3885 Estero Bay Ln, Naples, FL 34112 Property Records

Collier County property record for 3885 Estero Bay Ln, Naples, FL 34112

Property Summary

Property Type	Condominium
Details	1,120 sqft · built 1974
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Aug 2020)
Tax Bill	$2,481 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`447101 D 145A13`

Property Details

APN / Parcel Number

Primary APN	`447101 D 145A13`
Alternative APNs	`54050560009102800D145` `54050560009`

Interior

Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Condo/Apartment
Lot Area	1,742 sqft (0.04 acres)

Location & Zoning

Street Address	3885 ESTERO BAY LN
City	NAPLES
State	FL
Zip	34112-6166
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMF-6
Legal Description	LAKEWOOD UNIT 1, A PORT OF BLK D NKA LAKEWOOD VILLAS I (HO) LOT D-14 DESC IN OR 1780 PG 1823
Legal Range	25
Legal Township	50
Legal Section	13
Legal Subdivision	LAKEWOOD VILLAS I (LW) HOMEOWNERS
Legal Tract	447101
Legal Block	D
Legal Lot Number	D-14
Legal Unit	A
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2016
Census Tract	10604

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	3885 ESTERO BAY LN, NAPLES, FL 34112-6166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · Conventional with PMI MOVEMENT MTG
Oct 9, 2020	Correction Deed, Transfer ROSS TITLE AND ESCROW INC, ROSS TITLE & ESCROW INC
Aug 5, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 27, 2017	Loan Modification, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Prior Sale	Aug 5, 2013 · Amount on Record
Deed Document Number	20205903844
Deed Book / Page	5797 / 2819
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3885 ESTERO BAY LN, NAPLES, FL 34112-6166
Document Number	0058273622
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	96 PEBBLE SHORES DR #103 NAPLES FL 341109287, 103, NAPLES, FL 34110-9287

Mortgage

Document Number	0058273622
Date	Oct 9, 2020
Book Page	005827/003622
Instrument	5935860

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	INDIAN LAND, SC 29707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2050

October 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	COLLIER FL
Recording Date	Oct 9, 2020
Property Address	3885 ESTERO BAY LN, NAPLES, FL 34112-6166
Document Number	0058273619
Book / Page	005827 / 003619
Instrument Date	Oct 5, 2020
Instrument	5935859
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	ROSS TITLE AND ESCROW INC, ROSS TITLE & ESCROW INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3885 ESTERO BAY LN NAPLES FL 341126166, NAPLES, FL 34112-6166

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 5, 2020
Property Address	3885 ESTERO BAY LN, NAPLES, FL 34112-6166
Document Number	0057972819
Book / Page	5797 / 2819
Instrument Date	Aug 4, 2020
Instrument	5903844
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ROSS TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18820 SPRUCE DR W, 18820, FORT MYERS, FL 33967-3415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3885 ESTERO BAY LN, NAPLES, FL 34112-6166

Mortgage

Document Number	0057972821
Date	Aug 5, 2020
Instrument	5797/2821

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	3885 ESTERO BAY LN, NAPLES, FL 34112-6166
Document Number	0054292567
Book / Page	005429 / 002567
Instrument Date	Jul 27, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3885 ESTERO BAY LN NAPLES FL 341126166, NAPLES, FL 34112-6166

Mortgage

Document Number	0054292567
Date	Aug 29, 2017
Book Page	005429/002567
Instrument	5445937

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

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		$240,400 (-4.45%) Building $240,400	$240,400 (-4.45%) Building $240,400
2025	$2,481.00 (+5.75%) Homeowner's exemption	$251,600 (+3.54%) Building $251,600	$251,600 (+3.54%) Building $251,600
2023	$2,346.00 (-1.3%) Homeowner's exemption	$243,000 (+34.87%) Building $243,000	$243,000 (+11.18%) Building $243,000
2022	$2,377.00	$180,180	$218,572 Building $218,572

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 295 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	469 units insured incl. 174 condo units
Nearby Flood Claims	13 (1979–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Xfinity Cable	2,000 / 250
Blue Stream Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Hotwire Communications, Verizon.

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