837 Reef Point Cir, Naples, FL 34108 Property Records

Collier County property record for 837 Reef Point Cir, Naples, FL 34108

Property Summary

Property Type	Condominium
Details	1,359 sqft · built 1986
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$337,500 (Dec 2010)
Tax Bill	$5,946 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`000100 055 03A33`

Property Details

APN / Parcel Number

Primary APN	`000100 055 03A33`
Alternative APNs	`000100 055 3A33` `00171160002` `171160002`

Interior

Building Area	1,359 sqft Living Area
1st Floor Area	1,359 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Condo/Apartment
Lot Area	1,742 sqft (0.04 acres)

Location & Zoning

Street Address	837 REEF POINT CIR
City	NAPLES
State	FL
Zip	34108-8767
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMF-6
Legal Description	33 48 25 VILLA #42, BEACHWALK (HO)
Legal Range	25
Legal Township	48
Legal Section	33
Legal Subdivision	ACREAGE HEADER
Legal Tract	000100
Legal Block	1
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1003
Census Tract	10109

Owner

837 Reef Point Cir, a condominium, is owned and occupied by two individuals who bought it in December 2010.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	837 REEF POINT CIR, NAPLES, FL 34108-8767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC
Dec 26, 2017	Deed of Trust, Mortgage · ARM PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2010 · Amount on File
Deed Sale	Dec 16, 2010 · Amount on File
Prior Sale	Aug 23, 1996 · Amount on File
Deed Document Number	20104506313
Deed Book / Page	4633 / 2031
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	837 REEF POINT CIR, NAPLES, FL 34108-8767
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	ALLIANCE TITLE, ALLEGIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	375 CANAL ST 804, 804, SOMERVILLE, MA 02145-4341

Mortgage

Document Number	0060441453
Date	Nov 19, 2021
Book Page	6044/1453
Instrument	6161891

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	Other
Max Rate	7.5%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	837 REEF POINT CIR, NAPLES, FL 34108-8767
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054613952
Date	Dec 26, 2017
Book Page	5461/3952
Instrument	5488437

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SAN BRUNO, CA 94066

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

The 2025 property tax bill for 837 Reef Point Cir was $5,946.

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		$534,240 (-4.81%) Building $534,240	$534,240 (-16.91%) Building $534,240
2025	$5,946.00	$561,248	$642,960 Building $642,960
2023		$463,841	$692,320 Building $692,320
2021	$4,413.00

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

Flood

FEMA maps place 837 Reef Point Cir 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 160 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	464 units insured incl. 304 condo units
Nearby Flood Claims	5 (2009–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 837 Reef Point Cir 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 Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Summit Broadband.

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