5609 Cove Cir, Naples, FL 34119 Property Records

Collier County property record for 5609 Cove Cir, Naples, FL 34119

Property Summary

Property Type	Condominium
Details	1,611 sqft · built 2000
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$258,000 (Aug 2020)
Tax Bill	$3,998 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`252000 643B33`

Property Details

APN / Parcel Number

Primary APN	`252000 643B33`
Alternative APN	`29268001385`

Interior

Building Area	1,611 sqft Living Area
1st Floor Area	1,611 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Lot Area	2,178 sqft (0.05 acres)

Location & Zoning

Street Address	5609 COVE CIR
City	NAPLES
State	FL
Zip	34119-9531
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PUD
Legal Description	COVE, THE (HO) LOT 64
Legal Range	26
Legal Township	48
Legal Section	33
Legal Subdivision	COVE, THE
Legal Tract	252000
Legal Block	1
Legal Lot Number	64
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1013
Census Tract	10435

Owner

5609 Cove Cir, a condominium, is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5609 COVE CIR, NAPLES, FL 34119-9531
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
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2020 · Amount on File
Deed Sale	Aug 31, 2020 · Amount on File
Prior Sale	Jun 10, 2009 · Amount on File
Deed Document Number	20205915796
Deed Book / Page	5808 / 3969
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	5609 COVE CIR, NAPLES, FL 34119-9531
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5609 COVE CIR, NAPLES, FL 34119-9531

Mortgage

Document Number	0060322278
Date	Oct 26, 2021
Book Page	6032/2278
Instrument	6149580

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 31, 2020
Property Address	5609 COVE CIR, NAPLES, FL 34119-9531
Document Number	0058083969
Book / Page	5808 / 3969
Map Reference	MB 31 PG 11
Instrument Date	Aug 28, 2020
Instrument	5915796
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	PARADISE COAST T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	519 105TH AVE N, 519, NAPLES, FL 34108-1837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5609 COVE CIR, NAPLES, FL 34119-9531

Mortgage

Document Number	0058083971
Date	Aug 31, 2020
Instrument	5808/3971

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5609 Cove Cir was $3,998.

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$339,090 (-1.74%) Building $339,090	$339,090 (-8.68%) Building $339,090
2025	$3,998.00	$345,100	$371,310 Building $371,310
2023	$3,568.00 (+6.76%)	$285,206 (+1%)	$373,365 (+16.82%) Building $373,365
2022	$3,342.00	$259,278	$319,594 Building $319,594

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

Flood

FEMA maps place 5609 Cove Cir in Zone AH, 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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 312 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	312 in force
Nearby Flood Claims	3 (2020–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2023 · other causes

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 5609 Cove Cir is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	COLLIER COUNTY REGIONAL WTP serves 216,993 people · EPA ID FL5114069
Water Source	Groundwater
Last State Inspection	Jul 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	9 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 359 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

May also be available: Summit Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cove Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures