Collier County property record for 1781 45th St SW, Naples, FL 34116
| Property Type | Single Family Home |
|---|---|
| Details | 1,960 sqft · built 1986 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (May 2026) |
| Tax Bill | $4,389 (2025) |
| Deeds & Mortgages | May 2023 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 321400 41 204B22 |
| Primary APN | 321400 41 204B22 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,960 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Wood |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Street Address | 1781 45TH ST SW |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34116-5937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-3 |
| Legal Description | GOLDEN GATE UNIT 2 BLK 41 LOT 20 OR 2046 PG 1740 |
| Legal Range | 26 |
| Legal Township | 49 |
| Legal Section | 22 |
| Legal Subdivision | GOLDEN GATE CITY UNIT 2 |
| Legal Tract | 321400 |
| Legal Block | 41 |
| Legal Lot Number | 20 |
| Legal Unit | 2 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10422 |
Source: Collier County records · APN 321400 41 204B22
Assessment roll updated September 9, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 990028, NAPLES, FL 34116-6060 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| May 08, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 06, 2026 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION |
| May 06, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 06, 2026 · Amount on Record |
| Deed Sale | May 06, 2026 · Amount on Record |
| Prior Sale | Mar 25, 2015 · Amount on Record |
| Deed Document Number | 20266820733 |
| Deed Book / Page | 6583 / 3911 |
| Prior Transfer Date | Apr 10, 2026 |
| Prior Transfer Doc | 0006820731 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 1781 45TH ST SW, NAPLES, FL 34116-5937 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1781 45TH ST SW, NAPLES, FL 34116-5937 |
| Investor | Possibly a Property Investor |
| Document Number | 0062442788 |
|---|---|
| Date | May 08, 2023 |
| Book Page | 6244/2788 |
| Instrument | 6399772 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 263 Months |
| Due | Apr 01, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | May 06, 2026 |
| Property Address | 1781 45TH ST SW, NAPLES, FL 34116-5937 |
| Document Number | 0006820733 |
| Book / Page | 6583 / 3911 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 2026.6820733 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318,150.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0006820734, |
|---|---|
| Date | May 06, 2026 |
| Instrument | 2026..6820734 |
| Name | AMERICAN PACIFIC MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | May 06, 2026 |
| Property Address | 1781 45TH ST SW, NAPLES, FL 34116-5937 |
| Document Number | 0006820731 |
| Book / Page | 6583 / 3908 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20266820731 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Collier County records · Assessment roll updated September 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,389.00 (+10.36%) | $345,558 (+21%) | $398,336 (+5.58%) Land $130,000 Building $268,336 |
| 2024 | $3,977.00 (+4.33%) | ||
| 2023 | $3,812.00 (+14.85%) | $285,585 (+18.79%) | $377,286 (+26.28%) Land $210,000 Building $167,286 |
| 2022 | $3,319.00 | $240,416 | $298,766 Land $160,125 Building $138,641 |
Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 63 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 63 in force |
| Nearby Flood Claims | 3 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Hotwire Communications.
Based on FCC filings for 390 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COLLIER COUNTY REGIONAL WTP serves 216,993 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 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 | 9 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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