4908 Rustic Oaks Cir, Naples, FL 34105 Property Records

Collier County property record for 4908 Rustic Oaks Cir, Naples, FL 34105 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2,797 sqft · built 2004
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$1,425,000 (Apr 2026)
Tax Bill	$6,862 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`174200 364A13`

Property Details

APN / Parcel Number

Primary APN	`174200 364A13`
Alternative APN	`22730000866`

Interior

Stories	1 Story
Building Area	2,797 sqft Living Area
1st Floor Area	2,797 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Masonry / Concrete Block
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	139 ft deep x 78 ft wide
Pool Area	264 sqft
Deck Area	1,092 sqft

Location & Zoning

Street Address	4908 RUSTIC OAKS CIR
City	NAPLES
State	FL
Zip	34105-4521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BANYAN WOODS LOT 36
Legal Range	25
Legal Township	49
Legal Section	13
Legal Subdivision	BANYAN WOODS
Legal Tract	174200
Legal Block	3
Legal Lot Number	36
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3000
Census Tract	10432

Owner

Source: Collier County records · APN 174200 364A13

Assessment roll updated September 9, 2025 · Last verified July 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	482 N PHELPS AVE, WINTER PARK, FL 32789-3965
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 01, 2026	Warranty Deed, Transfer · Conventional Mortgage BAXTER CREDIT UNION
Oct 05, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 20, 2017	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2026 · Amount on Record
Deed Sale	Apr 01, 2026 · Amount on Record
Prior Sale	Sep 20, 2017 · Amount on Record
Deed Document Number	20266804659
Deed Book / Page	6569 / 3980
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 01, 2026
Property Address	4908 RUSTIC OAKS CIR, NAPLES, FL 34105-4521
Document Number	0065693980
Book / Page	6569 / 3980
Instrument Date	Mar 27, 2026
Instrument	20266804659
Transaction Type	Transfer
Record Updated	Jul 02, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,007,475.00
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	Joint Tenants
Address	482 N PHELPS AVE, WINTER PARK, FL 32789-3965

Mortgage

Document Number	0006804660,
Date	Apr 01, 2026
Instrument	20266804660

Lender

Name	BAXTER CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4908 RUSTIC OAKS CIR, NAPLES, FL 34105-4521
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 RUSTIC OAKS CIR, NAPLES, FL 34105-4521

Mortgage

Document Number	0058252081
Date	Oct 05, 2020
Book Page	5825/2081
Instrument	5933283

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 20, 2017
Property Address	4908 RUSTIC OAKS CIR, NAPLES, FL 34105-4521
Document Number	0054332366
Book / Page	005433 / 002366
Instrument Date	Sep 05, 2017
Instrument	5450477
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,055.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1010 22ND ST NW WASHINGTON DC 200371806, WASHINGTON, DC 20037-1806

Mortgage

Document Number	54332368
Date	Sep 20, 2017
Book Page	005433/002368
Instrument	5450478

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

Source: Collier County records · Assessment roll updated September 9, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,862.00 (+2.31%) Homeowner's exemption	$733,556 (+2.9%)	$1,206,951 (+10.7%) Land $609,617 Building $597,334
2024	$6,707.00 (+0.77%) Homeowner's exemption	$712,882 (+3%)	$1,090,276 (+2.26%) Land $501,743 Building $588,533
2023	$6,656.00 (-2.82%) Homeowner's exemption	$692,118 (+3%)	$1,066,200 (+8.36%) Land $438,365 Building $627,835
2022	$6,849.00 Homeowner's exemption	$671,959	$983,918 Land $316,098 Building $667,820

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Collier County (12021C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120210104323, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 72 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	72 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2024, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 337 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Hotwire Communications, AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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