10129 Florence Cir, Naples, FL 34119 Property Records

Collier County property record for 10129 Florence Cir, Naples, FL 34119

Property Summary

Property Type	Single Family Home
Details	2,392 sqft · built 2021
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$705,326 (Feb 2021)
Tax Bill	$7,508 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`531550 33B20`

Property Details

APN / Parcel Number

Primary APN	`531550 33B20`
Alternative APN	`64917000142`

Interior

Building Area	2,392 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Masonry / Concrete Block
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Pool Area	270 sqft
Deck Area	739 sqft

Location & Zoning

Street Address	10129 FLORENCE CIR
City	NAPLES
State	FL
Zip	34119-9696
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALAZZO AT NAPLES LOT 3
Legal Range	26
Legal Township	48
Legal Section	20
Legal Subdivision	PALAZZO AT NAPLES
Legal Tract	531550
Legal Block	2
Legal Lot Number	3
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	2
Census Block	2002
Census Tract	11207

Owner

Source: Collier County records, as of August 12, 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	10129 FLORENCE CIR, NAPLES, FL 34119-9696
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Feb 5, 2021	Special Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2021 · Amount on Record
Deed Sale	Feb 5, 2021 · Amount on Record
Deed Document Number	20215997436
Deed Book / Page	5888 / 1079
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	10129 FLORENCE CIR, NAPLES, FL 34119-9696
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061550342
Date	Jul 20, 2022
Book Page	6155/342
Instrument	6285702

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49512

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 5, 2021
Property Address	10129 FLORENCE CIR, NAPLES, FL 34119-9696
Document Number	0058881079
Book / Page	5888 / 1079
Map Reference	MB 57 PG 35-39
Instrument Date	Jan 29, 2021
Instrument	5997436
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	WESTMINSTER TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,937.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1140 VIRGINIA DR, FORT WASHINGTON, PA 19034-3204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10129 FLORENCE CIR, NAPLES, FL 34119-9696

Mortgage

Document Number	0058881081
Date	Feb 5, 2021
Instrument	5888/1081

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Collier County assessment roll, as of September 9, 2025

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
2025	$7,508.00 (-3.81%) Homeowner's exemption	$801,538 (-0.95%) Land $276,074 Building $525,464	$801,538 (-3.44%) Land $276,074 Building $525,464
2023	$7,805.00 (-2.91%) Homeowner's exemption	$809,194 (+3%)	$830,101 (+5.66%) Land $268,197 Building $561,904
2022	$8,039.00 Homeowner's exemption	$785,625 Land $189,050 Building $596,575	$785,625 Land $189,050 Building $596,575

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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 108 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	108 in force

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Hotwire Communications.

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