651 Pine Cone Ln, Naples, FL 34104 Property Records

Collier County property record for 651 Pine Cone Ln, Naples, FL 34104

Property Summary

Property Type	Single Family Home
Details	1,092 sqft · built 1970
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$383,000 (Jul 2026)
Tax Bill	$2,125 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`535900 2 84B34`

Property Details

APN / Parcel Number

Primary APN	`535900 2 84B34`
Alternative APNs	`65670960007125200284` `65670960007`

Interior

Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	1,260 sqft
1st Floor Area	1,092 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2000
Construction Type	Masonry / Concrete Block
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	130 ft deep x 74 ft wide
Garage Type	Attached
Garage Area	168 sqft

Location & Zoning

Street Address	651 PINE CONE LN
City	NAPLES
State	FL
Zip	34104-5407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4
Legal Description	PALM SPGS EST UNIT 1 BLK 2 LOT 8 OR 2019 PG 169
Legal Range	26
Legal Township	49
Legal Section	34
Legal Subdivision	PALM SPRINGS ESTATE UNIT 1
Legal Tract	535900
Legal Block	2
Legal Lot Number	8
Legal Unit	1
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2003
Census Tract	10511

Owner

Source: Collier County assessment roll, as of September 9, 2025

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	651 PINE CONE LN, NAPLES, FL 34104-5407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 7, 2023	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Aug 26, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Sep 25, 2018	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 8, 2026 · Amount on Record
Deed Sale	Jul 8, 2026 · Amount on Record
Prior Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	20266847508
Deed Book / Page	6606 / 3671
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 8, 2026
Property Address	651 PINE CONE LN, NAPLES, FL 34104-5407
Document Number	0006847508
Book / Page	6606 / 3671
Instrument Date	Jul 2, 2026
Instrument	20266847508
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	ROSS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$270,781.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 PINE CONE LN, NAPLES, FL 34104-5407

Mortgage

Document Number	0006847509,
Date	Jul 8, 2026
Instrument	20266847509

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	651 PINE CONE LN, NAPLES, FL 34104-5407
Transaction Type	Mortgage
Record Updated	Feb 16, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 PINE CONE LN, NAPLES, FL 34104-5407

Mortgage

Document Number	0062131400
Date	Feb 7, 2023
Book Page	6213/1400
Instrument	6360221

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Oct 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	651 PINE CONE LN, NAPLES, FL 34104-5407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 PINE CONE LN, NAPLES, FL 34104-5407

Mortgage

Document Number	0058063916
Date	Aug 26, 2020
Book Page	5806/3916
Instrument	5913724

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Oct 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 25, 2018
Property Address	651 PINE CONE LN, NAPLES, FL 34104-5407
Document Number	0055553427
Book / Page	5555 / 3427
Map Reference	MB8 PG22
Instrument Date	Sep 21, 2018
Instrument	5616306
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ACTION TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,564.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5201 CYPRESS LN, 5201, NAPLES, FL 34113-7709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 PINE CONE LN, NAPLES, FL 34104-5407

Mortgage

Document Number	0005616307
Date	Sep 25, 2018
Instrument	5616307

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: Collier County assessment roll, as of September 9, 2025

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
2025	$2,125.00 (+6.73%) Homeowner's exemption	$214,761 (+5.99%)	$256,091 (+1.3%) Land $150,630 Building $105,461
2024	$1,991.00 (+1.69%)
2023	$1,958.00 (-1.01%) Homeowner's exemption	$202,629 (+3%)	$252,813 (+3.78%) Land $146,362 Building $106,451
2022	$1,978.00 Homeowner's exemption	$196,727	$243,598 Land $134,469 Building $109,129

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

Flood

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 Record median of 49 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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

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	None beyond ember reach

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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Orlando Telephone Company.

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