6649 Stonegate Dr, Naples, FL 34109 Property Records

Collier County property record for 6649 Stonegate Dr, Naples, FL 34109

Property Summary

Property Type	Single Family Home
Details	3,143 sqft · built 1994
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,210,000 (Aug 2020)
Tax Bill	$9,106 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2022 Line of Credit + 5 more
Flood Zone	Zone X (moderate risk)
APN	`256900 194A02`

Property Details

APN / Parcel Number

Primary APN	`256900 194A02`
Alternative APNs	`29517502108056452194` `29517502108`

Interior

Stories	1 Story
Building Area	3,143 sqft Living Area
1st Floor Area	3,143 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Lot Area	29,185 sqft (0.67 acres)
Pool Area	396 sqft
Deck Area	2,083 sqft

Location & Zoning

Street Address	6649 STONEGATE DR
City	NAPLES
State	FL
Zip	34109-7204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	CROSSINGS THE, STONEGATE LOT 19
Legal Range	25
Legal Township	49
Legal Section	2
Legal Subdivision	CROSSINGS THE, STONEGATE
Legal Tract	256900
Legal Block	3
Legal Lot Number	19
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3000
Census Tract	10216

Owner

Source: Collier County records, as of September 25, 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 Record
Mailing Address	6549 STONEGATE DR, NAPLES, FL 34109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FEDERAL CREDIT UNION
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FCU
Mar 8, 2022	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Feb 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU
Aug 2, 2021	Deed of Trust, Mortgage · Line of Credit FINEMARK NATIONAL BANK & TRUST
Aug 17, 2020	Warranty Deed, Transfer · Commercial Mortgage FINEMARK NATIONAL BANK & TRUST
Apr 19, 2018	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Prior Sale	Apr 19, 2018 · Amount on Record
Deed Document Number	20205908946
Deed Book / Page	5802 / 1647
Prior Transfer Date	Jun 3, 1997
Prior Transfer Doc	2321002568
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	Sep 15, 2026
Property Address	6649 STONEGATE DR, NAPLES, FL 34109-7204
Document Number	0006874467
Book / Page	6629 / 1341
Instrument Date	Sep 9, 2026
Instrument	20266874467
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6649 STONEGATE DR, NAPLES, FL 34109-7204

Mortgage

Document Number	0006874467,
Date	Sep 15, 2026
Book Page	6629/1341
Instrument	20266874467

Lender

Name	ELEMENTS FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	6649 STONEGATE DR, NAPLES, FL 34109-7204
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6649 STONEGATE DR, NAPLES, FL 34109-7204

Mortgage

Document Number	0061731485
Date	Sep 14, 2022
Book Page	6173/1485
Instrument	6308118

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	6649 STONEGATE DR, NAPLES, FL 34109-7204
Transaction Type	Mortgage
Record Updated	Mar 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060941942
Date	Mar 8, 2022
Book Page	6094/1942
Instrument	6216169

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	6649 STONEGATE DR, NAPLES, FL 34109-7204
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060801898
Date	Feb 4, 2022
Book Page	6080/1898
Instrument	6200531

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	6649 STONEGATE DR, NAPLES, FL 34109-7204
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	TALCON TITLE SERVICES LLC, ACTION TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059911203
Date	Aug 2, 2021
Book Page	5991/1203
Instrument	6106026

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	NAPLES, FL 34108

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 17, 2020
Property Address	6649 STONEGATE DR, NAPLES, FL 34109-7204
Document Number	0058021647
Book / Page	5802 / 1647
Map Reference	MB 15 PG 37&38
Instrument Date	Aug 14, 2020
Instrument	5908946
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7806 EMERALD CIR APT 203, 7806, NAPLES, FL 34109-1786

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6649 STONEGATE DR, NAPLES, FL 34109-7204

Mortgage

Document Number	0058021649
Date	Aug 17, 2020
Instrument	5802/1649

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 19, 2018
Property Address	6649 STONEGATE DR, NAPLES, FL 34109-7204
Document Number	0054993695
Book / Page	005499 / 003695
Instrument Date	Apr 5, 2018
Instrument	5542998
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,245.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6649 STONEGATE DR NAPLES FL 341097204, NAPLES, FL 34109-7204

Mortgage

Document Number	54993697
Date	Apr 19, 2018
Book Page	005499/003697
Instrument	5542999

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2048

Tax Assessment & Valuation

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		$998,304 (+2.96%)	$1,991,584 (-13.28%) Land $1,219,865 Building $771,719
2025	$9,106.00 (+5.61%) Homeowner's exemption	$969,630 (+8.65%)	$2,296,451 (-0.34%) Land $1,683,150 Building $613,301
2023	$8,622.00 (-2.95%) Homeowner's exemption	$892,446 (+3%)	$2,304,232 (+54.82%) Land $1,499,400 Building $804,832
2022	$8,884.00 Homeowner's exemption	$866,452	$1,488,348 Land $779,468 Building $708,880

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 189 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	401 units insured incl. 212 condo units
Nearby Flood Claims	11 (2010–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 5 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 264 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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