Collier County property record for 401 Panay Ave, Naples, FL 34113
| Property Type | Single Family Home |
|---|---|
| Details | 2,082 sqft · built 1984 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $423,000 (Apr 2021) |
| Tax Bill | $10,504 (2025) |
| Deeds & Mortgages | May 2024 Reverse Mortgage Apr 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 427000 6436B32 |
| Primary APN | 427000 6436B32 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,082 sqft Living Area |
| 1st Floor Area | 2,082 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 13,504 sqft (0.31 acres) |
| View / Lot | Waterfront |
| Deck Area | 224 sqft |
| Boat Access | Boat Access |
| Street Address | 401 PANAY AVE |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34113-8602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-3 |
| Legal Description | ISLES OF CAPRI NO 3 LOT 643 |
| Legal Range | 26 |
| Legal Township | 51 |
| Legal Section | 32 |
| Legal Subdivision | ISLES OF CAPRI UNIT 3 |
| Legal Tract | 427000 |
| Legal Block | 1 |
| Legal Lot Number | 643 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 10805 |
Source: Collier County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 401 PANAY AVE, NAPLES, FL 34113-8602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 2, 2024 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Apr 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 27, 2017 | Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Mar 27, 2017 | Quit Claim Deed, Transfer QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2021 · Amount on Record |
| Deed Sale | Apr 8, 2021 · Amount on Record |
| Prior Sale | Mar 27, 2017 · Amount on Record |
| Deed Document Number | 20216034412 |
| Deed Book / Page | 5924 / 96 |
| Prior Transfer Date | Jun 28, 2016 |
| Prior Transfer Doc | 0052893042 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 401 PANAY AVE, NAPLES, FL 34113-8602 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 401 PANAY AVE, NAPLES, FL 34113-8602 |
| Document Number | 0063553995 |
|---|---|
| Date | May 2, 2024 |
| Book Page | 6355/3995 |
| Instrument | 6540995 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1095 Months |
| Due | Aug 16, 2115 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Apr 8, 2021 |
| Property Address | 401 PANAY AVE, NAPLES, FL 34113-8602 |
| Document Number | 0059240096 |
| Book / Page | 5924 / 96 |
| Map Reference | MB 3 PG 66 |
| Instrument Date | Mar 30, 2021 |
| Instrument | 6034412 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | FIRST TITLE AND ABSTRACT, FIRST TITLE & ABSTRACT INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,961.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1178 SW 22ND TER, 1178, MIAMI, FL 33129-2718 |
| Name | Verified Name |
|---|---|
| Address | 401 PANAY AVE, NAPLES, FL 34113-8602 |
| Document Number | 0000592498 |
|---|---|
| Date | Apr 8, 2021 |
| Instrument | 5924/98 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Mar 27, 2017 |
| Property Address | 401 PANAY AVE, NAPLES, FL 34113-8602 |
| Document Number | 0053753282 |
| Book / Page | 005375 / 003282 |
| Instrument Date | Mar 16, 2017 |
| Instrument | 5383195 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1178 SW 22ND TER MIAMI FL 331292718, MIAMI, FL 33129-2718 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Mar 27, 2017 |
| Property Address | 401 PANAY AVE, NAPLES, FL 34113-8602 |
| Document Number | 0053753257 |
| Book / Page | 005375 / 003257 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 5383193 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,273.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1178 SW 22ND TER MIAMI FL 331292718, MIAMI, FL 33129-2718 |
| Document Number | 53753261 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 005375/003261 |
| Instrument | 5383194 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 26, 2047 |
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 | $940,309 (-7.39%) Land $705,022 Building $235,287 | $940,309 (-10.33%) Land $705,022 Building $235,287 | |
| 2025 | $10,504.00 (+7.24%) Homeowner's exemption | $1,015,306 (+5.99%) | $1,048,685 (+3.04%) Land $846,026 Building $202,659 |
| 2024 | $9,795.00 (+0.78%) | ||
| 2023 | $9,719.00 (-2.71%) Homeowner's exemption | $957,953 (+3%) | $1,017,741 (+9.43%) Land $708,111 Building $309,630 |
| 2022 | $9,990.00 Homeowner's exemption | $930,051 Land $675,093 Building $254,958 | $930,051 Land $675,093 Building $254,958 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 265 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 539 units insured incl. 274 condo units |
| Nearby Flood Claims | 246 (2008–2025) |
| Most Recent Claim | Jan 2025 |
| 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 57% of the US · lower than 69% 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: 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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