Collier County property record for 3985 38th Ave SE, Naples, FL 34117
| Property Type | Single Family Home |
|---|---|
| Details | 1,781 sqft · built 2020 |
| Lot Size | 2.26 acres (98,881 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $565,000 (Mar 2026) |
| Tax Bill | $1,742 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jun 2022 Line of Credit + 4 more |
| Flood Zone | Zone AH (high risk) |
| APN | 354700 87 04D32 |
| Primary APN | 354700 87 04D32 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,781 sqft Living Area |
|---|---|
| 1st Floor Area | 1,781 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 98,881 sqft |
| Street Address | 3985 38TH AVE SE |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34117-9479 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | E |
| Legal Description | GOLDEN GATE EST UNIT 92 E 150FT OF TR 87 OR 692 PG 1929-30 |
| Legal Range | 28 |
| Legal Township | 49 |
| Legal Section | 32 |
| Legal Subdivision | GOLDEN GATE EST UNIT 92 |
| Legal Tract | 87 |
| Legal Block | 2 |
| Legal Unit | 92 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 10428 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4530 SW 154TH PL, MIAMI, FL 33185-4260 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Jun 16, 2022 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Mar 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 4, 2020 | Loan Modification, Mortgage · Conventional with PMI LAKE MI CU |
| Oct 7, 2019 | Intrafamily Transfer, Transfer · Construction Mortgage LAKE MICHIGAN CU |
| Jan 13, 2017 | Warranty Deed, Transfer · Conventional Mortgage DAVE & RUTH HUFF |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2026 · Amount on Record |
| Deed Sale | Mar 5, 2026 · Amount on Record |
| Prior Sale | Sep 4, 2024 · Amount on Record |
| Deed Document Number | 20266793381 |
| Deed Book / Page | 6560 / 1231 |
| Prior Transfer Date | Aug 22, 2019 |
| Prior Transfer Doc | 0056813149 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 3985 38TH AVE SE, NAPLES, FL 34117-9479 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0058891064 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 5889/1064 |
| Instrument | 5998440 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 3985 38TH AVE SE, NAPLES, FL 34117-9479 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0061412219 |
|---|---|
| Date | Jun 16, 2022 |
| Book Page | 6141/2219 |
| Instrument | 6269396 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49512 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Mar 5, 2026 |
| Property Address | 3985 38TH AVE SE, NAPLES, FL 34117-9479 |
| Document Number | 0065601231 |
| Book / Page | 6560 / 1231 |
| Map Reference | MB 5 PG 31 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 6793381 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,955.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 156 BIG CREEK RD, MADISONVILLE, TN 37354-6839 |
| Name | Verified Name |
|---|---|
| Address | 4530 SW 154TH PL, MIAMI, FL 33185-4260 |
| Document Number | 0065601233 |
|---|---|
| Date | Mar 5, 2026 |
| Instrument | 6560/1233 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 3985 38TH AVE SE, NAPLES, FL 34117-9479 |
| Document Number | 0058591971 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3985 38TH AVE SE NAPLES FL 34117, NAPLES, FL 34117 |
| Document Number | 0058591971 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 005859/001971 |
| Instrument | 5969073 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501-2848 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 13, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.37% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Oct 7, 2019 |
| Property Address | 3985 38TH AVE SE, NAPLES, FL 34117-9479 |
| Document Number | 0056813149 |
| Book / Page | 5681 / 3149 |
| Map Reference | MB 5 PG 31 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 5774631 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4123 NE 22ND ST, HOMESTEAD, FL 33033-5135 |
| Document Number | 0056813152 |
|---|---|
| Date | Oct 7, 2019 |
| Instrument | 5681-3152 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Jan 13, 2017 |
| Property Address | 3985 38TH AVE SE, NAPLES, FL 34117-9479 |
| Document Number | 0053531348 |
| Book / Page | 005353 / 001348 |
| Instrument Date | Jan 6, 2017 |
| Instrument | 5356375 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2017 |
| Title Company | NAPLES TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $209.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4123 NE 22ND ST HOMESTEAD FL 330335135, HOMESTEAD, FL 33033-5135 |
| Document Number | 53531350, |
|---|---|
| Date | Jan 13, 2017 |
| Book Page | 005353/001350 |
| Instrument | 5356376 |
| Name | DAVE & RUTH HUFF |
|---|---|
| Address | 220 SHARWOOD DR, NAPLES, FL 34110-5722 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 12, 2022 |
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 | $186,145 (+2.7%) | $406,447 (-6.01%) Land $43,130 Building $363,317 | |
| 2025 | $1,742.00 (-41.45%) | $181,251 (-39.66%) | $432,443 (-3.82%) Land $43,130 Building $389,313 |
| 2024 | $2,975.00 (+1.26%) | ||
| 2023 | $2,938.00 (-1.77%) Homeowner's exemption | $300,371 (+3%) | $449,619 (+7.08%) Land $40,860 Building $408,759 |
| 2022 | $2,991.00 Homeowner's exemption | $291,622 | $419,900 Land $35,753 Building $384,147 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AH high risk · shallow ponding 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 532 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 532 in force |
| Nearby Flood Claims | 13 (1999–2024) |
| Claims Outside the SFHA | 1 of 13 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures