580 Harbour Dr, Naples, FL 34103 Property Records

Collier County property record for 580 Harbour Dr, Naples, FL 34103

Property Summary

Property Type	Residential Vacant Land
Details	1,787 sqft · built 1964
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$2,575,000 (Feb 2026)
Tax Bill	$21,879 (2025)
Deeds & Mortgages	Feb 2026 Sale & Construction Loan Apr 2023 Sale & Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`087400 3 404A28`

Property Details

APN / Parcel Number

Primary APN	`087400 3 404A28`
Alternative APNs	`128326800000233003404` `12832680000`

Interior

Stories	1 Story
Building Area	1,787 sqft Living Area
1st Floor Area	1,787 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Masonry / Concrete Block
Lot Area	13,504 sqft (0.31 acres)

Location & Zoning

Street Address	580 HARBOUR DR
City	NAPLES
State	FL
Zip	34103-4423
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	NAPLES
Legal Description	MOORINGS UNIT 3 BLK 3 LOT 40 OR 140 PG 557
Legal Range	25
Legal Township	49
Legal Section	28
Legal Subdivision	MOORINGS UNIT 3
Legal Tract	087400
Legal Block	3
Legal Lot Number	40
Legal Unit	3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2002
Census Tract	302

Owner

580 Harbour Dr, residential vacant land, is owned and occupied by two individuals who bought it in February 2026.

Source: Collier County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	580 HARBOUR DR, NAPLES, FL 34103-4423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 11, 2026	Warranty Deed, Construction Loan · Construction Mortgage COMMERCE BANK
Apr 25, 2023	Warranty Deed, Transfer · Line of Credit SANIBEL CAPTIVA COMMUNITY BANK
Sep 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST FLORIDA INTEGRITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2026 · Amount on File
Deed Sale	Feb 11, 2026 · Amount on File
Prior Sale	Apr 25, 2023 · Amount on File
Deed Document Number	20266784269
Deed Book / Page	6552 / 3767
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 11, 2026
Property Address	580 HARBOUR DR, NAPLES, FL 34103-4423
Document Number	0065523767
Book / Page	6552 / 3767
Map Reference	MB 3 PG 100
Instrument Date	Jan 30, 2026
Instrument	6784269
Transaction Type	Construction Loan
Record Updated	Feb 20, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$18,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49460 OLDEFIELD DR, SAINT CLAIRSVILLE, OH 43950-8357

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 HARBOUR DR, NAPLES, FL 34103-4423

Mortgage

Document Number	0065523769
Date	Feb 11, 2026
Instrument	6552/3769

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	11.2%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 25, 2023
Property Address	580 HARBOUR DR, NAPLES, FL 34103-4423
Document Number	0062393341
Book / Page	6239 / 3341
Map Reference	MB 3 PG 100
Instrument Date	Apr 24, 2023
Instrument	6393904
Transaction Type	Transfer
Record Updated	May 12, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	580 HARBOUR DR, NAPLES, FL 34103-4423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49460 OLDEFIELD DR, SAINT CLAIRSVILLE, OH 43950-8357

Mortgage

Document Number	0062393343
Date	Apr 25, 2023
Book Page	6239/3343
Instrument	6393905

Lender

Name	SANIBEL CAPTIVA COMMUNITY BANK
Type	Bank
Address	FORT MYERS, FL 33901

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Apr 24, 2026

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	580 HARBOUR DR, NAPLES, FL 34103-4423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056761717
Date	Sep 23, 2019
Book Page	5676/1717
Instrument	5768758

Lender

Name	FIRST FLORIDA INTEGRITY BANK
Type	Bank
Address	NAPLES, FL 34101

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 17, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 580 Harbour Dr was $21,879.

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		$2,162,860 (-10.1%) Land $2,162,860	$2,162,860 (-11%) Land $2,162,860
2025	$21,879.00	$2,405,878	$2,430,180 Land $2,430,180
2023	$2,245.00 (-4.06%) Homeowner's exemption Widower's exemption	$286,114 (+3%)	$2,529,838 (+81.93%) Land $2,497,685 Building $32,153
2022	$2,340.00 Homeowner's exemption Widower's exemption	$277,781	$1,390,562 Land $1,261,668 Building $128,894

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 580 Harbour Dr in Zone X, an area of moderate flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 188 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	321 units insured incl. 133 condo units
Nearby Flood Claims	178 (1982–2024)
Claims Outside the SFHA	4 of 178
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 19 claims Hurricane Ian, Oct 2022 · 63 claims Hurricane Ian, Sep 2022 · 65 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 580 Harbour Dr is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.07% 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	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 233 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: CenturyLink, Hotwire Communications, Summit Broadband.

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