2965 12th Ave NE, Naples, FL 34120 Property Records

Collier County property record for 2965 12th Ave NE, Naples, FL 34120

Property Summary

Property Type	Single Family Home
Details	1,404 sqft · built 1998
Lot Size	1.13 acres (49,658 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Aug 2022)
Tax Bill	$4,083 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Aug 2022 Sale & Mortgage + 3 more
Flood Zone	Zone AH (high risk)
APN	`349000 109 03D31`

Property Details

APN / Parcel Number

Primary APN	`349000 109 03D31`
Alternative APNs	`4057840000807740010903` `40578400008`

Interior

Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Lot Area	49,658 sqft

Location & Zoning

Street Address	2965 12TH AVE NE
City	NAPLES
State	FL
Zip	34120-3534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 75 W 75FT OF TR 109
Legal Range	28
Legal Township	48
Legal Section	31
Legal Subdivision	GOLDEN GATE EST UNIT 75
Legal Tract	109
Legal Block	2
Legal Unit	75
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	2
Census Block	2008
Census Tract	11214

Owner

2965 12th Ave NE is owned and occupied by an individual who bought it in August 2022.

Source: Collier County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	2965 12TH AVE NE, NAPLES, FL 34120-3534
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
Jul 8, 2022	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Aug 11, 2022	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
May 13, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Oct 17, 2019	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 11, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2022 · Amount on File
Deed Sale	Aug 11, 2022 · Amount on File
Prior Sale	Oct 17, 2019 · Amount on File
Deed Document Number	20226295607
Deed Book / Page	6163 / 349
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2965 12TH AVE NE, NAPLES, FL 34120-3534
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2965 12TH AVE NE, NAPLES, FL 34120-3534

Mortgage

Document Number	0061502543
Date	Jul 8, 2022
Book Page	6150/2543
Instrument	6280185

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	428 Months
Due	Mar 1, 2058

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 11, 2022
Property Address	2965 12TH AVE NE, NAPLES, FL 34120-3534
Document Number	0061630349
Book / Page	6163 / 349
Map Reference	MB 5 PG 11&12
Instrument Date	Aug 4, 2022
Instrument	6295607
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2965 12TH AVE NE, 2965, NAPLES, FL 34120-3534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2965 12TH AVE NE, NAPLES, FL 34120-3534

Mortgage

Document Number	0006163351
Date	Aug 11, 2022
Instrument	6163/351

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 13, 2022
Property Address	2965 12TH AVE NE, NAPLES, FL 34120-3534
Document Number	0061261815
Book / Page	6126 / 1815
Map Reference	MB 5 PG 11&12
Instrument Date	Apr 25, 2022
Instrument	6251828
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2965 2ND AVE NE, 2965, NAPLES, FL 34120-3759

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2965 12TH AVE NE, NAPLES, FL 34120-3534

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Oct 17, 2019
Property Address	2965 12TH AVE NE, NAPLES, FL 34120-3534
Document Number	0056851120
Book / Page	5685 / 1120
Map Reference	MB 5 PG 11&12
Instrument Date	Oct 15, 2019
Instrument	5778878
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	OMEGA LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3580 10TH AVE NE, 3580, NAPLES, FL 34120-5111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2965 12TH AVE NE, NAPLES, FL 34120-3534

Mortgage

Document Number	0056851234
Date	Oct 17, 2019
Instrument	5685-1234

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2965 12TH AVE NE, NAPLES, FL 34120-3534
Document Number	0055341820
Instrument Date	Jun 11, 2018
Transaction Type	Mortgage
Record Updated	Aug 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2965 12TH AVE NE NAPLES FL 341203534, NAPLES, FL 34120-3534

Mortgage

Document Number	0055341820
Date	Jul 19, 2018
Book Page	005534/001820
Instrument	5588172

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jul 18, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 2965 12th Ave NE was $4,083 with a homeowner's exemption.

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		$222,147 (-28.76%) Land $51,870 Building $170,277	$222,147 (-28.76%) Land $51,870 Building $170,277
2025	$4,083.00	$311,845 Land $51,870 Building $259,975	$311,845 Land $51,870 Building $259,975
2023	$2,581.00 (+37.58%) Homeowner's exemption	$227,091 (+36.74%) Land $37,050 Building $190,041	$227,091 (-0.8%) Land $37,050 Building $190,041
2022	$1,876.00 Homeowner's exemption	$166,078	$228,914 Land $49,676 Building $179,238

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2965 12th Ave 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 190 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	190 in force
Nearby Flood Claims	4 (2017–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 3 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 2965 12th Ave NE is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% 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 51 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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