3446 45th Ave NE, Naples, FL 34120 Property Records

Collier County property record for 3446 45th Ave NE, Naples, FL 34120

Property Summary

Property Type	Single Family Home
Details	2,154 sqft · built 2020
Lot Size	2.26 acres (98,881 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Feb 2019)
Tax Bill	$4,421 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2019 Construction Loan + 2 more
Flood Zone	Zone AH (high risk)
APN	`344800 52 13D08`

Property Details

APN / Parcel Number

Primary APN	`344800 52 13D08`
Alternative APN	`39776200008`

Interior

Building Area	2,154 sqft Living Area
1st Floor Area	2,154 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Masonry / Concrete Block
Lot Area	98,881 sqft
Porch	Aluminum Porch

Location & Zoning

Street Address	3446 45TH AVE NE
City	NAPLES
State	FL
Zip	34120-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 62 E 150FT OF TR 52
Legal Range	28
Legal Township	48
Legal Section	8
Legal Subdivision	GOLDEN GATE EST UNIT 62
Legal Tract	52
Legal Block	1
Legal Lot Number	1
Legal Unit	62
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	1
Census Block	1015
Census Tract	11206

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	3446 45TH AVE NE, NAPLES, FL 34120-1544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 1, 2019	Trustee's Deed, Construction Loan · Construction Mortgage LAKE MI CU
Feb 14, 2019	Warranty Deed, Transfer CLASSIC TITLE, CLASSIC TITLE SVC INC
Feb 14, 2019	Warranty Deed, Transfer CLASSIC TITLE, CLASSIC TITLE SVC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2019 · Amount on Record
Deed Sale	Feb 14, 2019 · Amount on Record
Prior Sale	Feb 14, 2019 · Amount on Record
Deed Document Number	20195672250
Deed Book / Page	5598 / 2949
Prior Transfer Date	Jun 19, 2006
Prior Transfer Doc	0040620982
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3446 45TH AVE NE, NAPLES, FL 34120-1544
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	DEFENDER TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060570082
Date	Dec 15, 2021
Book Page	6057/82
Instrument	6175058

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	COLLIER FL
Recording Date	May 1, 2019
Property Address	3446 45TH AVE NE, NAPLES, FL 34120-1544
Document Number	0056241847
Book / Page	005624 / 001847
Instrument Date	Apr 30, 2019
Instrument	5705925
Transaction Type	Construction Loan
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3446 45TH AVE NE NAPLES FL 34120, NAPLES, FL 34120

Mortgage

Document Number	56241847
Date	May 1, 2019
Book Page	005624/001847
Instrument	5705925

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 14, 2019
Property Address	3446 45TH AVE NE, NAPLES, FL 34120-1544
Document Number	0055982949
Book / Page	005598 / 002949
Instrument Date	Feb 11, 2019
Instrument	5672250
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	CLASSIC TITLE, CLASSIC TITLE SVC INC

Transaction

Amount	Amount Recorded
Tax	$315.00
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	7050 SIERRA CLUB CIR #31202 NAPLES FL 341137351, 31202, NAPLES, FL 34113-7351

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 14, 2019
Property Address	3446 45TH AVE NE, NAPLES, FL 34120-1544
Document Number	0055982948
Book / Page	005598 / 002948
Instrument Date	Feb 8, 2019
Instrument	5672249
Transaction Type	Transfer
Record Updated	Feb 25, 2019
Title Company	CLASSIC TITLE, CLASSIC TITLE SVC INC

Transaction

Amount	Amount Recorded
Tax	$224.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15435 CEDARWOOD LN #103 NAPLES FL 341107030, 103, NAPLES, FL 34110-7030

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		$391,519 (+2.7%)	$565,191 (-2.77%) Land $95,340 Building $469,851
2025	$4,421.00 (+4.12%) Homeowner's exemption	$381,226 (+5.99%)	$581,310 (-9.55%) Land $95,340 Building $485,970
2023	$4,246.00 (-1.14%) Homeowner's exemption	$359,691 (+3%)	$642,715 (+11.92%) Land $114,068 Building $528,647
2022	$4,295.00 Homeowner's exemption	$349,215	$574,281 Land $77,464 Building $496,817

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 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 Record median of 906 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	906 in force
Nearby Flood Claims	6 (2017–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 5 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	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.4% 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Streamline Internet Fixed Wireless	450 / 80

Cell Coverage

5G and 4G LTE (outdoors only)

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