2188 54th Ter SW, Naples, FL 34116 Property Records

Collier County property record for 2188 54th Ter SW, Naples, FL 34116

Property Summary

Property Type	Single Family Home
Details	1,425 sqft · built 1989
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$111,519 (May 2024)
Tax Bill	$4,690 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2018 Mortgage
Flood Zone	Zone AH (high risk)
APN	`36372840001`

Property Details

APN / Parcel Number

Primary APN	`36372840001`
Alternative APNs	`36372840001069900183234` `324400 183 234B21`

Interior

Stories	1 Story
Building Area	1,425 sqft Living Area
1st Floor Area	1,425 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	11,761 sqft (0.27 acres)

Location & Zoning

Street Address	2188 54TH TER SW
City	NAPLES
State	FL
Zip	34116-6844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-3
Legal Description	GOLDEN GATE UNIT 6 PART 1 BLK 183 LOT 23 OR 1388 PG 1340
Legal Range	26
Legal Township	49
Legal Section	21
Legal Subdivision	GOLDEN GATE CITY UNIT 6 PT 1
Legal Tract	324400
Legal Block	183
Legal Lot Number	23
Legal Unit	6
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2013
Census Tract	10419

Owner

2188 54th Ter SW is owned and occupied by two individuals who bought it in May 2024.

Source: Collier County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2188 54TH TER SW, NAPLES, FL 34116-6844
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
Aug 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 27, 2018	Deed of Trust, Mortgage · FHA Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2024 · Amount on File
Deed Sale	May 28, 2024 · Amount on File
Prior Sale	Jul 1, 2015 · Amount on File
Deed Document Number	20246551024
Deed Book / Page	6363 / 2538
Prior Transfer Date	May 18, 2024
Prior Transfer Doc	0063632538
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2188 54TH TER SW, NAPLES, FL 34116-6844
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2188 54TH TER SW, NAPLES, FL 34116-6844

Mortgage

Document Number	0061632487
Date	Aug 15, 2022
Book Page	6163/2487
Instrument	6296297

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2042

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2188 54TH TER SW, NAPLES, FL 34116-6844
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055372559
Date	Jul 27, 2018
Book Page	5537/2559
Instrument	5592430

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 2188 54th Ter SW was $4,690 with a homeowner's exemption, up 295.4% 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		$255,647 (-34.81%)	$386,992 (-1.31%) Land $201,117 Building $185,875
2025	$4,690.00 (+295.45%)	$392,136 Land $152,477 Building $239,659	$392,136 Land $152,477 Building $239,659
2024	$1,186.00 (+2.51%)
2023	$1,157.00 (+0.7%) Homeowner's exemption	$122,180 (+3%)	$383,735 (+10.49%) Land $234,580 Building $149,155
2022	$1,149.00 Homeowner's exemption	$118,621	$347,313 Land $193,969 Building $153,344

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

Flood

FEMA maps place 2188 54th Ter SW in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	11 (2016–2024)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 2 claims Hurricane Irma, Sep 2017 · 4 claims

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 2188 54th 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 452 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 54th Ter SW

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures