1645 Serrano Cir, Naples, FL 34105 Property Records

Collier County property record for 1645 Serrano Cir, Naples, FL 34105

Property Summary

Property Type	Single Family Home
Details	2,078 sqft · built 2015
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$456,900 (Nov 2018)
Tax Bill	$3,751 (2025)
Deeds & Mortgages	Sep 2020 Transfer Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165300 864B18`

Property Details

APN / Parcel Number

Primary APN	`165300 864B18`
Alternative APN	`22150001966`

Interior

Stories	1 Story
Building Area	2,078 sqft Living Area
1st Floor Area	2,078 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Construction Type	Masonry / Concrete Block
Lot Area	6,098 sqft (0.14 acres)
Pool Area	150 sqft
Deck Area	542 sqft

Location & Zoning

Street Address	1645 SERRANO CIR
City	NAPLES
State	FL
Zip	34105-4948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	ANDALUCIA LOT 86
Legal Range	26
Legal Township	49
Legal Section	18
Legal Subdivision	ANDALUCIA
Legal Tract	165300
Legal Block	2
Legal Lot Number	86
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2008
Census Tract	10438

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	Company Name on Record
Mailing Address	1645 SERRANO CIR, NAPLES, FL 34105-4948
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 7, 2018	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2018 · Amount on Record
Deed Sale	Nov 7, 2018 · Amount on Record
Prior Sale	Aug 17, 2015 · Amount on Record
Deed Document Number	20185634665
Deed Book / Page	5569 / 3948
Last Transfer Date	Sep 28, 2020
Transfer Doc	0058222822
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 29, 2020
Property Address	1645 SERRANO CIR, NAPLES, FL 34105-4948
Document Number	0058222822
Book / Page	005822 / 002822
Instrument Date	Sep 28, 2020
Instrument	5930292
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1645 SERRANO CIR NAPLES FL 341054948, NAPLES, FL 34105-4948

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	1645 SERRANO CIR, NAPLES, FL 34105-4948
Document Number	0057730845
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1645 SERRANO CIR NAPLES FL 341054948, NAPLES, FL 34105-4948

Mortgage

Document Number	0057730845
Date	Jun 10, 2020
Book Page	005773/000845
Instrument	5877967

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Nov 7, 2018
Property Address	1645 SERRANO CIR, NAPLES, FL 34105-4948
Document Number	0055693948
Book / Page	005569 / 003948
Instrument Date	Nov 7, 2018
Instrument	5634665
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	COTTRELL TITLE AND ESCROW, COTTRELL TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,198.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1645 SERRANO CIR NAPLES FL 341054948, NAPLES, FL 34105-4948

Mortgage

Document Number	55693950
Date	Nov 7, 2018
Book Page	005569/003950
Instrument	5634666

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2048

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		$417,275 (+2.7%)	$644,539 (+7.61%) Land $207,346 Building $437,193
2025	$3,751.00 (+2.4%) Homeowner's exemption	$406,305 (+5.99%)	$598,964 (-11.07%) Land $262,231 Building $336,733
2024	$3,663.00 (+0.99%)
2023	$3,627.00 (-2.32%) Homeowner's exemption	$383,353 (+3%)	$673,492 (+8.24%) Land $256,133 Building $417,359
2022	$3,713.00 Homeowner's exemption	$372,187	$622,230 Land $179,293 Building $442,937

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 49 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2022 · rainfall accumulation

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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
CenturyLink Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Blue Stream, Summit Broadband.

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