Collier County property record for 231 3rd St SW, Naples, FL 34117
| Property Type | Single Family Home |
|---|---|
| Details | 1,399 sqft · built 1992 |
| Lot Size | 1.13 acres (49,658 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,123 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Mar 2017 Loan Modification |
| Flood Zone | Zone AH (high risk) |
| APN | 328900 83 4C09 |
| Primary APN | 328900 83 4C09 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,399 sqft Living Area |
| Gross Area | 1,799 sqft |
| 1st Floor Area | 1,399 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Wood |
| Lot Area | 49,658 sqft |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 1,762 sqft |
| Street Address | 231 3RD ST SW |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34117-2195 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | E |
| Legal Description | GOLDEN GATE EST UNIT 12 N 75FT OF S 150FT OF TR 83 |
| Legal Range | 27 |
| Legal Township | 49 |
| Legal Section | 9 |
| Legal Subdivision | GOLDEN GATE EST UNIT 12 |
| Legal Tract | 83 |
| Legal Block | 2 |
| Legal Unit | 12 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10426 |
231 3rd St SW is owned and occupied by two individuals who acquired it in January 1998.
Source: Collier County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 231 3RD ST SW, NAPLES, FL 34117-2195 |
| 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.
| Date | Document |
|---|---|
| Feb 9, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 3, 2017 | Loan Modification, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 26, 1998 |
| Transfer Doc | 2386003409 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 231 3RD ST SW, NAPLES, FL 34117-2195 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 231 3RD ST SW, NAPLES, FL 34117-2195 |
| Document Number | 0060821380 |
|---|---|
| Date | Feb 9, 2022 |
| Book Page | 6082/1380 |
| Instrument | 6202622 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 31, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 231 3RD ST SW, NAPLES, FL 34117-2195 |
| Document Number | 0053712877 |
| Instrument Date | Mar 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Name | Verified Name |
|---|---|
| Address | 231 3RD ST SW NAPLES FL 341172195, NAPLES, FL 34117-2195 |
| Document Number | 0053712877 |
|---|---|
| Date | Mar 14, 2017 |
| Book Page | 005371/002877 |
| Instrument | 5377973 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | BROOMFIELD, CO 80021 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 13, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 231 3rd St SW was $1,123 with a homeowner's exemption.
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $125,677 (+2.7%) | $293,997 (+18.98%) Land $93,486 Building $200,511 | |
| 2025 | $1,123.00 Homeowner's exemption | $122,373 | $247,100 Land $60,705 Building $186,395 |
| 2023 | $1,031.00 (+0.78%) Homeowner's exemption | $115,460 (+3%) | $275,571 (-0.24%) Land $78,660 Building $196,911 |
| 2022 | $1,023.00 Homeowner's exemption | $112,097 | $276,235 Land $87,381 Building $188,854 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 231 3rd St 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 242 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 242 in force |
| Nearby Flood Claims | 8 (2017–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 231 3rd St SW is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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