4850 Whispering Pine Way, Naples, FL 34103 Property Records

Collier County property record for 4850 Whispering Pine Way, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	2,795 sqft · built 1978
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Trust Names on File
Last Sale	$2,285,000 (Apr 2026)
Tax Bill	$3,936 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`112900 32 464A16`

Property Details

APN / Parcel Number

Primary APN	`112900 32 464A16`
Alternative APNs	`1605760000702960032464` `16057600007`

Interior

Stories	1 Story
Building Area	2,795 sqft Living Area
1st Floor Area	2,795 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Masonry / Concrete Block
Lot Area	13,068 sqft (0.3 acres)
Pool Area	476 sqft
Deck Area	539 sqft

Location & Zoning

Street Address	4850 WHISPERING PINE WAY
City	NAPLES
State	FL
Zip	34103-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	PARK SHORE UNIT 4 BLK 32 LOT 46 OR 644 PG 1509
Legal Range	25
Legal Township	49
Legal Section	16
Legal Subdivision	PARK SHORE UNIT 4
Legal Tract	112900
Legal Block	32
Legal Lot Number	46
Legal Unit	4
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3011
Census Tract	301

Owner

4850 Whispering Pine Way is owner-occupied and held in a trust since April 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	4850 WHISPERING PINE WAY, NAPLES, FL 34103-2408
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on File
Deed Sale	Apr 13, 2026 · Amount on File
Deed Document Number	20266809809
Deed Book / Page	6574 / 2774
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 13, 2026
Property Address	4850 WHISPERING PINE WAY, NAPLES, FL 34103-2408
Document Number	0065742774
Book / Page	6574 / 2774
Instrument Date	Apr 9, 2026
Instrument	20266809809
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,615,495.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

Mortgage

Document Number	0006809810,
Date	Apr 13, 2026
Instrument	20266809810

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 4850 Whispering Pine Way was $3,936, up 2.3% from the year before.

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		$486,305 (+2.7%)	$1,758,814 (-8.88%) Land $1,583,036 Building $175,778
2025	$3,936.00 (+2.34%) Homeowner's exemption	$473,520	$1,930,235 Land $1,769,820 Building $160,415
2024	$3,846.00 (+1.8%)
2023	$3,778.00 (-2.48%) Homeowner's exemption	$446,772 (+3%)	$2,209,136 (+27.16%) Land $2,137,398 Building $71,738
2022	$3,874.00 Homeowner's exemption	$433,759	$1,737,255 Land $1,443,765 Building $293,490

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 4850 Whispering Pine Way in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 199 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	245 units insured incl. 46 condo units
Nearby Flood Claims	235 (1985–2024)
Claims Outside the SFHA	11 of 235
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 113 claims Hurricane Ian, Sep 2022 · 71 claims Hurricane Irma, Sep 2017 · 17 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 4850 Whispering Pine Way 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 259 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

May also be available: AT&T, Hotwire Communications, Summit Broadband.

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