409 Pine Lake Dr, Naples, FL 34112 Property Records

Collier County property record for 409 Pine Lake Dr, Naples, FL 34112

Property Summary

Property Type	Single Family Home
Details	1,336 sqft · built 1980
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Apr 2021)
Tax Bill	$3,995 (2025)
Deeds & Mortgages	Apr 2021 Sale Feb 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`448300 A 695A12`

Property Details

APN / Parcel Number

Primary APN	`448300 A 695A12`
Alternative APNs	`53952760005102600A695` `53952760005`

Interior

Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2005
Construction Type	Masonry / Concrete Block
Lot Area	8,276 sqft (0.19 acres)
Deck Area	228 sqft

Location & Zoning

Street Address	409 PINE LAKE DR
City	NAPLES
State	FL
Zip	34112-5210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4
Legal Description	LAKEWOOD UNIT 5 BLK A LOT 69
Legal Range	25
Legal Township	50
Legal Section	12
Legal Subdivision	LAKEWOOD UNIT 5
Legal Tract	448300
Legal Block	A
Legal Lot Number	69
Legal Unit	5
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1002
Census Tract	10606

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	2 Individual Names on Record
Mailing Address	409 PINE LAKE DR, NAPLES, FL 34112-5210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Warranty Deed, Transfer ROSS TITLE AND ESCROW INC, ROSS TITLE & ESCROW INC
Feb 12, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Prior Sale	Mar 16, 2010 · Amount on Record
Deed Document Number	20216041545
Deed Book / Page	5930 / 2530
Prior Transfer Date	Jan 19, 2012
Prior Transfer Doc	0047832359
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 19, 2021
Property Address	409 PINE LAKE DR, NAPLES, FL 34112-5210
Document Number	0059302530
Book / Page	5930 / 2530
Map Reference	MB 12 PG 66
Instrument Date	Apr 15, 2021
Instrument	6041545
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ROSS TITLE AND ESCROW INC, ROSS TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 PINE LAKE DR, 409, NAPLES, FL 34112-5210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 PINE LAKE DR, NAPLES, FL 34112-5210

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	409 PINE LAKE DR, NAPLES, FL 34112-5210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057261981
Date	Feb 12, 2020
Book Page	5726/1981
Instrument	5827654

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$377,142 (-3.89%) Land $199,461 Building $177,681	$377,142 (-3.89%) Land $199,461 Building $177,681
2025	$3,995.00 (-7.74%) Homeowner's exemption	$392,399 (-16.16%) Land $246,223 Building $146,176	$392,399 (-16.16%) Land $246,223 Building $146,176
2024	$4,330.00 (-8.07%)
2023	$4,710.00 (+3.29%) Homeowner's exemption	$468,041 (+19.75%) Land $256,568 Building $211,473	$468,041 (+19.75%) Land $256,568 Building $211,473
2022	$4,560.00	$390,845 Land $173,804 Building $217,041	$390,845 Land $173,804 Building $217,041

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 183 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	515 units insured incl. 332 condo units
Nearby Flood Claims	13 (1991–2022)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 3 claims Hurricane Wilma, Oct 2005 · 3 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Blue Stream Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: CenturyLink, T-Mobile.

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