Blog (239) 544-6423
SPYGLASS INVESTIGATIONS

Collier County

Foreclosure & tax deed · Naples · Marco Island · Golden Gate · Immokalee

Distressed-property acquisition research, ownership investigations, and due diligence from Spyglass Investigations. Explore services · Contact us

29OCT
COLLIER · FORECLOSURE · 11:00 ET

Thursday, October 29: 4 properties

BID 2WATCH 1PASS 1
  • ✅9849 Montiano Dr — FJ $730.6K vs. value $3.87M. Obtain HOA and golf association estoppel before bidding.
  • ✅3080 22nd Ave NE — Suggested limit $221K. Judgment approximately $835K; lender may bid above the limit.
  • 👀3856 / 3864 / 3872 14th St N — Three lots. Suggested conditional limit $699K, but $8.56M owed to private lender and potential contractor liens.
  • ⛔4778 Southern Breeze Dr — HOA foreclosure. Existing Peoples Bank mortgage estimated at ~$100K may survive.
Open report

Property shortlist

OCT 29 · 11:00 AM
9849 Montiano DrTreviso Bay · Naples 34113Max bid $1.88MBID3080 22nd Ave NEGolden Gate Estates · Naples 34120Max bid $221KBID3856 / 3864 / 3872 14th St NThree parcels · Naples 34103Max bid $699KWATCH4778 Southern Breeze DrPelican Lake RV Resort · Naples 34114Max bid $0PASS
How we calculate. Market reference = reported property-appraiser value, reviewed alongside nearby sales. Suggested max bid = 50% of that value less estimated amounts that could remain with the buyer. Confirm any legal title or lien impact before bidding.

Detailed property research

Four cases · prepared Oct 24
Aerial showing the highlighted 9849 Montiano Drive property from the submitted report
Actual parcel aerial · supplied report reference
BID$1.88M

COLLIER COUNTY · 11-2026-CA-000219

9849 Montiano Dr

Treviso Bay · Naples 34113

APPRAISER VALUE$3.87M
JUDGMENT / DEBT$730.6K
FLOOD ZONEAE

FJ $730.6K vs. value $3.87M. Obtain HOA and golf association estoppel before bidding.

Full mortgage, liens, title risks & comparables

Naples 34113 · Montiano (Treviso Bay)

House 3,683 sf living (5,922 total) · 2020 · pool + spa · 0.39 ac · no homestead

Appraiser: $3,868,280 · Judgment: $730,631 · Limit: $1.88M

Case: 11-2026-CA-000219 · Wilmington Savings Fund Society, FSB (trustee CHNGE Mortgage Trust 2023-3), servicer Shellpoint

Which mortgage is foreclosed: 1st mortgage Change Lending (MERS) 06/15/2022, $655,000 — inst. 6273111, OR 6144/2342; assignment inst. 6547656, OR 6361/11

1st mortgage: the plaintiff — wiped by sale

2nd mortgage: none found (OR by Howarth since 2000)

Defendants: Pamela & Robert Howarth, Treviso Bay POA Master Association, Treviso Bay Golf Club — all served Feb 2026, clerk default

Lis pendens: inst. 6787972, OR 6555/3190 (02/20/2026)

Judgment: FJ 09/15/2026, inst. 6875668, OR 6630/809: principal $636,386.78 + interest $67,230 + taxes $39,876 + insurance $23,344 − escrow $45,055 + costs/fees = TOTAL $730,630.50

HOA: Treviso Bay POA Master + mandatory golf club (defendants, no lien recorded); unpaid dues pass to buyer (720.3085) — get estoppel

Taxes: 2026: $42,308 (no homestead)

Mortgages, liens, fines

1st mortgage Change Lending 2022 $655K, OR 6144/2342 — plaintiff, FJ $730,630.50 (OR 6630/809)

Prior Change Lending suits (LP 2024 OR 6379/276; 2025 OR 6446/1364) — both dismissed (OR 6400/2311; 6467/1147)

Treviso Bay POA / golf club — no lien found in OR; dues pass to buyer, amount unknown → $40K reserve

Notices of Commencement 2019–2021 (house build) — no liens

County code fines — none in OR; county portal (CAPTCHA) not checked

Nearby sales: 9917 Montiano Dr $4,400,000 (01/2025); 9901 Montiano Dr $3,900,000 (03/2025); 9937 Montiano Dr $3,050,000 (04/2026); 9946 Montiano Dr $3,100,000 (07/2026)

Parties: Plaintiff Wilmington — FJ on 1st mortgage. Howarths, Treviso Bay POA, golf club — served, no answer, default. No cancellation, bankruptcy or reschedule on docket (10/24/2026).

Options: Mortgage wiped (plaintiff). HOA/golf dues survive under 720.3085 — get Treviso Bay estoppel (and check for a separate Montiano association). AE zone — insurance required.

🌊 Flood: AE (coastal floodplain), BFE 8 ft — insurance required; ~$10K/yr deducted

DECISION: GO · limit $1.88M

Risk: heavy competition (FJ $731K vs value $3.9M); HOA/golf debt unknown.

View address-specific listing & photos ↗Published foreclosure notice ↗
Satellite view of the property address · use map controls to inspect
BID$221K

COLLIER COUNTY · 11-2026-CA-000472

3080 22nd Ave NE

Golden Gate Estates · Naples 34120

APPRAISER VALUE$446K
JUDGMENT / DEBT$834.7K
FLOOD ZONEAH

Suggested limit $221K. Judgment approximately $835K; lender may bid above the limit.

