Collier County property record for 491 Spinnaker Ct, Naples, FL 34102
| Property Type | Residential Vacant Land |
|---|---|
| Details | 2,518 sqft · built 1967 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $17,056 (2025) |
| Deeds & Mortgages | Jun 2024 Mortgage Nov 2019 Sale + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 087100 M 124A28 |
| Primary APN | 087100 M 124A28 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,518 sqft Living Area |
| 1st Floor Area | 2,518 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 15,682 sqft (0.36 acres) |
| Pool Area | 28 sqft |
| Deck Area | 534 sqft |
| Street Address | 491 SPINNAKER CT |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34102-5045 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | NAPLES |
| Legal Description | MOORINGS UNIT 2 BLK M LOT 12 OR 1794 PG 162 |
| Legal Range | 25 |
| Legal Township | 49 |
| Legal Section | 28 |
| Legal Subdivision | MOORINGS UNIT 2 |
| Legal Tract | 087100 |
| Legal Block | M |
| Legal Lot Number | 12 |
| Legal Unit | 2 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 302 |
491 Spinnaker Ct, residential vacant land, is owned by two individuals.
Source: Collier County records, as of September 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1160 OLEANDER DR, NAPLES, FL 34102-5317 |
| 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.
| Date | Document |
|---|---|
| Jun 27, 2024 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Nov 19, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Nov 14, 2019 | Loan Modification, Mortgage FINEMARK NAT'L BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 491 SPINNAKER CT, NAPLES, FL 34102-5045 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1160 OLEANDER DR, NAPLES, FL 34102-5317 |
| Document Number | 0063742482 |
|---|---|
| Date | Jun 27, 2024 |
| Book Page | 6374/2482 |
| Instrument | 6564388 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Jul 1, 2034 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.3% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Nov 19, 2019 |
| Property Address | 491 SPINNAKER CT, NAPLES, FL 34102-5045 |
| Document Number | 0056963596 |
| Book / Page | 005696 / 003596 |
| Instrument Date | Nov 14, 2019 |
| Instrument | 5792531 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $8,855.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 680 WEDGE DR NAPLES FL 341034429, NAPLES, FL 34103-4429 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 491 SPINNAKER CT, NAPLES, FL 34102-5045 |
| Document Number | 0056963608 |
| Instrument Date | Nov 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 680 WEDGE DR NAPLES FL 341034429, NAPLES, FL 34103-4429 |
| Document Number | 0056963608 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 005696/003608 |
| Instrument | 5792533 |
| Name | FINEMARK NAT'L BK&TR |
|---|---|
| Type | Bank |
| Address | 12681 CREEKSIDE LN, FORT MYERS, FL 33919-3359 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 491 Spinnaker Ct was $17,056.
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Municipality | Naples City |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,694,419 (+1%) | $3,145,474 (+38.37%) Land $3,145,474 | |
| 2025 | $17,056.00 | $1,540,381 | $2,273,310 Land $2,273,310 |
| 2023 | $20,453.00 (+26.53%) | $1,497,372 (+1%) | $3,034,563 (+52.26%) Land $2,972,790 Building $61,773 |
| 2022 | $16,165.00 | $1,361,247 | $1,992,990 Land $1,744,328 Building $248,662 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 491 Spinnaker Ct 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 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 |
|
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 risk around 491 Spinnaker Ct 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 253 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 |
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