1003 Cardinal St, Naples, FL 34104 Property Records

Collier County property record for 1003 Cardinal St, Naples, FL 34104

Property Summary

Property Type	Single Family Home
Details	1,796 sqft · built 1976
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Nov 2016)
Tax Bill	$2,430 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jan 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`295900 A 125A01`

Property Details

APN / Parcel Number

Primary APN	`295900 A 125A01`
Alternative APNs	`32480480001062400A125` `32480480001`

Interior

Stories	1 Story
Building Area	1,796 sqft Living Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2000
Construction Type	Masonry / Concrete Block
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	1003 CARDINAL ST
City	NAPLES
State	FL
Zip	34104-4401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4
Legal Description	FLAMINGO EST BLK A LOT 12
Legal Range	25
Legal Township	50
Legal Section	1
Legal Subdivision	FLAMINGO ESTATES
Legal Tract	295900
Legal Block	A
Legal Lot Number	12
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2017
Census Tract	10602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2166 ARBOUR WALK CIR # 2413, 2413
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Intrafamily Transfer, Transfer
Jan 6, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
May 10, 2018	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2016 · Amount on Record
Deed Sale	Nov 17, 2016 · Amount on Record
Prior Sale	Oct 23, 2002 · Amount on Record
Deed Document Number	20165335981
Deed Book / Page	5335 / 417
Last Transfer Date	Dec 24, 2025
Transfer Doc	0065403363
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Dec 30, 2025
Property Address	1003 CARDINAL ST, NAPLES, FL 34104-4401
Document Number	0065403363
Book / Page	6540 / 3363
Map Reference	MB 10 PG 34
Instrument Date	Sep 15, 2025
Instrument	6768901
Transaction Type	Transfer
Record Updated	Jan 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1003 CARDINAL ST, NAPLES, FL 34104-4401

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	1003 CARDINAL ST, NAPLES, FL 34104-4401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058720775
Date	Jan 6, 2021
Book Page	5872/775
Instrument	5981031

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	1003 CARDINAL ST, NAPLES, FL 34104-4401
Document Number	0055290149
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Jul 23, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1003 CARDINAL ST NAPLES FL 341044401, NAPLES, FL 34104-4401

Mortgage

Document Number	0055290149
Date	Jul 3, 2018
Book Page	005529/000149
Instrument	5580914

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2048

Interest

Rate	3.25%

Tax Assessment & Valuation

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		$258,526 (+2.7%)	$378,068 (+0.66%) Land $225,201 Building $152,867
2025	$2,430.00 (+22.54%) Homeowner's exemption Widower's exemption	$251,729 (+18.28%)	$375,606 (-12.9%) Land $256,999 Building $118,607
2023	$1,983.00 (-3.41%) Homeowner's exemption Widower's exemption	$212,822 (+3%)	$431,243 (+24.18%) Land $287,490 Building $143,753
2022	$2,053.00 Homeowner's exemption Widower's exemption	$206,623	$347,284 Land $199,875 Building $147,409

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 364 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	398 units insured incl. 34 condo units
Nearby Flood Claims	239 (1982–2024)
Claims Outside the SFHA	12 of 239
Most Recent Claim	Oct 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

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

Wildfire Risk	Not rated no burnable land within 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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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

Provider	Max 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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