Full mortgage, liens, title risks & comparables

Naples 34120 · Golden Gate Estates Unit 70

House 1,545 sf living (1,946 total) · 2020 · 2.65 ac · well · no homestead

Appraiser: $446,089 · Judgment: $834,693 · Limit: $221K

Case: 11-2026-CA-000472 · AmeriHome Mortgage Company (servicer ServiceMac)

Which mortgage is foreclosed: 1st mortgage Freedom Mortgage (MERS) 04/17/2025, $755,250 — inst. 6671479, OR 6460/1107; assigned to AmeriHome inst. 6755384, OR 6528/3378

2nd mortgage: none found

Defendants: Rogelio Rodriguez, Amber R. Vogler, unknown spouse — served by publication (04/17/2026), court default 09/28/2026

Lis pendens: filed 02/23/2026 (docket); not found in OR name index

Judgment: FJ 09/28/2026, inst. 6880034, OR 6633/2944 — TOTAL $834,692.72

HOA: none · Taxes: 2026: $5,676

Mortgages, liens, fines

1st mortgage Freedom/AmeriHome 2025 $755,250, OR 6460/1107 — plaintiff

Rocket Mortgage 2024 (other parcel) — satisfied, OR 6455/1401

Naples HMA judgment 2019 vs owner, OR 5689/3014 — satisfied (OR 6200/273)

County code fines — none in OR; portal not checked

Nearby sales: 2341 18th Ave NE $440,000 (02/2025); 2421 22nd Ave NE $470,000 (07/2026); 2591 18th Ave NE $480,000 (05/2025); 2721 18th Ave NE $568,000 (07/2026); 2620 24th Ave NE $580,000 (04/2026)

Options: service by publication — small motion-to-vacate risk. No other liens. Bought 2025 for $795K; appraiser $446K.

🌊 Flood: AH — ~$2K/yr insurance deducted

DECISION: GO · limit $221K

Risk: bank will likely bid above the limit (FJ $835K).

View property listing & actual photos ↗Published foreclosure notice ↗
Satellite view of the property address · use map controls to inspect
WATCH$699K

COLLIER COUNTY · 11-2026-CA-001524

3856 / 3864 / 3872 14th St N

Three parcels · Naples 34103

APPRAISER VALUE$1.397M
JUDGMENT / DEBT$8.56M debt
FLOOD ZONEAH

Three lots. Suggested conditional limit $699K, but $8.56M owed to private lender and potential contractor liens.

Full mortgage, liens, title risks & comparables

Naples 34103 · 3 building lots × 0.35 ac (folios 63823000062, 63823000046, 63823000020) · vacant as of 01/01/2026 · backs onto Goodlette-Frank Rd

Appraiser: $1,397,197 · Debt (affidavit): $8,557,736 · Limit: $699K

Case: 11-2026-CA-001524 · Security Capital Ventures LLC (private lender)

Which mortgage is foreclosed: 1st mortgage SCV 10/18/2023 — inst. 6467341, OR 6298/2742; modifications OR 6375/1180, 6377/313 and OR 6555/3704 (+$3.5M)

2nd mortgage: seller New Dasa LLC — OR 6298/2767; defendant → wiped

Defendants: Lisa B Hemingway Entry LLC (owner) and New Dasa LLC — served, default

Judgment: Default FJ 09/28/2026, inst. 6880757, OR 6634/1362; debt per affidavit $8,557,736 as of 07/31/2026

Notice of Commencement Artisan Building 04/27/2026 — OR 6579/3653–3655: possible construction liens, contractors not defendants → wiped?

Ferguson Waterworks lien OR 6619/1936 — satisfied (OR 6623/110)

Nearby sales: 3892 14th St N $650,000 (02/2025); 3550 14th St N $552,500 (04/2025); 2840 14th St N $580,000 (01/2026)

🌊 Flood: AH (lots vacant)

DECISION: WATCH (conditional GO, limit $699K)

Risk: plaintiff can credit-bid up to ~$8.6M; contractor liens.

View three-parcel public sale notice ↗Property parcel reference ↗
Satellite view of the property address · use map controls to inspect
PASS$0

COLLIER COUNTY · 11-2025-CA-001638

4778 Southern Breeze Dr

Pelican Lake RV Resort · Naples 34114

APPRAISER VALUE$167K
JUDGMENT / DEBT$60.3K
FLOOD ZONEAE

HOA foreclosure. Existing Peoples Bank mortgage estimated at ~$100K may survive.

Full mortgage, liens, title risks & comparables

Naples 34114 · Pelican Lake RV Resort, RV lot 0.12 ac

Appraiser: $167,270 · Judgment: $60,313 · Limit: $0

Case: 11-2025-CA-001638 · Pelican Lake Property Owners Association (HOA lien OR 6390/2802)

1st mortgage: Peoples Bank 2017, $136,000 — OR 5423/148; 6.25% ARM, 100K (est.)

Judgment: FJ 09/23/2026, OR 6632/3273 — $57,907 + $2,406 for Q4 = $60,313

Certified Diesel judgments 2018 (OR 5565/2968, 5570/2060) — creditor is a defendant → wiped

Nearby sales: Block E lots $160–204.5K in 2026. 🌊 AE, BFE 8 ft.

DECISION: NO GO · 100K < 0

View specific parcel details ↗Published foreclosure action notice ↗

Data gaps & verification

Items not checked in the October 24 source: school zones, county code-fine portal, Treviso Bay HOA/golf estoppel, and the SCV judgment amount table. The Peoples Bank balance is an estimate. Sale status and lien priorities require independent confirmation.

No cancellations were found as of the report's preparation date; this does not establish current auction status. Report bid classifications are research opinions, not financial or legal advice.