685 Bow Line Dr, Naples, FL 34103 Property Records

Collier County property record for 685 Bow Line Dr, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	2,803 sqft · built 1960
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Trust Names on File
Last Sale	$391,000 (Sep 2012)
Tax Bill	$5,820 (2025)
Deeds & Mortgages	May 2026 Sale
Flood Zone	Zone X (moderate risk)
APN	`086800 B 84A28`

Property Details

APN / Parcel Number

Primary APN	`086800 B 84A28`
Alternative APNs	`12730920008023100B84` `12730920008`

Interior

Stories	1 Story
Building Area	2,803 sqft Living Area
1st Floor Area	2,803 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1985
Construction Type	Masonry / Concrete Block
Lot Area	18,731 sqft (0.43 acres)
Pool Area	392 sqft
Deck Area	784 sqft

Location & Zoning

Street Address	685 BOW LINE DR
City	NAPLES
State	FL
Zip	34103-4732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	MOORINGS UNIT 1 BLK B LOT 8
Legal Range	25
Legal Township	49
Legal Section	28
Legal Subdivision	MOORINGS UNIT 1
Legal Tract	086800
Legal Block	B
Legal Lot Number	8
Legal Unit	1
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2012
Census Tract	302

Owner

685 Bow Line Dr is owner-occupied and held in a trust since September 2012.

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

Owner of Record	2 Trust Names on File
Mailing Address	685 BOW LINE DR, NAPLES, FL 34103-4732
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	Sep 19, 2012 · Amount on File
Deed Sale	Sep 19, 2012 · Amount on File
Prior Sale	Mar 21, 1994 · Amount on File
Deed Document Number	20124741102
Deed Book / Page	4836 / 3334
Prior Transfer Date	Dec 6, 2002
Prior Transfer Doc	3172001341
Record Updated	Oct 29, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 4, 2026
Property Address	685 BOW LINE DR, NAPLES, FL 34103-4732
Document Number	0065822205
Book / Page	6582 / 2205
Instrument Date	Apr 23, 2026
Instrument	20266819383
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	685 BOW LINE DR, NAPLES, FL 34103-4732

Tax Assessment & Valuation

The 2025 property tax bill for 685 Bow Line Dr was $5,820, up 2.3% from the year before.

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		$700,139 (+2.7%)	$1,561,184 (-40.08%) Land $1,404,988 Building $156,196
2025	$5,820.00 (+2.27%) Homeowner's exemption	$681,732	$2,605,402 Land $2,431,260 Building $174,142
2024	$5,691.00 (+1.7%)
2023	$5,596.00 (-2.59%) Homeowner's exemption	$643,222 (+3%)	$3,257,419 (+50.15%) Land $3,179,340 Building $78,079
2022	$5,745.00 Homeowner's exemption	$624,487	$2,169,410 Land $1,865,525 Building $303,885

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

Flood

FEMA maps place 685 Bow Line Dr in Zone X, an area of moderate flood risk, within 100 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 100 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 685 Bow Line Dr 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% 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 253 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