14896 Sterling Oaks Dr, Naples, FL 34110 Property Records

Collier County property record for 14896 Sterling Oaks Dr, Naples, FL 34110

Property Summary

Property Type	Single Family Home
Details	1,224 sqft · built 1995
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$472,000 (Jul 2025)
Tax Bill	$2,968 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`641800 C 1043A09`

Property Details

APN / Parcel Number

Primary APN	`641800 C 1043A09`
Alternative APNs	`74900003463143460C1043` `74900003463`

Interior

Stories	1 Story
Building Area	1,224 sqft Living Area
1st Floor Area	1,224 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Masonry / Concrete Block
Lot Area	4,356 sqft (0.1 acres)
Deck Area	125 sqft

Location & Zoning

Street Address	14896 STERLING OAKS DR
City	NAPLES
State	FL
Zip	34110-4101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	STERLING OAKS TRACT C LOT 104
Legal Range	25
Legal Township	48
Legal Section	9
Legal Subdivision	STERLING OAKS
Legal Tract	C
Legal Block	1
Legal Lot Number	104
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1003
Census Tract	10112

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	1731 ROUTE 9, OCEAN VIEW, NJ 08230-1382
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jun 3, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 5, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on Record
Deed Sale	Jul 1, 2025 · Amount on Record
Prior Sale	Jun 3, 2021 · Amount on Record
Deed Document Number	20256700775
Deed Book / Page	6484 / 1016
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	14896 STERLING OAKS DR, NAPLES, FL 34110-4101
Transaction Type	Mortgage
Record Updated	May 31, 2022
Title Company	ACTION TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14896 SERLING OAKS DR, NAPLES, FL 34110-4101

Mortgage

Document Number	0061281737
Date	May 17, 2022
Book Page	6128/1737
Instrument	6254071

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 3, 2021
Property Address	14896 STERLING OAKS DR, NAPLES, FL 34110-4101
Document Number	0059580191
Book / Page	5958 / 191
Map Reference	MB 23 PG 5-20
Instrument Date	May 28, 2021
Instrument	6070650
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	LYONS TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3949 155TH AVE NW, 3949, ANDOVER, MN 55304-2960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14896 STERLING OAKS DR, NAPLES, FL 34110-4101

Mortgage

Document Number	5958193
Date	Jun 3, 2021
Instrument	5958/193

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 5, 2017
Property Address	14896 STERLING OAKS DR, NAPLES, FL 34110-4101
Document Number	0053793045
Book / Page	005379 / 003045
Instrument Date	Apr 3, 2017
Instrument	5387786
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,890.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3949 155TH AVE NW ANDOVER MN 553042960, ANDOVER, MN 55304-2960

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		$370,127 (+14.25%) Land $184,106 Building $186,021	$370,127 (+7.91%) Land $184,106 Building $186,021
2025	$2,968.00 (+3.6%) Homeowner's exemption	$323,965 (+5.99%)	$342,993 (+5.54%) Land $231,244 Building $111,749
2023	$2,865.00 (-2.02%) Homeowner's exemption	$305,665 (+3%)	$325,000 (+9.52%) Land $186,774 Building $138,226
2022	$2,924.00 Homeowner's exemption	$296,762 Land $149,419 Building $147,343	$296,762 Land $149,419 Building $147,343

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 118 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	318 units insured incl. 200 condo units
Nearby Flood Claims	3 (2015–2017)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 260 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: Blue Stream, Summit Broadband.

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