Collier County property record for 1115 Central Ave, Unit 451, Naples, FL 34102
| Property Type | Condominium |
|---|---|
| Details | 1,970 sqft · built 2022 |
| Owner | 2 Individual Names on File |
| Last Sale | $2,390,000 (Oct 2025) |
| Tax Bill | $10,389 (2025) |
| Deeds & Mortgages | Jul 2023 Second Mortgage Oct 2025 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 044795 4515A03 |
| Primary APN | 044795 4515A03 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,970 sqft Living Area |
|---|
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Condo/Apartment |
| City | NAPLES |
|---|---|
| State | FL |
| Zip | 34102 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | ELEVEN ELEVEN CENTRAL CONDOMINIUM UNIT 451 |
| Legal Subdivision | ELEVEN ELEVEN CENTRAL CONDOMINIUM |
| Legal Block | 1 |
| Legal Lot Number | 451 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 700 |
1115 Central Ave, Unit 451, a condominium, is owned by two individuals who bought it in October 2025.
Source: Collier County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 308 S HANOVER AVE, LEXINGTON, KY 40502-1812 |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Oct 1, 2025 | Warranty Deed, Transfer UNKNOWN, SERENITY TTL GROUP OF SWFL L |
| Oct 28, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2025 · Amount on File |
| Deed Sale | Oct 1, 2025 · Amount on File |
| Prior Sale | Oct 28, 2022 · Amount on File |
| Deed Document Number | 20256736321 |
| Deed Book / Page | 6512 / 3327 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 1115 CENTRAL AVE UNIT 451, 451, NAPLES, FL 34102-6270 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 413 CROATAN HILLS DR, VIRGINIA BEACH, VA 23451-3684 |
| Document Number | 0062680015 |
|---|---|
| Date | Jul 13, 2023 |
| Book Page | 6268/15 |
| Instrument | 6428097 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | WAYNE, PA 19087 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Oct 1, 2025 |
| Property Address | 1115 CENTRAL AVE UNIT 451, 451, NAPLES, FL 34102-6270 |
| Document Number | 0065123327 |
| Book / Page | 6512 / 3327 |
| Map Reference | MB 5762 PG 3322 |
| Instrument Date | Sep 29, 2025 |
| Instrument | 6736321 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2025 |
| Title Company | UNKNOWN, SERENITY TTL GROUP OF SWFL L |
| Amount | Amount on Record |
|---|---|
| Tax | $16,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 413 CROATAN HILLS DR, VIRGINIA BEACH, VA 23451-3684 |
| Name | Verified Name |
|---|---|
| Address | 308 S HANOVER AVE, LEXINGTON, KY 40502-1812 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Oct 28, 2022 |
| Property Address | 1115 CENTRAL AVE UNIT 451, 451, NAPLES, FL 34102-6270 |
| Document Number | 0061860031 |
| Book / Page | 6186 / 31 |
| Map Reference | MB 6136 PG 1189 |
| Instrument Date | Oct 27, 2022 |
| Instrument | 6323666 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,015.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3066 TAMIAMI TRL N # N201, N201, NAPLES, FL 34103-2758 |
| Name | Verified Name |
|---|---|
| Address | 1115 CENTRAL AVE UNIT 451, 451, NAPLES, FL 34102-6270 |
| Document Number | 0000618633 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 6186/33 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.99% |
| Index | Other |
| Max Rate | 9.99% |
The 2025 property tax bill for 1115 Central Ave, Unit 451 was $10,389, up 2.2% from the year before.
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Municipality | Naples City |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,634,700 (+37.77%) Building $1,634,700 | $1,634,700 (-12.17%) Building $1,634,700 | |
| 2025 | $10,389.00 (+2.22%) Homeowner's exemption | $1,186,524 (+2.9%) | $1,861,250 (-) Building $1,861,250 |
| 2024 | $10,163.00 (+1.59%) Homeowner's exemption | $1,153,085 (+3%) | $1,861,250 (+66.26%) Building $1,861,250 |
| 2023 | $10,004.00 (+624.4%) Homeowner's exemption | $1,119,500 (+694.69%) Building $1,119,500 | $1,119,500 (+694.69%) Building $1,119,500 |
| 2022 | $1,381.00 | $140,873 Land $140,873 | $140,873 Land $140,873 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1115 Central Ave, Unit 451 in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File median of 137 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 871 units insured incl. 734 condo units |
| Nearby Flood Claims | 113 (1979–2025) |
| Claims Outside the SFHA | 1 of 113 |
| Most Recent Claim | Dec 2025 · rainfall accumulation |
| Claims by Event |
|
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.
The area around 1115 Central Ave, Unit 451 has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
May also be available: CenturyLink, Hotwire Communications, Summit Broadband, T-Mobile, Verizon.
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