2129 46th Ter SW, Naples, FL 34116 Property Records

Collier County property record for 2129 46th Ter SW, Naples, FL 34116

Property Summary

Property Type	Duplex
Details	1,525 sqft · built 1988
Lot Size	0.23 acres (10,019 sqft)
Owner	Company Name on File
Last Sale	$499,900 (Nov 2025)
Tax Bill	$3,290 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Feb 2023 Transfer
Flood Zone	Zone X (moderate risk)
APN	`321400 21 204B22`

Property Details

APN / Parcel Number

Primary APN	`321400 21 204B22`
Alternative APNs	`3574556000306890021204` `35745560003`

Interior

Stories	1 Story
Building Area	1,525 sqft Living Area
Gross Area	1,733 sqft
1st Floor Area	1,525 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Duplex Single
Construction Type	Masonry / Concrete Block
Lot Area	10,019 sqft (0.23 acres)
Porch	Screened Porch
Porch Area	312 sqft

Location & Zoning

Street Address	2129 46TH TER SW
City	NAPLES
State	FL
Zip	34116-6324
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RMF-6
Legal Description	GOLDEN GATE UNIT 2 BLK 21 LOT 20 OR 1396 PG 2054
Legal Range	26
Legal Township	49
Legal Section	22
Legal Subdivision	GOLDEN GATE CITY UNIT 2
Legal Tract	321400
Legal Block	21
Legal Lot Number	20
Legal Unit	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3008
Census Tract	10421

Owner

2129 46th Ter SW, a duplex, is owned by a company that bought it in November 2025.

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

Owner of Record	Company Name on File
Mailing Address	4540 BEECHWOOD LAKE DR, NAPLES, FL 34112-5244
Owner Type	Company
Vesting	Limited Liability Partnership

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
Nov 6, 2025	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Feb 6, 2023	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2025 · Amount on File
Deed Sale	Nov 6, 2025 · Amount on File
Prior Sale	Jan 6, 2012 · Amount on File
Deed Document Number	20256749549
Deed Book / Page	6523 / 3959
Prior Transfer Date	Dec 2, 2022
Prior Transfer Doc	0062123803
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Nov 6, 2025
Property Address	2129 46TH TER SW, NAPLES, FL 34116-6324
Document Number	0065233959
Book / Page	6523 / 3959
Map Reference	MB 5 PG 65-77
Instrument Date	Nov 4, 2025
Instrument	6749549
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ARIES TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,499.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	585 CAPE CORAL FLORIDA LANE, NAPLES, FL 34104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 BEECHWOOD LAKE DR, NAPLES, FL 34112-5244

Mortgage

Document Number	0065233961
Date	Nov 6, 2025
Instrument	6523/3961

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Feb 6, 2023
Property Address	2129 46TH TER SW, NAPLES, FL 34116-6324
Document Number	0062123803
Book / Page	6212 / 3803
Map Reference	MB 5 PG 63-77
Instrument Date	Dec 2, 2022
Instrument	6359661
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	585 CAPE FLORIDA LN, NAPLES, FL 34104-4146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 CAPE FLORIDA LN, NAPLES, FL 34104-4146

Tax Assessment & Valuation

The 2025 property tax bill for 2129 46th Ter SW was $3,290, down 12.7% from the year before.

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		$337,952 (+37.97%) Land $193,570 Building $144,382	$337,952 (+37.97%) Land $193,570 Building $144,382
2025	$3,290.00 (-12.73%)	$244,941 (-13.31%) Land $130,000 Building $114,941	$244,941 (-25.06%) Land $130,000 Building $114,941
2024	$3,770.00 (+1.34%)	$282,560 (+1%)	$326,848 (-4.75%) Land $210,000 Building $116,848
2023	$3,720.00 (+8.8%)	$256,873 (+1%)	$343,163 (+22.23%) Land $210,000 Building $133,163
2022	$3,419.00	$233,521	$280,749 Land $152,500 Building $128,249

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2129 46th Ter 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

The area around 2129 46th Ter SW has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not 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 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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: CenturyLink.

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