386 Saddlebrook Ln, Naples, FL 34110 Property Records

Collier County property record for 386 Saddlebrook Ln, Naples, FL 34110

Property Summary

Property Type	Single Family Home
Details	2,880 sqft · built 2006
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,090,000 (May 2023)
Tax Bill	$9,571 (2025)
Deeds & Mortgages	May 2026 Mortgage May 2023 Sale
Flood Zone	Zone X (moderate risk)
APN	`412650 723A23`

Property Details

APN / Parcel Number

Primary APN	`412650 723A23`
Alternative APN	`50940010786`

Interior

Stories	1 Story
Building Area	2,880 sqft Living Area
1st Floor Area	2,880 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Masonry / Concrete Block
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Pool Area	364 sqft
Deck Area	381 sqft

Location & Zoning

Street Address	386 SADDLEBROOK LN
City	NAPLES
State	FL
Zip	34110-1368
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3
Legal Description	HORSE CREEK ESTATES LOT 72
Legal Range	25
Legal Township	48
Legal Section	23
Legal Subdivision	HORSE CREEK ESTATES
Legal Tract	412650
Legal Block	1
Legal Lot Number	72
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1002
Census Tract	10108

Owner

Source: Collier County records, as of May 19, 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	386 SADDLEBROOK LN, NAPLES, FL 34110-1368
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage U S BANK N A
May 23, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2023 · Amount on Record
Deed Sale	May 23, 2023 · Amount on Record
Prior Sale	Mar 30, 2006 · Amount on Record
Deed Document Number	20236406594
Deed Book / Page	6250 / 52
Prior Transfer Date	Mar 16, 2007
Prior Transfer Doc	0042283360
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	May 6, 2026
Property Address	386 SADDLEBROOK LN, NAPLES, FL 34110-1368
Document Number	0006821336
Book / Page	6584 / 2254
Instrument Date	Apr 27, 2026
Instrument	20266821336
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 SADDLEBROOK LN, NAPLES, FL 34110-1368

Mortgage

Document Number	0006821336,
Date	May 6, 2026
Book Page	6584/2254
Instrument	20266821336

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 23, 2023
Property Address	386 SADDLEBROOK LN, NAPLES, FL 34110-1368
Document Number	0062500052
Book / Page	6250 / 52
Map Reference	MB 41 PG 74
Instrument Date	May 16, 2023
Instrument	6406594
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$7,630.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	61 PARIS RD, NEW HARTFORD, NY 13413-2344

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	386 SADDLEBROOK LN, NAPLES, FL 34110-1368

Tax Assessment & Valuation

Source: Collier County assessment roll, as of September 9, 2025

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
2025	$9,571.00 (+1.7%) Homeowner's exemption	$960,864 (+2.28%) Land $450,492 Building $510,372	$960,864 (+2.28%) Land $450,492 Building $510,372
2024	$9,411.00 (+25.85%) Homeowner's exemption	$939,430 (+65.8%) Land $437,472 Building $501,958	$939,430 (+7.22%) Land $437,472 Building $501,958
2023	$7,478.00 (+10.82%)	$566,616 (+1%)	$876,173 (+16.1%) Land $333,200 Building $542,973
2022	$6,748.00	$515,105	$754,690 Land $177,235 Building $577,455

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

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 500 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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