5181 Sand Dollar Ln, Naples, FL 34103 Property Records

Collier County property record for 5181 Sand Dollar Ln, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	2,430 sqft · built 2014
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$2,600,000 (Jun 2018)
Tax Bill	$24,662 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`134500 114A16`

Property Details

APN / Parcel Number

Primary APN	`134500 114A16`
Alternative APNs	`19135000225035750114` `19135000225`

Interior

Stories	2 Stories
Building Area	2,430 sqft Living Area
1st Floor Area	2,430 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Construction Type	Masonry / Concrete Block
Lot Area	11,761 sqft (0.27 acres)
Pool Area	576 sqft
Deck Area	772 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	5181 SAND DOLLAR LN
City	NAPLES
State	FL
Zip	34103-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	SEAGATE UNIT 1 LOT 11
Legal Range	25
Legal Township	49
Legal Section	16
Legal Subdivision	SEAGATE
Legal Tract	134500
Legal Block	3
Legal Lot Number	11
Legal Unit	1
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3006
Census Tract	301

Owner

5181 Sand Dollar Ln is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	5181 SAND DOLLAR LN, NAPLES, FL 34103-2410
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
Jun 22, 2020	Deed of Trust, Mortgage · ARM FINEMARK NATIONAL BANK & TRUST
Jun 28, 2018	Warranty Deed, Transfer · ARM FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2018 · Amount on File
Deed Sale	Jun 28, 2018 · Amount on File
Prior Sale	Nov 18, 2013 · Amount on File
Deed Document Number	20185578604
Deed Book / Page	5527 / 45
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	5181 SAND DOLLAR LN, NAPLES, FL 34103-2410
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057780286
Date	Jun 22, 2020
Book Page	5778/286
Instrument	5883370

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	NAPLES, FL 34108

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	8.25%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 28, 2018
Property Address	5181 SAND DOLLAR LN, NAPLES, FL 34103-2410
Document Number	0055270045
Book / Page	5527 / 0045
Map Reference	MB3 PG85
Instrument Date	Jun 13, 2018
Instrument	5578604
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	493 CARICA RD, 493, NAPLES, FL 34108-2632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5181 SAND DOLLAR LN, NAPLES, FL 34103-2410

Mortgage

Document Number	0005578605
Date	Jun 28, 2018
Instrument	5578605

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

Tax Assessment & Valuation

The 2025 property tax bill for 5181 Sand Dollar Ln was $24,662 with a homeowner's exemption.

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		$2,757,054 (+2.7%)	$3,937,577 (+6.14%) Land $1,676,661 Building $2,260,916
2025	$24,662.00 Homeowner's exemption	$2,684,571	$3,709,742 Land $1,646,359 Building $2,063,383
2023	$23,802.00 (+0.28%) Homeowner's exemption	$2,532,925 (+3%)	$4,074,498 (-0.49%) Land $1,680,898 Building $2,393,600
2022	$23,736.00 Homeowner's exemption	$2,459,150	$4,094,742 Land $1,922,095 Building $2,172,647

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

Flood

FEMA maps place 5181 Sand Dollar Ln in Zone AE, 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
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 5181 Sand Dollar Ln 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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