1085 4th St S, Naples, FL 34102 Property Records

Collier County property record for 1085 4th St S, Naples, FL 34102

Property Summary

Property Type	Condominium
Details	2,971 sqft · built 2011
Owner	2 Individual Names on Record
Last Sale	$2,475,000 (Jun 2021)
Tax Bill	$23,385 (2025)
Deeds & Mortgages	Jun 2021 Sale Jun 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`103720 45A09`

Property Details

APN / Parcel Number

Primary APN	`103720 45A09`
Alternative APN	`14719000086`

Interior

Building Area	2,971 sqft Living Area
1st Floor Area	2,971 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	1085 4TH ST S
City	NAPLES
State	FL
Zip	34102-7015
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OLD ROYAL POINCIANA COTTAGE A CONDOMINIUM UNIT 4
Legal Range	25
Legal Township	50
Legal Section	9
Legal Subdivision	OLD ROYAL POINCIANA COTTAGE A CONDOMINIU
Legal Tract	103720
Legal Block	1
Legal Lot Number	4
Legal Unit	4
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1047
Census Tract	101

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	1085 4TH ST S, NAPLES, FL 34102-7015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Jun 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
May 2, 2017	Warranty Deed, Transfer · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on Record
Deed Sale	Jun 28, 2021 · Amount on Record
Prior Sale	May 2, 2017 · Amount on Record
Deed Document Number	20216086075
Deed Book / Page	5972 / 1819
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 28, 2021
Property Address	1085 4TH ST S, NAPLES, FL 34102-7015
Document Number	0059721819
Book / Page	5972 / 1819
Map Reference	MB 4840 PG 2586
Instrument Date	Jun 25, 2021
Instrument	6086075
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$17,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	383 GREENWOOD ST, 383, BIRMINGHAM, MI 48009-3812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5920 SNOWSHOE CIR, BLOOMFIELD HILLS, MI 48301-1951

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	1085 4TH ST S, NAPLES, FL 34102-7015
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	383 GREENWOOD ST, BIRMINGHAM, MI 48009-3812

Mortgage

Document Number	0059632600
Date	Jun 12, 2021
Book Page	5963/2600
Instrument	6076657

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 2, 2017
Property Address	1085 4TH ST S, NAPLES, FL 34102-7015
Document Number	0053891655
Book / Page	5389 / 1655
Map Reference	MB4840 PG2586
Instrument Date	Apr 28, 2017
Instrument	5399434
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1035 3RD AVE S # S517, 1035, NAPLES, FL 34102-6428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	383 GREENWOOD ST, BIRMINGHAM, MI 48009-3812

Mortgage

Document Number	0053891657
Date	May 2, 2017
Book Page	5389/1657
Instrument	5399435

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Municipality	Naples City
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,509,365 (-2.87%) Building $2,509,365	$2,509,365 (-2.87%) Building $2,509,365
2025	$23,385.00 (+2.7%)	$2,583,640 (+4.99%) Building $2,583,640	$2,583,640 (+4.99%) Building $2,583,640
2023	$22,771.00 (+1.35%)	$2,460,800 (+7.41%) Building $2,460,800	$2,460,800 (+7.41%) Building $2,460,800
2022	$22,467.00	$2,291,082 Building $2,291,082	$2,291,082 Building $2,291,082

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 415 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,189 units insured incl. 774 condo units
Nearby Flood Claims	482 (1985–2024)
Claims Outside the SFHA	5 of 482
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 57 claims Hurricane Ian, Nov 2022 · 166 claims Hurricane Ian, Oct 2022 · 139 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 303 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: CenturyLink, Summit Broadband.

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