Collier County property record for 395 Valley Stream Cir, Naples, FL 34113
| Property Type | Single Family Home |
|---|---|
| Details | 2,119 sqft · built 1989 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Company Name on File |
| Last Sale | $265,000 (Sep 2004) |
| Tax Bill | $3,030 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 458200 21 75B20 |
| Primary APN | 458200 21 75B20 |
|---|---|
| Alternative APN |
|
| Building Area | 2,119 sqft Living Area |
|---|---|
| 1st Floor Area | 2,119 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 10,454 sqft (0.24 acres) |
| Pool Area | 468 sqft |
| Deck Area | 642 sqft |
| Street Address | 395 VALLEY STREAM CIR |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34113-7633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LELY GOLF EST ST ANDREWS EAST BLK 21 LOT 7 |
| Legal Range | 26 |
| Legal Township | 50 |
| Legal Section | 20 |
| Legal Subdivision | LELY GOLF EST ST ANDREWS EAST |
| Legal Block | 21 |
| Legal Lot Number | 7 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 10801 |
395 Valley Stream Cir is owned by a company that bought it in September 2004 and is owner-occupied.
Source: Collier County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 395 VALLEY STREAM CIR, NAPLES, FL 34113-7633 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2004 · Amount on File |
| Deed Sale | Sep 14, 2004 · Amount on File |
| Deed Document Number | 20043474351 |
| Deed Book / Page | 3642 / 2549 |
| Prior Transfer Date | Jul 9, 1999 |
| Prior Transfer Doc | 2571002565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 395 VALLEY STREAM CIR, NAPLES, FL 34113-7633 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 395 VALLEY STREAM CIR, NAPLES, FL 34113-7633 |
| Document Number | 0065301520 |
|---|---|
| Date | Dec 1, 2025 |
| Book Page | 6530/1520 |
| Instrument | 6757349 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
The 2025 property tax bill for 395 Valley Stream Cir was $3,030 with a homeowner's exemption.
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $270,487 (+2.7%) | $515,694 (+6.13%) Land $275,212 Building $240,482 | |
| 2025 | $3,030.00 Homeowner's exemption | $263,376 | $485,887 Land $277,477 Building $208,410 |
| 2023 | $2,800.00 (+10.54%) Homeowner's exemption | $248,498 (+13.46%) | $548,715 (+27.41%) Land $283,140 Building $265,575 |
| 2022 | $2,533.00 Homeowner's exemption | $219,015 | $430,669 Land $181,351 Building $249,318 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 395 Valley Stream Cir 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 | Varies along the reach; see FIRM |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 395 Valley Stream Cir is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 414 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: T-Mobile, Verizon.
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