686 S Golf Dr, Naples, FL 34102 Property Records

Collier County property record for 686 S Golf Dr, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	3,655 sqft · built 2019
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,050,000 (Sep 2020)
Tax Bill	$55,185 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`054100 A 24A33`

Property Details

APN / Parcel Number

Primary APN	`054100 A 24A33`
Alternative APNs	`08530080000` `8530080000`

Interior

Stories	2 Stories
Building Area	3,655 sqft Living Area
Gross Area	3,981 sqft
1st Floor Area	3,655 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	191 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	326 sqft
Parking Spaces	1 Parking Space
Pool Area	544 sqft
Deck Area	1,585 sqft

Location & Zoning

Street Address	686 S GOLF DR
City	NAPLES
State	FL
Zip	34102-5353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	GOLF DRIVE EST BLK A LOT 2 OR 1596 PG 2354 OR 1614 PG 2185
Legal Range	25
Legal Township	49
Legal Section	33
Legal Subdivision	GOLF DRIVE ESTATES
Legal Tract	054100
Legal Block	A
Legal Lot Number	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1002
Census Tract	102

Owner

Source: Collier County records, as of January 16, 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	1010 BROOKLANDWOOD RD, LUTHERVILLE TIMONIUM, MD 21093-3701
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2020	Warranty Deed, Transfer · Conventional Mortgage M & T BANK
Feb 19, 2018	Warranty Deed, Transfer · Commercial Mortgage FIRST AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2020 · Amount on Record
Deed Sale	Sep 9, 2020 · Amount on Record
Prior Sale	Feb 19, 2018 · Amount on Record
Deed Document Number	20205920630
Deed Book / Page	5813 / 2006
Prior Transfer Date	Sep 20, 2008
Prior Transfer Doc	0044152255
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 9, 2020
Property Address	686 S GOLF DR, NAPLES, FL 34102-5353
Document Number	0058132006
Book / Page	5813 / 2006
Map Reference	MB 3 PG 49
Instrument Date	Sep 8, 2020
Instrument	5920630
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4217 CRAYTON RD, 4217, NAPLES, FL 34103-8524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 BROOKLANDWOOD RD, LUTHERVILLE TIMONIUM, MD 21093-3701

Mortgage

Document Number	0058132008
Date	Sep 9, 2020
Instrument	5813/2008

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 19, 2018
Property Address	686 S GOLF DR, NAPLES, FL 34102-5353
Document Number	0054782747
Book / Page	5478 / 2747
Map Reference	MB3 PG49
Instrument Date	Feb 13, 2018
Instrument	5512532
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$8,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	126 CHAUCER CT, 126, WILLOWBROOK, IL 60527-5465

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3377 GULF SHORE BLVD N APT 1C, 1C, NAPLES, FL 34103-3603

Mortgage

Document Number	0005512534
Date	Feb 19, 2018
Instrument	5512534

Lender

Name	FIRST AMERICAN BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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
2025	$55,185.00 (+14.82%)	$5,282,277 (+21%)	$7,017,713 (+33.43%) Land $3,437,400 Building $3,580,313
2024	$48,062.00 (+8.65%)
2023	$44,234.00 (+0.5%)	$4,365,518 (+1%)	$5,259,521 (+2.9%) Land $2,388,993 Building $2,870,528
2022	$44,013.00	$3,968,653	$5,111,539 Land $2,508,443 Building $2,603,096

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 334 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	366 units insured incl. 32 condo units
Nearby Flood Claims	151 (1985–2024)
Claims Outside the SFHA	11 of 151
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 56 claims Hurricane Irma, Sep 2017 · 17 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	Not rated no burnable land within 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	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 307 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

May also be available: CenturyLink.

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