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2176 45th Ter SW, Naples, FL 34116 Property Records

Collier County property record for 2176 45th Ter SW, Naples, FL 34116

Property Summary

Property TypeSingle Family Home
Details1,196 sqft · built 1971
Lot Size0.23 acres (10,019 sqft)
Owner2 Individual Names on Record
Last Sale$290,000 (Jun 2020)
Tax Bill$3,039 (2025)
Deeds & MortgagesJun 2020 Sale & Mortgage
Flood ZoneZone AH (high risk)
APN321400 18 54B22

Property Details

APN / Parcel Number

Primary APN321400 18 54B22
Alternative APNs
  • 357420400050689001854
  • 35742040005

Interior

Stories1 Story
Building Area1,196 sqft Living Area
1st Floor Area1,196 sqft

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 2010
Construction TypeMasonry / Concrete Block
Lot Area10,019 sqft (0.23 acres)
Deck Area275 sqft

Location & Zoning

Street Address2176 45TH TER SW
CityNAPLES
StateFL
Zip34116-6330
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-3
Legal DescriptionGOLDEN GATE UNIT 2 BLK 18 LOT 5
Legal Range26
Legal Township49
Legal Section22
Legal SubdivisionGOLDEN GATE CITY UNIT 2
Legal Tract321400
Legal Block18
Legal Lot Number5
Legal Unit2
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group3
Census Block3005
Census Tract10421

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address2176 45TH TER SW, NAPLES, FL 34116-6330
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 24, 2020 · Amount on Record
Deed SaleJun 24, 2020 · Amount on Record
Prior SaleJun 2, 2016 · Amount on Record
Deed Document Number20205884467
Deed Book / Page5779 / 380
Prior Transfer DateSep 12, 2014
Prior Transfer Doc0050810441
Record UpdatedOct 29, 2026

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateJun 24, 2020
Property Address2176 45TH TER SW, NAPLES, FL 34116-6330
Document Number0057790380
Book / Page5779 / 380
Map ReferenceMB 5 PG 65-77
Instrument DateJun 22, 2020
Instrument5884467
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyOMEGA NATIONAL TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,030.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2670 39TH ST SW, 2670, NAPLES, FL 34117-7163

Transferred To (Grantee/Buyer)

NameVerified Name
Address2176 45TH TER SW, NAPLES, FL 34116-6330

Mortgage

Document Number0005779382
DateJun 24, 2020
Instrument5779/382
Lender
NameENVOY MORTGAGE LTD
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$294,719 (+2.7%)$360,995 (+18.95%) Land $193,570 Building $167,425
2025$3,039.00 (+6.71%) Homeowner's exemption$286,971 (+5.99%)$303,491 (-19.28%) Land $130,000 Building $173,491
2024$2,848.00 (+1.46%)
2023$2,807.00 (-1.37%) Homeowner's exemption$270,760 (+3%)$375,957 (+13.91%) Land $210,000 Building $165,957
2022$2,846.00 Homeowner's exemption$262,874$330,049 Land $160,125 Building $169,924

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 AH
high risk · shallow ponding 1–3 ft
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 57 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies57 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

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCOLLIER COUNTY REGIONAL WTP
serves 216,993 people · EPA ID FL5114069
Water SourceGroundwater
Last State InspectionJul 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 Reporting9
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

ProviderMax 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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