6504 Costa Cir, Naples, FL 34113 Property Records

Collier County property record for 6504 Costa Cir, Naples, FL 34113

Property Summary

Property Type	Single Family Home
Details	2,926 sqft · built 2012
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Trust Names on File
Last Sale	$1,665,000 (Jul 2026)
Tax Bill	$15,687 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`451400 1095B21`

Property Details

APN / Parcel Number

Primary APN	`451400 1095B21`
Alternative APN	`53570102980`

Interior

Stories	1 Story
Building Area	2,926 sqft Living Area
1st Floor Area	2,926 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Masonry / Concrete Block
Lot Area	10,019 sqft (0.23 acres)
Pool Area	532 sqft
Deck Area	995 sqft

Location & Zoning

Street Address	6504 COSTA CIR
City	NAPLES
State	FL
Zip	34113-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LAKOYA LOT 109
Legal Range	26
Legal Township	50
Legal Section	21
Legal Subdivision	LAKOYA
Legal Tract	451400
Legal Block	2
Legal Lot Number	109
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2006
Census Tract	10807

Owner

6504 Costa Cir is owner-occupied and held in a trust since July 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	6504 COSTA CIR, NAPLES, FL 34113-1702
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on File
Deed Sale	Jul 13, 2026 · Amount on File
Prior Sale	Jan 3, 2013 · Amount on File
Deed Document Number	20266849587
Deed Book / Page	6608 / 3230
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 13, 2026
Property Address	6504 COSTA CIR, NAPLES, FL 34113-1702
Document Number	0006849587
Book / Page	6608 / 3230
Instrument Date	Jul 7, 2026
Instrument	20266849587
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,177,155.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	6504 COSTA CIR, NAPLES, FL 34113-1702

Mortgage

Document Number	0006849588,
Date	Jul 13, 2026
Instrument	20266849588

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 6504 Costa Cir was $15,687.

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		$1,383,058 (-1.75%) Land $486,653 Building $896,405	$1,383,058 (-11.2%) Land $486,653 Building $896,405
2025	$15,687.00	$1,407,633	$1,557,571 Land $731,808 Building $825,763
2023	$13,678.00 (+9.05%)	$1,163,333 (+1%)	$1,497,168 (+22.85%) Land $689,990 Building $807,178
2022	$12,543.00	$1,057,575	$1,218,742 Land $392,432 Building $826,310

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

Flood

FEMA maps place 6504 Costa Cir 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	Varies along the reach; see FIRM
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force

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 6504 Costa Cir is low, with 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	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	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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
CenturyLink Fiber	100 / 100

May also be available: Verizon.

Nearby Properties on Costa Cir

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