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986 Coconut Cir W, Naples, FL 34104 Property Records

Collier County property record for 986 Coconut Cir W, Naples, FL 34104

Property Summary

Property TypeSingle Family Home
Details1,075 sqft · built 1961
Lot Size0.22 acres (9,583 sqft)
Owner2 Individual Names on File
Last Sale$369,000 (Sep 2025)
Tax Bill$3,591 (2025)
Deeds & MortgagesSep 2025 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN225400 C 25A01

Property Details

APN / Parcel Number

Primary APN225400 C 25A01
Alternative APNs
  • 26581000008050600C25
  • 26581000008

Interior

Stories1 Story
Building Area1,075 sqft Living Area
1st Floor Area1,075 sqft

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Construction TypeMasonry / Concrete Block
Lot Area9,583 sqft (0.22 acres)

Location & Zoning

Street Address986 COCONUT CIR W
CityNAPLES
StateFL
Zip34104-4611
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-4
Legal DescriptionCOCONUT GROVE UNIT 1 BLK C LOT 2 OR 1222 PG 2181
Legal Range25
Legal Township50
Legal Section1
Legal SubdivisionCOCONUT GROVE UNIT 1
Legal Tract225400
Legal BlockC
Legal Lot Number2
Legal Unit1
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group2
Census Block2033
Census Tract10602

Owner

986 Coconut Cir W is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record2 Individual Names on File
Mailing Address986 COCONUT CIR W, NAPLES, FL 34104-4611
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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 Names2 Names on Deed
Last SaleSep 29, 2025 · Amount on File
Deed SaleSep 29, 2025 · Amount on File
Prior SaleNov 25, 2014 · Amount on File
Deed Document Number20256735021
Deed Book / Page6511 / 2903
Record UpdatedOct 29, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateSep 29, 2025
Property Address986 COCONUT CIR W, NAPLES, FL 34104-4611
Document Number0065112903
Book / Page6511 / 2903
Map ReferenceMB 4 PG 69
Instrument DateSep 24, 2025
Instrument6735021
Transaction TypeTransfer
Record UpdatedOct 15, 2025
Title CompanySUNBELT TITLE AGENCY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,583.00
Amount AccuracyFull Amount Stated
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5691 DOGWOOD WAY, NAPLES, FL 34116-4905

Transferred To (Grantee/Buyer)

NameVerified Name
Address986 COCONUT CIR W, NAPLES, FL 34104-4611

Mortgage

Document Number0065112905
DateSep 29, 2025
Instrument6511/2905
Lender
NameNEW AMERICAN FUNDING
TypeLending Institution
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2055

Mortgage

Document Number0065112920
DateSep 29, 2025
Book Page6511/2920
Instrument6735023
Lender
NameNEW AMERICAN FUNDING
TypeLending Institution
AddressDALLAS, TX 75287
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 986 Coconut Cir W was $3,591, up 225.3% from the year before.

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$293,903 (-7.28%) Land $218,224 Building $75,679$293,903 (-7.28%) Land $218,224 Building $75,679
2025$3,591.00 (+225.27%)$316,973 (+156.36%) Land $282,704 Building $34,269$316,973 (+3.54%) Land $282,704 Building $34,269
2024$1,104.00 (+2.41%) Homeowner's exemption$123,643 (+3%)$306,144 (+14.46%) Land $254,914 Building $51,230
2023$1,078.00 (+0.65%) Homeowner's exemption$120,042 (+3%)$267,471 (+6.48%) Land $215,622 Building $51,849
2022$1,071.00 Homeowner's exemption$116,546$251,187 Land $198,731 Building $52,456

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 986 Coconut Cir W 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 Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 364 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies398 units insured
incl. 34 condo units
Nearby Flood Claims239 (1982–2024)
Claims Outside the SFHA12 of 239
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Ian, Oct 2022 · 67 claims
  • Hurricane Ian, Sep 2022 · 62 claims
  • Hurricane Irma, Sep 2017 · 47 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 986 Coconut Cir W 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 262 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

May also be available: Hotwire Communications.

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