1997 45th St SW, Naples, FL 34116 Property Records

Collier County property record for 1997 45th St SW, Naples, FL 34116

Property Summary

Property Type	Single Family Home
Details	1,282 sqft · built 1972
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (May 2024)
Tax Bill	$4,921 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`321400 26 224B22`

Property Details

APN / Parcel Number

Primary APN	`321400 26 224B22`
Alternative APNs	`3574996000706890026224` `35749960007`

Interior

Stories	1 Story
Building Area	1,282 sqft Living Area
1st Floor Area	1,282 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2000
Construction Type	Masonry / Concrete Block
Lot Area	10,454 sqft (0.24 acres)

Exterior Amenities

Pool Area	308 sqft
Porch	Screened Porch
Porch Area	192 sqft
Deck Area	212 sqft

Location & Zoning

Street Address	1997 45TH ST SW
City	NAPLES
State	FL
Zip	34116-5823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-3
Legal Description	GOLDEN GATE UNIT 2 BLK 26 LOT 22
Legal Range	26
Legal Township	49
Legal Section	22
Legal Subdivision	GOLDEN GATE CITY UNIT 2
Legal Tract	321400
Legal Block	26
Legal Lot Number	22
Legal Unit	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3004
Census Tract	10421

Owner

1997 45th St SW is owned and occupied by an individual who bought it in May 2024.

Source: Collier County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	1997 45TH ST SW, NAPLES, FL 34116-5823
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.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2024	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 13, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2024 · Amount on File
Deed Sale	May 6, 2024 · Amount on File
Prior Sale	Sep 17, 2014 · Amount on File
Deed Document Number	20246542238
Deed Book / Page	6356 / 3275
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 6, 2024
Property Address	1997 45TH ST SW, NAPLES, FL 34116-5823
Document Number	0063563275
Book / Page	6356 / 3275
Map Reference	MB 5 PG 65-77
Instrument Date	Apr 30, 2024
Instrument	6542238
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	NOT AVAILABLE, HOME & LAND TTL OF NAPLES LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19424 OLD SPARTA RD, MILFORD, VA 22514-2345

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1997 45TH ST SW, NAPLES, FL 34116-5823

Mortgage

Document Number	0063563277
Date	May 6, 2024
Instrument	6356/3277

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	1997 45TH ST SW, NAPLES, FL 34116-5823
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053712397
Date	Mar 13, 2017
Book Page	5371/2397
Instrument	5377850

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Feb 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 1997 45th St SW was $4,921 with a homeowner's exemption.

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		$386,019 (-6.44%) Land $197,949 Building $188,070	$386,019 (-6.44%) Land $197,949 Building $188,070
2025	$4,921.00	$412,569 Land $135,954 Building $276,615	$412,569 Land $135,954 Building $276,615
2023	$1,535.00 (-0.2%) Homeowner's exemption	$156,196 (+3%)	$391,493 (+13.9%) Land $219,618 Building $171,875
2022	$1,538.00 Homeowner's exemption	$151,647	$343,714 Land $167,459 Building $176,255

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1997 45th St SW in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
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 57 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	57 in force

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

Wildfire risk around 1997 45th St SW is low, with less than a 0.01% annual chance of 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 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink 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.

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