Book / Page	005512 / 001623
Instrument Date	May 15, 2018
Instrument	5559663
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	FIRST INTEGRITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4423 RAFFIA PALM CIR NAPLES FL 341199680, NAPLES, FL 34119-9680

Mortgage

Document Number	55121625
Date	May 22, 2018
Book Page	005512/001625
Instrument	5559664

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4423 Raffia Palm Cir was $4,280 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		$434,241 (+2.7%)	$683,869 (+4.86%) Land $183,234 Building $500,635
2025	$4,280.00 Homeowner's exemption	$422,825	$652,161 Land $177,725 Building $474,436
2023	$3,954.00 (-2.13%) Homeowner's exemption	$398,941 (+3%)	$735,678 (+12.52%) Land $251,777 Building $483,901
2022	$4,040.00 Homeowner's exemption	$387,321	$653,805 Land $139,959 Building $513,846

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

Flood

FEMA maps place 4423 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 4423 Raffia Palm Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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 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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