406 Cristobal St, Naples, FL 34113 Property Records

Collier County property record for 406 Cristobal St, Naples, FL 34113

Property Summary

Property Type	Single Family Home
Details	1,669 sqft · built 1973
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (May 2015)
Tax Bill	$6,461 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2023 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`427000 5796B32`

Property Details

APN / Parcel Number

Primary APN	`427000 5796B32`
Alternative APNs	`524501200090996005796` `52450120009`

Interior

Stories	1 Story
Building Area	1,669 sqft Living Area
1st Floor Area	1,669 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Masonry / Concrete Block
Lot Area	10,019 sqft (0.23 acres)
View / Lot	Waterfront
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	540 sqft
Deck Area	100 sqft
Poultry House	234 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	406 CRISTOBAL ST
City	NAPLES
State	FL
Zip	34113-8618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-3
Legal Description	ISLES OF CAPRI NO 3 LOT 579
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	579
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1013
Census Tract	10805

Owner

406 Cristobal St is owned and occupied by two individuals who acquired it in October 2022.

Source: Collier County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	406 CRISTOBAL ST, NAPLES, FL 34113-8618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Jan 20, 2023	Intrafamily Transfer, Transfer
Oct 2, 2019	Loan Modification, Mortgage · Conventional Mortgage DONNIE G & IMBERLY A S MITCHEL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2015 · Amount on File
Deed Sale	May 5, 2015 · Amount on File
Prior Sale	Apr 28, 2015 · Amount on File
Deed Document Number	20155117678
Deed Book / Page	5148 / 294
Last Transfer Date	Oct 25, 2022
Transfer Doc	0062080155
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	406 CRISTOBAL ST, NAPLES, FL 34113-8618
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 CRISTOBAL ST, NAPLES, FL 34113-8618

Mortgage

Document Number	0065553523
Date	Feb 20, 2026
Book Page	6555/3523
Instrument	6788085

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Jan 20, 2023
Property Address	406 CRISTOBAL ST, NAPLES, FL 34113-8618
Document Number	0062080155
Book / Page	6208 / 155
Map Reference	MB 3 PG 66
Instrument Date	Oct 25, 2022
Instrument	6353010
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 CRISTOBAL ST, NAPLES, FL 34113-8618

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	406 CRISTOBAL ST, NAPLES, FL 34113-8618

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	406 CRISTOBAL ST, NAPLES, FL 34113-8618
Document Number	0056843377
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 CRISTOBAL ST NAPLES FL 341138618, NAPLES, FL 34113-8618

Mortgage

Document Number	0056843377
Date	Oct 16, 2019
Book Page	005684/003377
Instrument	5778310

Lender

Name	DONNIE G & IMBERLY A S MITCHEL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Oct 15, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 406 Cristobal St was $6,461 with a homeowner's exemption, up 7.2% from the year before.

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		$647,493 (+2.7%)	$1,464,769 (-4.63%) Land $1,213,818 Building $250,951
2025	$6,461.00 (+7.17%) Homeowner's exemption	$630,470	$1,535,909 Land $1,326,020 Building $209,889
2024	$6,029.00 (+0.92%)
2023	$5,974.00 (-2.47%) Homeowner's exemption	$594,856 (+3%)	$1,742,400 (+41.96%) Land $1,437,698 Building $304,702
2022	$6,125.00 Homeowner's exemption	$577,530	$1,227,371 Land $975,706 Building $251,665

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

Flood

FEMA maps place 406 Cristobal St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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	Hurricane Milton, Oct 2024 · 47 claims Hurricane Ian, Oct 2022 · 81 claims Hurricane Ian, Oct 2022 · 76 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

Wildfire risk around 406 Cristobal St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Summit Broadband.

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