104 Payne Ct, Naples, FL 34112 Property Records

Collier County property record for 104 Payne Ct, Naples, FL 34112

Property Summary

Property Type	Single Family Home
Details	1,956 sqft · built 1981
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Jun 2015)
Tax Bill	$3,361 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`448300 A 795A12`

Property Details

APN / Parcel Number

Primary APN	`448300 A 795A12`
Alternative APNs	`53953160002102600A795` `53953160002`

Interior

Stories	1 Story
Building Area	1,956 sqft Living Area
1st Floor Area	1,956 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Masonry / Concrete Block
Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	104 PAYNE CT
City	NAPLES
State	FL
Zip	34112-5212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4
Legal Description	LAKEWOOD UNIT 5 BLK A LOT 79
Legal Range	25
Legal Township	50
Legal Section	12
Legal Subdivision	LAKEWOOD UNIT 5
Legal Tract	448300
Legal Block	A
Legal Lot Number	79
Legal Unit	5
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1002
Census Tract	10606

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	104 PAYNE CT, NAPLES, FL 34112-5212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage CARRINGTON MORTGAGE SERVICES LLC
Aug 14, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 10, 2021	Deed of Trust, Mortgage · FHA Mortgage GATEWAY FIRST BANK
Aug 25, 2020	Loan Modification, Mortgage · FHA Mortgage GATEWAY MTG
May 3, 2018	Loan Modification, Mortgage · FHA Mortgage GATEWAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2015 · Amount on Record
Deed Sale	Jun 23, 2015 · Amount on Record
Prior Sale	Apr 18, 1994 · Amount on Record
Deed Document Number	20155139156
Deed Book / Page	5166 / 1889
Prior Transfer Date	Oct 19, 2004
Prior Transfer Doc	0003494753
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	104 PAYNE CT, NAPLES, FL 34112-5212
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 PAYNE CT, NAPLES, FL 34112-5212

Mortgage

Document Number	0065280824
Date	Nov 20, 2025
Book Page	6528/824
Instrument	6754694

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Oct 1, 2065

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	104 PAYNE CT, NAPLES, FL 34112-5212
Transaction Type	Mortgage
Record Updated	Aug 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 PAYNE CT, NAPLES, FL 34112-5212

Mortgage

Document Number	0062772022
Date	Aug 14, 2023
Book Page	6277/2022
Instrument	6440059

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Sep 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	104 PAYNE CT, NAPLES, FL 34112-5212
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060543568
Date	Dec 10, 2021
Book Page	6054/3568
Instrument	6172722

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Sep 1, 2050

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	104 PAYNE CT, NAPLES, FL 34112-5212
Document Number	0058212564
Instrument Date	Aug 25, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	104 PAYNE CT NAPLES FL 341125212, NAPLES, FL 34112-5212

Mortgage

Document Number	0058212564
Date	Sep 28, 2020
Book Page	005821/002564
Instrument	5929291

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2050

Interest

Rate	3.37%

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	104 PAYNE CT, NAPLES, FL 34112-5212
Document Number	0055243183
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	104 PAYNE CT NAPLES FL 341125212, NAPLES, FL 34112-5212

Mortgage

Document Number	0055243183
Date	Jun 22, 2018
Book Page	005524/003183
Instrument	5575573

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

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		$341,570 (+2.7%)	$420,857 (-15.67%) Land $250,383 Building $170,474
2025	$3,361.00 (+8.31%) Homeowner's exemption	$332,590 (+5.99%)	$499,034 (-12.42%) Land $388,773 Building $110,261
2023	$3,103.00 (-1.9%) Homeowner's exemption	$313,803 (+3%)	$569,819 (+27.3%) Land $405,108 Building $164,711
2022	$3,163.00 Homeowner's exemption	$304,663	$447,605 Land $274,428 Building $173,177

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	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 183 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	515 units insured incl. 332 condo units
Nearby Flood Claims	13 (1991–2022)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 3 claims Hurricane Wilma, Oct 2005 · 3 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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	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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Blue Stream Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: CenturyLink, T-Mobile.

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