2685 38th Ave SE, Naples, FL 34117 Property Records

Collier County property record for 2685 38th Ave SE, Naples, FL 34117

Property Summary

Property Type	Residential Vacant Land
Lot Size	1.14 acres (49,658 sqft)
Owner	2 Individual Names on File
Last Sale	$529,900 (Sep 2026)
Tax Bill	$251 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`355300 20 14D31`

Property Details

APN / Parcel Number

Primary APN	`355300 20 14D31`
Alternative APNs	`417113600010794002014` `41711360001`

Exterior

Lot Area	49,658 sqft (1.14 acres)

Location & Zoning

Street Address	2685 38TH AVE SE
City	NAPLES
State	FL
Zip	34117-8888
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 93 W 75FT OF E 180FT OF TR 20
Legal Range	28
Legal Township	49
Legal Section	31
Legal Subdivision	GOLDEN GATE EST UNIT 93
Legal Tract	20
Legal Block	1
Legal Lot Number	1
Legal Unit	93
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1018
Census Tract	10428

Owner

2685 38th Ave SE, residential vacant land, is owned and occupied by two individuals who bought it in September 2026.

Source: Collier County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2685 38TH AVE SE, NAPLES, FL 34117-8888
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2026 · Amount on File
Deed Sale	Sep 23, 2026 · Amount on File
Prior Sale	Jun 13, 2025 · Amount on File
Deed Document Number	20266877598
Deed Book / Page	6631 / 3340
Prior Transfer Date	Jan 6, 1998
Prior Transfer Doc	2387001349
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 23, 2026
Property Address	2685 38TH AVE SE, NAPLES, FL 34117-8888
Document Number	0006877598
Book / Page	6631 / 3340
Instrument Date	Sep 18, 2026
Instrument	20266877598
Transaction Type	Transfer
Record Updated	Oct 5, 2026
Title Company	HOME LAND TITLE, HOME & LAND TITLE OF NAPLES LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374,639.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2685 38TH AVE SE, NAPLES, FL 34117-8888

Mortgage

Document Number	0006877599,
Date	Sep 23, 2026
Instrument	20266877599

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2685 38th Ave SE was $251, up 0.4% 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		$40,470 (+218.54%) Land $40,470	$40,470 (-) Land $40,470
2025	$251.00 (+0.4%)	$12,705	$40,470 Land $40,470
2024	$250.00 (+5.93%)
2023	$236.00 (+3.51%)	$10,500 (+10.01%)	$40,470 (+8.4%) Land $40,470
2022	$228.00	$9,545	$37,335 Land $37,335

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2685 38th Ave SE 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 468 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	468 in force
Nearby Flood Claims	5 (2017–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	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

Wildfire risk around 2685 38th Ave SE is high, ranking above 82% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Streamline Internet Fixed Wireless	450 / 80
Verizon Fixed Wireless	300 / 20