3520 45th Ave NE, Naples, FL 34120 Property Records

Collier County property record for 3520 45th Ave NE, Naples, FL 34120

Property Summary

Property Type	Single Family Home
Details	1,084 sqft · built 2003
Lot Size	1.13 acres (49,658 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Apr 2009)
Tax Bill	$1,033 (2025)
Deeds & Mortgages	Dec 2020 Loan Modification May 2018 Line of Credit
Flood Zone	Zone AH (high risk)
APN	`344800 68 33D08`

Property Details

APN / Parcel Number

Primary APN	`344800 68 33D08`
Alternative APN	`39778440002`

Interior

Stories	1 Story
Building Area	1,084 sqft Living Area
1st Floor Area	1,084 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Masonry / Concrete Block
Lot Area	49,658 sqft

Location & Zoning

Street Address	3520 45TH AVE NE
City	NAPLES
State	FL
Zip	34120-3277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 62 E 75FT OF W 180FT OF TR 68
Legal Range	28
Legal Township	48
Legal Section	8
Legal Subdivision	GOLDEN GATE EST UNIT 62
Legal Tract	68
Legal Block	1
Legal Lot Number	3
Legal Unit	62
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	1
Census Block	1015
Census Tract	11206

Owner

3520 45th Ave NE is owned and occupied by an individual who bought it in April 2009.

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

Owner of Record	Individual Name on File
Mailing Address	3520 45TH AVE NE, NAPLES, FL 34120-3277
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
Dec 18, 2020	Loan Modification, Mortgage ATTORNEY ONLY
May 3, 2018	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2009 · Amount on File
Deed Sale	Apr 6, 2009 · Amount on File
Prior Sale	Oct 10, 2008
Deed Document Number	20094279861
Deed Book / Page	4441 / 1072
Record Updated	Oct 29, 2026

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	3520 45TH AVE NE, NAPLES, FL 34120-3277
Document Number	0058820678
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 45TH AVE NE NAPLES FL 341203277, NAPLES, FL 34120-3277

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3520 45TH AVE NE, NAPLES, FL 34120-3277
Document Number	0055072100
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 45TH AVE NE NAPLES FL 341203277, NAPLES, FL 34120-3277

Mortgage

Document Number	0055072100
Date	May 8, 2018
Book Page	005507/002100
Instrument	5553072

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 7, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3520 45th Ave NE was $1,033 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		$107,548 (+2.7%)	$211,048 (-2.8%) Land $47,880 Building $163,168
2025	$1,033.00 Homeowner's exemption	$104,721	$217,119 Land $47,880 Building $169,239
2023	$969.00 (+2.11%) Homeowner's exemption	$98,806 (+3%)	$241,239 (+13.68%) Land $57,285 Building $183,954
2022	$949.00 Homeowner's exemption	$95,928	$212,215 Land $38,903 Building $173,312

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3520 45th 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 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

Wildfire risk around 3520 45th Ave NE is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 74% of the US · above 60% 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

4G LTE (outdoors only), no 5G reported

Nearby Properties on 45th Ave NE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures