3950 Estero Bay Ln, Naples, FL 34112 Property Records

Collier County property record for 3950 Estero Bay Ln, Naples, FL 34112

Property Summary

Property Type	Condominium
Details	1,255 sqft · built 1974
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Nov 2018)
Tax Bill	$3,321 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`447101 F 205A13`

Property Details

APN / Parcel Number

Primary APN	`447101 F 205A13`
Alternative APNs	`54051840003102800F205` `54051840003`

Interior

Building Area	1,255 sqft Living Area
1st Floor Area	1,255 sqft

Exterior

Year Built	Built 1974
Lot Area	2,178 sqft (0.05 acres)

Location & Zoning

Account Number	447101 F 205A13
Old Parcel Number	54051840003102800F205
Street Address	3950 ESTERO BAY LN
City	NAPLES
State	FL
Zip	34112-6112
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-20
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	20
Legal Unit	A
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2015
Census Tract	10604

Owner

Source: Collier County records, as of December 15, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3779 RECREATION LN, NAPLES, FL 34116-7307
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage SANIBEL CAPTIVA COMMUNITY BANK
Nov 5, 2018	Warranty Deed, Transfer · ARM SANIBEL CAPTIVA COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	May 8, 2012 · Amount on Record
Deed Document Number	5633257
Deed Book / Page	5568 / 3615
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3950 ESTERO BAY LN, NAPLES, FL 34112-6112
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056790075
Date	Oct 1, 2019
Book Page	5679/0075
Instrument	5771900

Lender

Name	SANIBEL CAPTIVA COMMUNITY BANK
Type	Bank
Address	SANIBEL, FL 33957

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Nov 5, 2018
Property Address	3950 ESTERO BAY LN, NAPLES, FL 34112-6112
Document Number	0055683615
Book / Page	5568 / 3615
Map Reference	MB12 PG7
Instrument Date	Nov 2, 2018
Instrument	5633257
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16653 TOSCANA CIR APT 706, 16653, NAPLES, FL 34110-3253

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4817 LAKEWOOD BLVD # 2, 2, NAPLES, FL 34112-5060

Mortgage

Document Number	0005633258
Date	Nov 5, 2018
Instrument	5633258

Lender

Name	SANIBEL CAPTIVA COMMUNITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Margin	1
Max Rate	7.75%

Tax Assessment & Valuation

Source: Collier County assessment roll, as of July 1, 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	$3,321.00 (+117.2%)	$291,275 (+77.87%) Building $291,275	$291,275 (+3.29%) Building $291,275
2023	$1,529.00 (-0.52%) Homeowner's exemption	$163,754 (+3%)	$282,000 (+10.1%) Building $282,000
2022	$1,537.00 Homeowner's exemption	$158,984	$256,133 Building $256,133

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 65% 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.

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.

Nearby Properties on Estero Bay Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures