3890 Estero Bay Ln, Naples, FL 34112 Property Records

Collier County property record for 3890 Estero Bay Ln, Naples, FL 34112

Property Summary

Property Type	Condominium
Details	1,492 sqft · built 1974
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$229,500 (Jul 2020)
Tax Bill	$2,471 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`447101 F 145A13`

Property Details

APN / Parcel Number

Primary APN	`447101 F 145A13`
Alternative APNs	`54051600007102800F145` `54051600007`

Interior

Building Area	1,492 sqft Living Area
1st Floor Area	1,492 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	3890 ESTERO BAY LN
City	NAPLES
State	FL
Zip	34112-6164
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMF-6
Legal Description	LAKEWOOD UNIT 1, A PORT OF BLK F NKA LAKEWOOD VILLAS I (HO) LOT F-14
Legal Range	25
Legal Township	50
Legal Section	13
Legal Subdivision	LAKEWOOD VILLAS I (LW) HOMEOWNERS
Legal Tract	447101
Legal Block	F
Legal Lot Number	F-14
Legal Unit	A
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2015
Census Tract	10604

Owner

3890 Estero Bay Ln, a condominium, is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3890 ESTERO BAY LN, NAPLES, FL 34112-6164
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
Oct 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TD BANK NA
Jul 27, 2020	Warranty Deed, Transfer · FHA Mortgage IBERIABANK
May 31, 2019	Warranty Deed, Transfer · Conventional Mortgage THELENDER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Prior Sale	May 31, 2019 · Amount on File
Deed Document Number	20205898860
Deed Book / Page	5792 / 3770
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3890 ESTERO BAY LN, NAPLES, FL 34112-6164
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3890 ESTERO BAY LN, NAPLES, FL 34112-6164

Mortgage

Document Number	0062943257
Date	Oct 6, 2023
Book Page	6294/3257
Instrument	6462052

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 16, 2053

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 27, 2020
Property Address	3890 ESTERO BAY LN, NAPLES, FL 34112-6164
Document Number	0057923770
Book / Page	005792 / 003770
Instrument Date	Jul 20, 2020
Instrument	5898860
Transaction Type	Transfer
Record Updated	Aug 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,607.00
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	3890 ESTERO BAY LN #F-14 NAPLES FL 341126164, F-14, NAPLES, FL 34112-6164

Mortgage

Document Number	57923772
Date	Jul 27, 2020
Book Page	005792/003772
Instrument	5898861

Lender

Name	IBERIABANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 31, 2019
Property Address	3890 ESTERO BAY LN, NAPLES, FL 34112-6164
Document Number	0056360504
Book / Page	005636 / 000504
Instrument Date	May 30, 2019
Instrument	5720258
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,064.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3890 ESTERO BAY LN NAPLES FL 341126164, NAPLES, FL 34112-6164

Mortgage

Document Number	56360507
Date	May 31, 2019
Book Page	005636/000507
Instrument	5720259

Lender

Name	THELENDER
Address	ST PETERS, MO 63376

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3890 Estero Bay Ln was $2,471 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		$257,376 (+2.7%)	$319,940 (-4.46%) Building $319,940
2025	$2,471.00 Homeowner's exemption	$250,610	$334,860 Building $334,860
2023	$2,279.00 (-1.34%) Homeowner's exemption	$236,453 (+3%)	$324,400 (+11.11%) Building $324,400
2022	$2,310.00 Homeowner's exemption	$229,566	$291,966 Building $291,966

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

Flood

FEMA maps place 3890 Estero Bay Ln in Zone AE, 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 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 File 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

Wildfire risk around 3890 Estero Bay Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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	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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