Collier County property record for 195 West St, Naples, FL 34108
| Property Type | Single Family Home |
|---|---|
| Details | 4,832 sqft · built 2006 |
| Lot Size | 1.01 acres (44,431 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,375,000 (May 2014) |
| Tax Bill | $14,452 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 561100 E 214A10 |
| Primary APN | 561100 E 214A10 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,832 sqft Living Area |
| 1st Floor Area | 3,210 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 44,431 sqft |
| Pool Area | 576 sqft |
|---|---|
| Porch | Aluminum Porch |
| Porch Area | 250 sqft |
| Deck Area | 1,706 sqft |
| Total Buildings | 2 Buildings |
| Street Address | 195 WEST ST |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34108-2907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | PINE RIDGE BLKS E F G H BLK E LOT 21 |
| Legal Range | 25 |
| Legal Township | 49 |
| Legal Section | 10 |
| Legal Subdivision | PINE RIDGE BLKS EFGH |
| Legal Tract | 561100 |
| Legal Block | E |
| Legal Lot Number | 21 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10205 |
195 West St is owned and occupied by two individuals who bought it in May 2014.
Source: Collier County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 WEST ST, NAPLES, FL 34108-2907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 22, 2019 | Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA |
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2014 · Amount on File |
| Deed Sale | May 13, 2014 · Amount on File |
| Prior Sale | Jun 2, 2005 · Amount on File |
| Deed Document Number | 20144981630 |
| Deed Book / Page | 5037 / 409 |
| Prior Transfer Date | Feb 4, 2004 |
| Prior Transfer Doc | 3497001752 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 195 WEST ST, NAPLES, FL 34108-2907 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0056323215 |
|---|---|
| Date | May 22, 2019 |
| Book Page | 5632/3215 |
| Instrument | 5716175 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 195 WEST ST, NAPLES, FL 34108-2907 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 195 WEST ST, NAPLES, FL 34108-2907 |
| Document Number | 0060703195 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 6070/3195 |
| Instrument | 6189632 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Feb 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.37% |
| Index | Other |
| Max Rate | 7.37% |
The 2025 property tax bill for 195 West St was $14,452 with a homeowner's exemption.
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,573,388 (+2.7%) | $4,276,322 (+18.5%) Land $2,037,126 Building $2,239,196 | |
| 2025 | $14,452.00 Homeowner's exemption | $1,532,023 | $3,608,773 Land $2,066,051 Building $1,542,722 |
| 2023 | $14,048.00 (-3.13%) Homeowner's exemption | $1,445,482 (+3%) | $3,463,657 (+66.86%) Land $1,921,649 Building $1,542,008 |
| 2022 | $14,502.00 Homeowner's exemption | $1,403,381 | $2,075,788 Land $1,212,972 Building $862,816 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 West St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File median of 167 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 167 in force |
| Nearby Flood Claims | 23 (1995–2017) |
| Claims Outside the SFHA | 13 of 23 |
| Most Recent Claim | Oct 2017 · Hurricane Irma |
| 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.
Wildfire risk around 195 West St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 3,000 / 3,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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