323 Saddlebrook Ln, Naples, FL 34110 Property Records

Collier County property record for 323 Saddlebrook Ln, Naples, FL 34110

Property Summary

Property Type	Single Family Home
Details	2,232 sqft · built 2011
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Sep 2017)
Tax Bill	$4,256 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`412650 453A23`

Property Details

APN / Parcel Number

Primary APN	`412650 453A23`
Alternative APN	`50940010249`

Interior

Stories	1 Story
Building Area	2,232 sqft Living Area
1st Floor Area	2,232 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Construction Type	Masonry / Concrete Block
Lot Area	11,326 sqft (0.26 acres)
Deck Area	700 sqft

Location & Zoning

Street Address	323 SADDLEBROOK LN
City	NAPLES
State	FL
Zip	34110-1373
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3
Legal Description	HORSE CREEK ESTATES LOT 45
Legal Range	25
Legal Township	48
Legal Section	23
Legal Subdivision	HORSE CREEK ESTATES
Legal Tract	412650
Legal Block	1
Legal Lot Number	45
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1000
Census Tract	10108

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	323 SADDLEBROOK LN, NAPLES, FL 34110-1373
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Sep 6, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN EAGLE MTG/FL
Feb 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2017 · Amount on Record
Deed Sale	Sep 6, 2017 · Amount on Record
Prior Sale	May 16, 2014 · Amount on Record
Deed Document Number	20175448511
Deed Book / Page	5431 / 3828
Prior Transfer Date	Dec 21, 2016
Prior Transfer Doc	0053642388
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	323 SADDLEBROOK LN, NAPLES, FL 34110-1373
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 SADDLEBROOK LN, NAPLES, FL 34110-1373

Mortgage

Document Number	0059330179
Date	Apr 22, 2021
Book Page	5933/179
Instrument	6044077

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 6, 2017
Property Address	323 SADDLEBROOK LN, NAPLES, FL 34110-1373
Document Number	0054313828
Book / Page	005431 / 003828
Instrument Date	Aug 28, 2017
Instrument	5448511
Transaction Type	Transfer
Record Updated	Oct 5, 2017
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
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	323 SADDLEBROOK LN NAPLES FL 341101373, NAPLES, FL 34110-1373

Mortgage

Document Number	54313832
Date	Sep 6, 2017
Book Page	005431/003832
Instrument	5448514

Lender

Name	AMERICAN EAGLE MTG/FL
Address	NAPLES, FL 34109

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 5, 2037

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 20, 2017
Property Address	323 SADDLEBROOK LN, NAPLES, FL 34110-1373
Document Number	0053642388
Book / Page	005364 / 002388
Instrument Date	Dec 21, 2016
Instrument	5369574
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	33 ANTHONY DR LONDONDERRY NH 030533188, LONDONDERRY, NH 03053-3188

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		$446,860 (+2.7%)	$702,944 (-20.42%) Land $408,349 Building $294,595
2025	$4,256.00 (+2.41%) Homeowner's exemption	$435,112 (+5.99%)	$883,346 (+11.31%) Land $450,492 Building $432,854
2024	$4,156.00 (+1.09%)
2023	$4,111.00 (+2.04%) Homeowner's exemption	$410,533 (+3%)	$793,594 (+19.12%) Land $333,200 Building $460,394
2022	$4,029.00 Homeowner's exemption	$398,576	$666,234 Land $177,235 Building $488,999

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 483 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	579 units insured incl. 96 condo units
Nearby Flood Claims	106 (1980–2024)
Claims Outside the SFHA	10 of 106
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 35 claims Hurricane Ian, Sep 2022 · 28 claims Hurricane Irma, Sep 2017 · 21 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	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	COLLIER COUNTY REGIONAL WTP serves 216,993 people · EPA ID FL5114069
Water Source	Groundwater
Last State Inspection	Jul 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	9 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Summit Broadband.

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