231 16th St NE, Naples, FL 34120 Property Records

Collier County property record for 231 16th St NE, Naples, FL 34120

Property Summary

Property Type	Single Family Home
Details	2,272 sqft · built 2002
Lot Size	2.33 acres (101,930 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Aug 2017)
Tax Bill	$3,139 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`342100 140 14C02`

Property Details

APN / Parcel Number

Primary APN	`342100 140 14C02`
Alternative APN	`39273040004`

Interior

Stories	1 Story
Building Area	2,272 sqft Living Area
1st Floor Area	2,272 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Masonry / Concrete Block
Lot Area	101,930 sqft
Deck Area	364 sqft

Location & Zoning

Street Address	231 16TH ST NE
City	NAPLES
State	FL
Zip	34120-3648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 49 N 150FT OF TR 140
Legal Range	27
Legal Township	49
Legal Section	2
Legal Subdivision	GOLDEN GATE EST UNIT 49
Legal Tract	140
Legal Block	2
Legal Lot Number	1
Legal Unit	49
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2013
Census Tract	10424

Owner

231 16th St NE is owned and occupied by two individuals who bought it in August 2017.

Source: Collier County records, as of August 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	231 16TH ST NE, NAPLES, FL 34120-3648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Aug 10, 2017	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jan 9, 2017	Loan Modification, Mortgage · Line of Credit IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2017 · Amount on File
Deed Sale	Aug 10, 2017 · Amount on File
Prior Sale	Dec 28, 2012 · Amount on File
Deed Document Number	20175439415
Deed Book / Page	5424 / 757
Prior Transfer Date	Aug 22, 2006
Prior Transfer Doc	0040980603
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	231 16TH ST NE, NAPLES, FL 34120-3648
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 16TH ST NE, NAPLES, FL 34120-3648

Mortgage

Document Number	0060353448
Date	Nov 2, 2021
Book Page	6035/3448
Instrument	6152966

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 10, 2017
Property Address	231 16TH ST NE, NAPLES, FL 34120-3648
Document Number	0054240757
Book / Page	005424 / 000757
Instrument Date	Jul 27, 2017
Instrument	5439415
Transaction Type	Transfer
Record Updated	Sep 11, 2017
Title Company	NAVY FEDERAL TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	231 16TH ST NE NAPLES FL 341203648, NAPLES, FL 34120-3648

Mortgage

Document Number	54240759
Date	Aug 10, 2017
Book Page	005424/000759
Instrument	5439416

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2047

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	231 16TH ST NE, NAPLES, FL 34120-3648
Document Number	0053561740
Instrument Date	Jan 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	231 16TH ST NE NAPLES FL 341203648, NAPLES, FL 34120-3648

Mortgage

Document Number	0053561740
Date	Jan 25, 2017
Book Page	005356/001740
Instrument	5360076

Lender

Name	IBERIABANK
Type	Bank
Address	NAPLES, FL 34103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 24, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 231 16th St NE was $3,139 with a homeowner's exemption, up 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		$322,689 (+2.7%)	$405,373 (-21.09%) Land $119,340 Building $286,033
2025	$3,139.00 (+6.99%) Homeowner's exemption	$314,205	$513,703 Land $119,340 Building $394,363
2024	$2,934.00 (+1.28%)
2023	$2,897.00 (-1.76%) Homeowner's exemption	$296,456 (+3%)	$473,470 (+12.55%) Land $154,440 Building $319,030
2022	$2,949.00 Homeowner's exemption	$287,821	$420,687 Land $116,093 Building $304,594

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

Flood

FEMA maps place 231 16th St NE 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 308 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	308 in force
Nearby Flood Claims	6 (2017–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 5 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

Wildfire risk around 231 16th St NE is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Streamline Internet, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 16th St NE

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