399 Saddlebrook Ln, Naples, FL 34110 Property Records

Collier County property record for 399 Saddlebrook Ln, Naples, FL 34110

Property Summary

Property Type	Single Family Home
Details	3,634 sqft · built 2008
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on Record
Last Sale	$870,000 (Apr 2017)
Tax Bill	$261 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2024 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`412650 263A23`

Property Details

APN / Parcel Number

Primary APN	`412650 263A23`
Alternative APN	`50940009865`

Interior

Stories	2 Stories
Building Area	3,634 sqft Living Area
1st Floor Area	3,634 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Masonry / Concrete Block
Lot Area	13,068 sqft (0.3 acres)
Pool Area	392 sqft
Deck Area	735 sqft

Location & Zoning

Street Address	399 SADDLEBROOK LN
City	NAPLES
State	FL
Zip	34110-1373
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3
Legal Description	HORSE CREEK ESTATES LOT 26
Legal Range	25
Legal Township	48
Legal Section	23
Legal Subdivision	HORSE CREEK ESTATES
Legal Tract	412650
Legal Block	1
Legal Lot Number	26
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1008
Census Tract	10108

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	Company Name on Record
Mailing Address	399 SADDLEBROOK LN, NAPLES, FL 34110-1373
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 5, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 21, 2017	Warranty Deed, Transfer · VA Mortgage KS STATEBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2017 · Amount on Record
Deed Sale	Apr 21, 2017 · Amount on Record
Prior Sale	Dec 11, 2013 · Amount on Record
Deed Document Number	20175394661
Deed Book / Page	5385 / 1660
Last Transfer Date	Mar 1, 2024
Transfer Doc	0063353278
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	399 SADDLEBROOK LN, NAPLES, FL 34110-1373
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 SADDLEBROOK LN, NAPLES, FL 34110-1373

Mortgage

Document Number	0058862962
Date	Feb 4, 2021
Book Page	5886/2962
Instrument	5995825

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	135 Months
Due	May 1, 2032

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Mar 5, 2024
Property Address	399 SADDLEBROOK LN, NAPLES, FL 34110-1373
Document Number	0063353278
Book / Page	6335 / 3278
Map Reference	MB 41 PG 74-81
Instrument Date	Mar 1, 2024
Instrument	6515623
Transaction Type	Transfer
Record Updated	Mar 19, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	399 SADDLEBROOK LN, NAPLES, FL 34110-1373

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	399 SADDLEBROOK LN, NAPLES, FL 34110-1373

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 21, 2017
Property Address	399 SADDLEBROOK LN, NAPLES, FL 34110-1373
Document Number	0053851660
Book / Page	5385 / 1660
Map Reference	MB41 PG74-81
Instrument Date	Apr 13, 2017
Instrument	5394661
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	OMEGA TITLE NAPLES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,090.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 SADDLBROOK LANE, 39, NAPLES, FL 34110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 SADDLEBROOK LN, NAPLES, FL 34110-1373

Mortgage

Document Number	0005394662
Date	Apr 21, 2017
Instrument	5394662

Lender

Name	KS STATEBANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2032

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		$692,432 (+2.7%)	$1,169,423 (-10.74%) Land $420,331 Building $749,092
2025	$261.00 (-95.97%) Homeowner's exemption Veteran's exemption	$674,228 (+5.99%)	$1,310,167 (+7.34%) Land $534,027 Building $776,140
2024	$6,469.00 (+0.95%)
2023	$6,408.00 (+1.83%) Homeowner's exemption Veteran's exemption	$636,142 (+3%)	$1,220,543 (+11.93%) Land $394,986 Building $825,557
2022	$6,293.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$617,614	$1,090,485 Land $212,682 Building $877,803

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 483 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	579 units insured incl. 96 condo units
Nearby Flood Claims	106 (1980–2024)
Claims Outside the SFHA	10 of 106
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 35 claims Hurricane Ian, Sep 2022 · 28 claims Hurricane Irma, Sep 2017 · 21 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	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Summit Broadband.

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