615 Binnacle Dr, Naples, FL 34103 Property Records

Collier County property record for 615 Binnacle Dr, Naples, FL 34103 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3,375 sqft · built 2008
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Mar 2005)
Tax Bill	$15,222 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Aug 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`088600 M 44A21`

Property Details

APN / Parcel Number

Primary APN	`088600 M 44A21`
Alternative APN	`13035640008`

Interior

Stories	2 Stories
Building Area	3,375 sqft Living Area
1st Floor Area	3,375 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Masonry / Concrete Block
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	168 ft deep x 93 ft wide
Garage Type	Carport
Carport	Carport
Pool Area	448 sqft
Deck Area	1,655 sqft

Location & Zoning

Street Address	615 BINNACLE DR
City	NAPLES
State	FL
Zip	34103-2725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOORINGS UNIT 7 BLK M LOT 4
Legal Range	25
Legal Township	49
Legal Section	21
Legal Subdivision	MOORINGS UNIT 7
Legal Tract	088600
Legal Block	M
Legal Lot Number	4
Legal Unit	7
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2004
Census Tract	301

Owner

Source: Collier County records · APN 088600 M 44A21

Assessment roll updated September 9, 2025 · Last verified June 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	615 BINNACLE DR, NAPLES, FL 34103-2725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2018	Deed of Trust, Mortgage · ARM HSBC BANK USA
Aug 24, 2020	Deed of Trust, Mortgage · Line of Credit HSBC BANK USA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 03, 2005 · Amount on Record
Deed Sale	Mar 03, 2005 · Amount on Record
Prior Sale	Feb 06, 2003 · Amount on Record
Deed Document Number	20053568533
Deed Book / Page	3744 / 1984
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	615 BINNACLE DR, NAPLES, FL 34103-2725
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054753473
Date	Feb 09, 2018
Book Page	5475/3473
Instrument	5508404

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.99%
Type Change Date	Feb 01, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.99%
Index	1-Year LIBOR
Max Rate	7.99%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	615 BINNACLE DR, NAPLES, FL 34103-2725
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058052961
Date	Aug 24, 2020
Book Page	5805/2961
Instrument	5912394

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,222.00 (+3.8%) Homeowner's exemption	$1,720,393 (+5.99%)	$3,315,951 (-18.63%) Land $1,999,140 Building $1,316,811
2023	$14,665.00 (-2.72%) Homeowner's exemption	$1,623,212 (+3%)	$4,075,392 (+20.18%) Land $2,137,542 Building $1,937,850
2022	$15,075.00 Homeowner's exemption	$1,575,934	$3,391,075 Land $1,630,837 Building $1,760,238

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 120210003012, 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 AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 243 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	782 units insured 539 under condo master policies
Nearby Flood Claims	286 (1985–2024)
Claims Outside the SFHA	4 of 286
Most Recent Claim	Oct 2024, tidal / storm surge, Hurricane Milton
Claims By Storm	Hurricane Ian, Sep 2022 · 121 claims Hurricane Ian, Sep 2022 · 108 claims Hurricane Irma, Sep 2017 · 24 claims

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 296 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Hotwire Communications, Orlando Telephone Company. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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