2396 Spruce St, Naples, FL 34112 Property Records

Collier County property record for 2396 Spruce St, Naples, FL 34112

Property Summary

Property Type	Single Family Home
Details	1,008 sqft · built 1947
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Sep 2023)
Tax Bill	$2,930 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`422800 J 2.15A11`

Property Details

APN / Parcel Number

Primary APN	`422800 J 2.15A11`
Alternative APNs	`51693560003098100J215` `51693560003`

Interior

Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Wood
Lot Area	7,405 sqft (0.17 acres)

Location & Zoning

Street Address	2396 SPRUCE ST
City	NAPLES
State	FL
Zip	34112-4673
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF-6
Legal Description	INOMAH BLK J LOT 2 S 50FT
Legal Range	25
Legal Township	50
Legal Section	11
Legal Subdivision	INOMAH
Legal Tract	422800
Legal Block	J
Legal Lot Number	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2001
Census Tract	10701

Owner

Source: Collier County records, as of September 24, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2396 SPRUCE ST, NAPLES, FL 34112-4673
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2023 · Amount on Record
Deed Sale	Sep 22, 2023 · Amount on Record
Prior Sale	Aug 18, 1998 · Amount on Record
Deed Document Number	20236456218
Deed Book / Page	6290 / 749
Transfer Doc	2568001167
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 22, 2023
Property Address	2396 SPRUCE ST, NAPLES, FL 34112-4673
Document Number	0062900749
Book / Page	6290 / 749
Map Reference	MB 2 PG 82
Instrument Date	Sep 20, 2023
Instrument	6456218
Transaction Type	Transfer
Record Updated	Oct 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5030 25TH ST E, BRADENTON, FL 34203-3838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2396 SPRUCE ST, NAPLES, FL 34112-4673

Mortgage

Document Number	0006290751
Date	Sep 22, 2023
Instrument	6290/751

Lender

Name	LINDA M BELSKY LIVING TRUST
Type	Private Party

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	26 Months
Due	Oct 31, 2025

Tax Assessment & Valuation

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		$202,024 (-20.45%) Land $156,000 Building $46,024	$202,024 (-20.45%) Land $156,000 Building $46,024
2025	$2,930.00 (+24.57%)	$253,972 (+67.42%) Land $210,000 Building $43,972	$253,972 (-8.38%) Land $210,000 Building $43,972
2023	$2,352.00 (+23.46%)	$151,693 (+1%)	$277,216 (+58.86%) Land $235,500 Building $41,716
2022	$1,905.00	$137,903	$174,505 Land $132,300 Building $42,205

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 134 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	392 units insured incl. 258 condo units
Nearby Flood Claims	162 (1980–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 46 claims Hurricane Ian, Sep 2022 · 44 claims Hurricane Irma, Sep 2017 · 23 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

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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Hotwire Communications, Summit Broadband, Verizon.