446 Rudder Rd, Naples, FL 34102 Property Records

Collier County property record for 446 Rudder Rd, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	3,842 sqft · built 1993
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$1,800,000 (Nov 2018)
Tax Bill	$12,151 (2025)
Deeds & Mortgages	Nov 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`087100 K 94A28`

Property Details

APN / Parcel Number

Primary APN	`087100 K 94A28`
Alternative APN	`12782240008`

Interior

Stories	1 Story
Building Area	3,842 sqft Living Area
1st Floor Area	3,842 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	160 ft deep x 102 ft wide
Pool Area	308 sqft
Deck Area	1,060 sqft

Location & Zoning

Street Address	446 RUDDER RD
City	NAPLES
State	FL
Zip	34102-5037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	MOORINGS UNIT 2 BLK K LOT 9
Legal Range	25
Legal Township	49
Legal Section	28
Legal Subdivision	MOORINGS UNIT 2
Legal Tract	087100
Legal Block	K
Legal Lot Number	9
Legal Unit	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1012
Census Tract	302

Owner

Source: Collier County records · APN 087100 K 94A28

Assessment roll updated September 9, 2025 · Last verified April 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 File
Mailing Address	446 RUDDER RD, NAPLES, FL 34102-5037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Prior Sale	Jul 03, 2014 · Amount on Record
Deed Document Number	20185641435
Deed Book / Page	5575 / 1396
Prior Transfer Date	Apr 15, 2005
Prior Transfer Doc	0037783255
Record Updated	Jun 08, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Nov 28, 2018
Property Address	446 RUDDER RD, NAPLES, FL 34102-5037
Document Number	0055751396
Book / Page	005575 / 001396
Instrument Date	Nov 27, 2018
Instrument	5641435
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$12,600.00
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	446 RUDDER RD NAPLES FL 341025037, NAPLES, FL 34102-5037

Tax Assessment & Valuation

Source: Collier County records · Assessment roll updated September 9, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,151.00 (+2.23%) Homeowner's exemption	$1,381,109 (+5.99%)	$2,650,285 (-27.45%) Land $2,121,600 Building $528,685
2024	$11,886.00 (+1.56%)
2023	$11,703.00 (-2.69%) Homeowner's exemption	$1,303,093 (+3%)	$3,653,188 (+50.57%) Land $2,774,400 Building $878,788
2022	$12,027.00 Homeowner's exemption	$1,265,139	$2,426,239 Land $1,627,920 Building $798,319

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 253 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NAPLES WATER DEPT serves 83,804 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.