392 Valley Stream Cir, Naples, FL 34113 Property Records

Collier County property record for 392 Valley Stream Cir, Naples, FL 34113

Property Summary

Property Type	Single Family Home
Details	1,425 sqft · built 1977
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Aug 2019)
Tax Bill	$4,163 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`458200 22 85B20`

Property Details

APN / Parcel Number

Primary APN	`458200 22 85B20`
Alternative APN	`55052160008`

Interior

Stories	1 Story
Building Area	1,425 sqft Living Area
1st Floor Area	1,425 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1990
Construction Type	Masonry / Concrete Block
Lot Area	10,890 sqft (0.25 acres)
Pool Area	392 sqft
Deck Area	802 sqft

Location & Zoning

Street Address	392 VALLEY STREAM CIR
City	NAPLES
State	FL
Zip	34113-7634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-3
Legal Description	LELY GOLF EST ST ANDREWS EAST BLK 22 LOT 8
Legal Range	26
Legal Township	50
Legal Section	20
Legal Subdivision	LELY GOLF EST ST ANDREWS EAST
Legal Tract	458200
Legal Block	22
Legal Lot Number	8
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3010
Census Tract	10801

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	392 VALLEY STREAM CIR, NAPLES, FL 34113-7634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Aug 16, 2019	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2019 · Amount on Record
Deed Sale	Aug 16, 2019 · Amount on Record
Prior Sale	Mar 7, 2014 · Amount on Record
Deed Document Number	20195754196
Deed Book / Page	5663 / 3796
Prior Transfer Date	Jun 28, 2012
Prior Transfer Doc	0048140912
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	392 VALLEY STREAM CIR, NAPLES, FL 34113-7634
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	392 VALLEY STREAM CIR, NAPLES, FL 34113-7634

Mortgage

Document Number	0058062993
Date	Aug 25, 2020
Book Page	5806/2993
Instrument	5913472

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 16, 2019
Property Address	392 VALLEY STREAM CIR, NAPLES, FL 34113-7634
Document Number	0056633796
Book / Page	5663 / 3796
Map Reference	MB 10 PG 98
Instrument Date	Aug 15, 2019
Instrument	5754196
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 PIER C, 322, NAPLES, FL 34112-8116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	392 VALLEY STREAM CIR, NAPLES, FL 34113-7634

Mortgage

Document Number	0056633798
Date	Aug 16, 2019
Instrument	5663-3798

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$363,518 (+2.7%)	$416,746 (-9.81%) Land $288,149 Building $128,597
2025	$4,163.00 (+6.44%) Homeowner's exemption	$353,961 (+5.99%)	$462,080 (-13.44%) Land $305,791 Building $156,289
2024	$3,911.00 (+1.53%)
2023	$3,852.00 (-1.15%) Homeowner's exemption	$333,966 (+3%)	$533,851 (+20.73%) Land $335,194 Building $198,657
2022	$3,897.00 Homeowner's exemption	$324,239	$442,188 Land $237,723 Building $204,465

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	Varies along the reach; see FIRM
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 264 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	574 units insured incl. 310 condo units
Nearby Flood Claims	44 (1985–2024)
Claims Outside the SFHA	5 of 44
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Seminole Tribe Of Florida Tropical Storm Nicole, Dec 2022 · 2 claims Hurricane Irma, Sep 2017 · 15 claims Hurricane Wilma, Oct 2005 · 2 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 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	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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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