2157 45th Ter SW, Naples, FL 34116 Property Records

Collier County property record for 2157 45th Ter SW, Naples, FL 34116

Property Summary

Property Type	Single Family Home
Details	1,186 sqft · built 1972
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$326,000 (Dec 2020)
Tax Bill	$2,768 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`321400 19 164B22`

Property Details

APN / Parcel Number

Primary APN	`321400 19 164B22`
Alternative APNs	`3574328000006890019164` `35743280000`

Interior

Stories	1 Story
Building Area	1,186 sqft Living Area
1st Floor Area	1,186 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Masonry / Concrete Block
Lot Area	10,019 sqft (0.23 acres)
Deck Area	204 sqft

Location & Zoning

Street Address	2157 45TH TER SW
City	NAPLES
State	FL
Zip	34116-6329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-3
Legal Description	GOLDEN GATE UNIT 2 BLK 19 LOT 16
Legal Range	26
Legal Township	49
Legal Section	22
Legal Subdivision	GOLDEN GATE CITY UNIT 2
Legal Tract	321400
Legal Block	19
Legal Lot Number	16
Legal Unit	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3006
Census Tract	10421

Owner

2157 45th Ter SW is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2157 45TH TER SW, NAPLES, FL 34116-6329
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on File
Deed Sale	Dec 22, 2020 · Amount on File
Prior Sale	Jul 15, 2002
Deed Document Number	20205974423
Deed Book / Page	5865 / 2025
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 22, 2020
Property Address	2157 45TH TER SW, NAPLES, FL 34116-6329
Document Number	0058652025
Book / Page	5865 / 2025
Map Reference	MB 5 PG 65-77
Instrument Date	Dec 21, 2020
Instrument	5974423
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	COTTRELL T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,282.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27401 TORTOISE TRL, 27401, BONITA SPRINGS, FL 34135-5881

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2157 45TH TER SW, NAPLES, FL 34116-6329

Mortgage

Document Number	0058652027
Date	Dec 22, 2020
Instrument	5865/2027

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2157 45th Ter SW was $2,768 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		$270,061 (+2.7%)	$324,016 (+23.22%) Land $194,448 Building $129,568
2025	$2,768.00 Homeowner's exemption	$262,961 Land $131,118 Building $131,843	$262,961 Land $131,118 Building $131,843
2023	$2,566.00 (-1.27%) Homeowner's exemption	$249,091 (+3%)	$291,211 (+20.42%) Land $211,806 Building $79,405
2022	$2,599.00 Homeowner's exemption	$241,836 Land $161,503 Building $80,333	$241,836 Land $161,503 Building $80,333

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2157 45th 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

Wildfire risk around 2157 45th Ter 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 424 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: Tillman Fiber.

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