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185 4th St S, Naples, FL 34102 Property Records

Collier County property record for 185 4th St S, Naples, FL 34102

Property Summary

Property TypeCondominium
Details1,202 sqft · built 1985
Lot Size0.01 acres (436 sqft)
OwnerCompany Name on Record
Last Sale$1,025,000 (Aug 2026)
Tax Bill$7,524 (2025)
Deeds & MortgagesAug 2026 Sale
Oct 2023 Sale & Mortgage
+ 3 more
Flood ZoneZone X (moderate risk)
APN138400 25A04

Property Details

APN / Parcel Number

Primary APN138400 25A04
Alternative APN
  • 19560080001

Interior

Building Area1,202 sqft Living Area
1st Floor Area1,202 sqft

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleCondo/Apartment
Lot Area436 sqft (0.01 acres)

Location & Zoning

Street Address185 4TH ST S
CityNAPLES
StateFL
Zip34102-5949
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeNAPLES
Legal DescriptionSOMERDALE SUB (HO) LOT 2 & 1/3 INT IN LOT 4 (COMMON AREA)
Legal Range25
Legal Township50
Legal Section4
Legal SubdivisionSOMERDALE
Legal Tract138400
Legal Block2
Legal Lot Number2
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group2
Census Block2013
Census Tract102

Owner

Source: Collier County records, as of August 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address1415 PANTHER LN, 432, NAPLES, FL 34109-7874
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Oct 2, 2023Warranty Deed, Transfer · Conventional Mortgage
THIRD FSLA OF CLEVELAND
May 23, 2018Deed of Trust, Mortgage · Conventional Mortgage
SUMMIT MORTGAGE CORP
Feb 11, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
May 21, 2019Warranty Deed, Transfer · Conventional Mortgage
SOUTH CENTRAL BANK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 18, 2026 · Amount on Record
Deed SaleAug 18, 2026 · Amount on Record
Prior SaleOct 2, 2023 · Amount on Record
Deed Document Number20266864180
Deed Book / Page6621 / 152
Prior Transfer DateJul 9, 2015
Prior Transfer Doc0051751052
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateAug 18, 2026
Property Address185 4TH ST S, NAPLES, FL 34102-5949
Document Number0006864180
Book / Page6621 / 152
Instrument DateAug 14, 2026
Instrument20266864180
Transaction TypeTransfer
Record UpdatedAug 28, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$724,675.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateOct 2, 2023
Property Address185 4TH ST S, NAPLES, FL 34102-5949
Document Number0062921576
Book / Page6292 / 1576
Map ReferenceMB 14 PG 26
Instrument DateSep 19, 2023
Instrument6459099
Transaction TypeTransfer
Record UpdatedOct 16, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$7,700.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address76 BEDFORD ST STE 38, 38, LEXINGTON, MA 02420-4641

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address185 4TH ST S # 2, 2, NAPLES, FL 34102-5949

Mortgage

Document Number0062921578
DateOct 2, 2023
Instrument6292/1578
Lender
NameTHIRD FSLA OF CLEVELAND
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2053
Interest
Rate TypeAdjustable Rate
Rate6.69%
Type Change DateOct 1, 2028
Change FrequencyAnnually
Min Rate At Change4.69%
Max Rate At Change8.69%
IndexPrime Rate
Max Rate12.6%

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLLIER FL
Property Address185 4TH ST S, NAPLES, FL 34102-5949
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055130390
DateMay 23, 2018
Book Page5513/0390
Instrument5560566
Lender
NameSUMMIT MORTGAGE CORP
TypeMortgage Company
AddressMINNEAPOLIS, MN 55441
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2048

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateFeb 11, 2021
Property Address185 4TH ST S, NAPLES, FL 34102-5949
Document Number0058910181
Book / Page5891 / 181
Map ReferenceMB 14 PG 26
Instrument DateJan 25, 2021
Instrument6000351
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address175 4TH ST S, 175, NAPLES, FL 34102-5949

Transferred To (Grantee/Buyer)

NameVerified Name
Address76 BEDFORD ST STE 38, 38, LEXINGTON, MA 02420-4641

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateMay 21, 2019
Property Address185 4TH ST S, NAPLES, FL 34102-5949
Document Number0056321678
Book / Page5632 / 1678
Map ReferenceMB 14 PG 26
Instrument DateMay 17, 2019
Instrument5715699
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,480.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6450 VICKERY CREEK RD, 6450, CUMMING, GA 30040-6530

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address175 4TH ST S, NAPLES, FL 34102-5949

Mortgage

Document Number0056321680
DateMay 21, 2019
Instrument5632-1680
Lender
NameSOUTH CENTRAL BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyCollier County
MunicipalityNaples City
Unified School DistrictCollier County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$855,390 (+2.89%) Building $855,390$855,390 (+2.89%) Building $855,390
2025$7,524.00 (-0.71%)$831,350 (+27.03%) Building $831,350$831,350 (+8.07%) Building $831,350
2024$7,578.00 (+15.73%)
2023$6,548.00 (+2.23%)$654,465 (+1%)$769,250 (+6.4%) Building $769,250
2022$6,405.00$594,968$722,964 Building $722,964

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 253 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies805 units insured
incl. 552 condo units
Nearby Flood Claims127 (1982–2024)
Claims Outside the SFHA14 of 127
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Ian, Sep 2022 · 54 claims
  • Hurricane Ian, Sep 2022 · 36 claims
  • Hurricane Irma, Oct 2017 · 11 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 RiskNot 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 SystemNAPLES WATER DEPT
serves 83,804 people · EPA ID FL5110198
Water SourceGroundwater
Last State InspectionJun 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting13
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 209 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

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