396 Saddlebrook Ln, Naples, FL 34110 Property Records

Collier County property record for 396 Saddlebrook Ln, Naples, FL 34110 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2,426 sqft · built 2007
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$503,000 (Apr 2020)
Tax Bill	$4,442 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`412650 743A23`

Property Details

APN / Parcel Number

Primary APN	`412650 743A23`
Alternative APN	`50940010825`

Interior

Stories	1 Story
Building Area	2,426 sqft Living Area
Gross Area	2,849 sqft
1st Floor Area	2,426 sqft

Exterior

Year Built	Built 2007
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	140 ft deep x 64 ft wide
Pool Area	336 sqft
Porch	Enclosed Porch
Deck Area	622 sqft

Location & Zoning

Account Number	412650 743A23
Street Address	396 SADDLEBROOK LN
City	NAPLES
State	FL
Zip	34110-1368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HORSE CREEK ESTATES LOT 74
Legal Range	25
Legal Township	48
Legal Section	23
Legal Subdivision	HORSE CREEK ESTATES
Legal Tract	412650
Legal Lot Number	74
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1002
Census Tract	10108

Owner

Source: Collier County records · APN 412650 743A23

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	396 SADDLEBROOK LN, NAPLES, FL 34110-1368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 07, 2020 · Amount on Record
Deed Sale	Apr 07, 2020 · Amount on Record
Prior Sale	Jun 23, 2014 · Amount on Record
Deed Document Number	5852808
Deed Book / Page	5749 / 58
Record Updated	Jun 08, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 07, 2020
Property Address	396 SADDLEBROOK LN, NAPLES, FL 34110-1368
Document Number	0057490058
Book / Page	5749 / 58
Map Reference	MB 41 PG 74-81
Instrument Date	Mar 30, 2020
Instrument	5852808
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	NAPLES TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,521.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	396 SADDLEBROOK LN, NAPLES, FL 34110-1368

Mortgage

Document Number	0057490060
Date	Apr 07, 2020
Instrument	5749/0060

Lender

Name	ONE AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Collier County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,442.00 (+3.52%) Homeowner's exemption	$453,440 (+5.99%)	$907,937 (+10.99%) Land $456,742 Building $451,195
2023	$4,291.00 (+2%) Homeowner's exemption	$427,826 (+3%)	$818,039 (+17.67%) Land $337,822 Building $480,217
2022	$4,207.00 Homeowner's exemption	$415,365	$695,175 Land $184,324 Building $510,851

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Collier County (12021C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120210101081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 483 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	579 units insured (96 under condo master policies) 342 of 483 individual policies on primary residences
Nearby Flood Claims	106 (1980–2024)
Claims Outside the SFHA	10 of 106
Most Recent Claim	Oct 2024, tidal / storm surge, Hurricane Milton
Flood Events	Hurricane Ian (Oct 2022), 35 claims Hurricane Ian (Sep 2022), 28 claims Hurricane Irma (Sep 2017), 21 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.