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689 Rudder Rd, Naples, FL 34102 Property Records

Collier County property record for 689 Rudder Rd, Naples, FL 34102

Property Summary

Property TypeSingle Family Home
Details4,001 sqft · built 2019
Lot Size0.38 acres (16,553 sqft)
Owner2 Individual Names on File
Last Sale$3,300,000 (Jul 2020)
Tax Bill$26,266 (2025)
Deeds & MortgagesJul 2020 Sale & Line of Credit
Feb 2019 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN086800 D 194A28

Property Details

APN / Parcel Number

Primary APN086800 D 194A28
Alternative APNs
  • 12732760004023100D194
  • 12732760004

Interior

Stories1 Story
Building Area4,001 sqft Living Area
1st Floor Area4,001 sqft

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Construction TypeMasonry / Concrete Block
Lot Area16,553 sqft (0.38 acres)
Garage TypeCarport
Garage Area120 sqft
CarportCarport
Carport Area120 sqft
Pool Area336 sqft
Deck Area1,713 sqft

Location & Zoning

Street Address689 RUDDER RD
CityNAPLES
StateFL
Zip34102-5040
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeNAPLES
Legal DescriptionMOORINGS UNIT 1 BLK D LOT 19 OR 1349 PG 2035
Legal Range25
Legal Township49
Legal Section28
Legal SubdivisionMOORINGS UNIT 1
Legal Tract086800
Legal BlockD
Legal Lot Number19
Legal Unit1
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group1
Census Block1002
Census Tract302

Owner

689 Rudder Rd is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record2 Individual Names on File
Mailing Address689 RUDDER RD, NAPLES, FL 34102-5040
OccupancyOwner Occupied
Owner TypeIndividual
VestingRight of Survivorship

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

DateDocument
Jul 29, 2020Warranty Deed, Transfer · Line of Credit
FINEMARK NATIONAL BANK & TRUST
Feb 14, 2019Deed of Trust, Mortgage
689 RUD LLC
Jul 12, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 29, 2020 · Amount on File
Deed SaleJul 29, 2020 · Amount on File
Prior SaleJul 12, 2017 · Amount on File
Deed Document Number20205900059
Deed Book / Page5793 / 3914
Record UpdatedOct 29, 2026

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateJul 29, 2020
Property Address689 RUDDER RD, NAPLES, FL 34102-5040
Document Number0057933914
Book / Page5793 / 3914
Map ReferenceMB 3 PG 81
Instrument DateJul 21, 2020
Instrument5900059
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$23,100.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5850 SHIRLEY ST STE 101, 5850, NAPLES, FL 34109-2307

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address689 RUDDER RD, NAPLES, FL 34102-5040

Mortgage

Document Number0057933916
DateJul 29, 2020
Instrument5793/3916
Lender
NameFINEMARK NATIONAL BANK & TRUST
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record
Term361 Months
DueAug 1, 2050

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLLIER FL
Property Address689 RUDDER RD, NAPLES, FL 34102-5040
Document Number0056001211
Instrument DateFeb 14, 2019
Transaction TypeMortgage
Record UpdatedMar 5, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6240 SHIRLEY ST #101 NAPLES FL 341096254, 101, NAPLES, FL 34109-6254

Mortgage

Document Number0056001211
DateFeb 20, 2019
Book Page005600/001211
Instrument5674272
Lender
Name689 RUD LLC
Address750 11TH ST S # 202, NAPLES, FL 34102-6719
Agreement
AmountAmount on Record
Interest
Rate TypeFixed Rate

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateJul 12, 2017
Property Address689 RUDDER RD, NAPLES, FL 34102-5040
Document Number0054142493
Book / Page005414 / 002493
Instrument DateJun 30, 2017
Instrument5428380
Transaction TypeTransfer
Record UpdatedJul 24, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$6,790.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6240 SHIRLEY ST #101 NAPLES FL 341096254, 101, NAPLES, FL 34109-6254

Tax Assessment & Valuation

The 2025 property tax bill for 689 Rudder Rd was $26,266 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,019,964 (+2.7%)$4,198,288 (+9.32%) Land $1,646,955 Building $2,551,333
2025$26,266.00 Homeowner's exemption$2,940,569$3,840,487 Land $2,157,220 Building $1,683,267
2023$25,318.00 (-2.75%) Homeowner's exemption$2,774,462 (+3%)$5,321,951 (+35.65%) Land $2,820,980 Building $2,500,971
2022$26,035.00 Homeowner's exemption$2,693,652$3,923,358 Land $1,655,252 Building $2,268,106

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

Flood

FEMA maps place 689 Rudder Rd in Zone X, an area of moderate flood risk, within 500 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 233 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies256 units insured
incl. 23 condo units
Nearby Flood Claims143 (1979–2024)
Claims Outside the SFHA13 of 143
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 8 claims
  • Hurricane Ian, Oct 2022 · 56 claims
  • Hurricane Ian, Sep 2022 · 46 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 689 Rudder Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% 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 SystemNAPLES WATER DEPT
serves 83,804 people · EPA ID FL5110198
Water SourceGroundwater
Last State InspectionJun 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 Reporting13
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

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

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