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686 Wiggins Bay Dr, Naples, FL 34110 Property Records

Collier County property record for 686 Wiggins Bay Dr, Naples, FL 34110

Property Summary

Property TypeCondominium
Details1,181 sqft · built 1994
OwnerCompany Name on File
Last Sale$545,000 (Oct 2023)
Tax Bill$4,333 (2025)
Deeds & MortgagesOct 2023 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN713800 3 3L3A16

Property Details

APN / Parcel Number

Primary APN713800 3 3L3A16
Alternative APN
  • 81845000103

Interior

Building Area1,181 sqft Living Area
1st Floor Area1,181 sqft

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Architectural StyleCondo/Apartment

Location & Zoning

Street Address686 WIGGINS BAY DR
CityNAPLES
StateFL
Zip34110-6022
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionWIGGINS BAY VILLAS A CONDOMINIUM PHASE 3 UNIT 3L
Legal Range25
Legal Township48
Legal Section16
Legal SubdivisionWIGGINS BAY VILLAS A CONDOMINIUM
Legal Phase3
Legal Tract713800
Legal Block1
Legal Lot Number3L
Legal Unit3L
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group1
Census Block1008
Census Tract10111

Owner

686 Wiggins Bay Dr, a condominium, is owned by a company that bought it in October 2023.

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

Owner of RecordCompany Name on File
Mailing Address686 WIGGINS BAY DR, 3-3L, NAPLES, FL 34110-6022
Owner TypeCompany
VestingBorrower in Default

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 NamesName on Deed
Last SaleOct 3, 2023 · Amount on File
Deed SaleOct 3, 2023 · Amount on File
Prior SaleJun 22, 2015 · Amount on File
Deed Document Number20236459721
Deed Book / Page6292 / 3638
Prior Transfer DateNov 18, 2013
Prior Transfer Doc0049912614
Record UpdatedOct 29, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateOct 3, 2023
Property Address686 WIGGINS BAY DR, NAPLES, FL 34110-6022
Document Number0062923638
Book / Page6292 / 3638
Map ReferenceMB 1987 PG 617-676
Instrument DateSep 29, 2023
Instrument6459721
Transaction TypeTransfer
Record UpdatedOct 16, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,815.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address154 RIVER ST, WEYMOUTH, MA 02191-2217

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address686 WIGGINS BAY DR # 3-31, 3-31, NAPLES, FL 34110-6022

Mortgage

Document Number0062923640
DateOct 3, 2023
Instrument6292/3640
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 686 Wiggins Bay Dr was $4,333.

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyCollier County
Unified School DistrictCollier County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$428,368 (-) Building $428,368$428,368 (-) Building $428,368
2025$4,333.00$428,368 Building $428,368$428,368 Building $428,368
2023$3,471.00 (-2.8%)$315,824 (+6.87%)$344,508 (-1.9%) Building $344,508
2022$3,571.00$295,513$351,189 Building $351,189

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

Flood

FEMA maps place 686 Wiggins Bay Dr 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 210 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies994 units insured
incl. 784 condo units
Nearby Flood Claims269 (2001–2024)
Claims Outside the SFHA52 of 269
Most Recent ClaimNov 2024 · rainfall accumulation
Claims by Event
  • Hurricane Helene, Sep 2024 · 32 claims
  • Hurricane Ian, Oct 2022 · 107 claims
  • Hurricane Ian, Sep 2022 · 81 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 686 Wiggins Bay Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 52% of the US · lower than 77% of Florida
Wildfire Likelihood0.1% annual chance
ExposureNone
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 SystemCOLLIER COUNTY REGIONAL WTP
serves 216,993 people · EPA ID FL5114069
Water SourceGroundwater
Last State InspectionJul 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting9
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 175 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: Summit Broadband.

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