4108 Cindy Ave, Naples, FL 34112 Property Records

Collier County property record for 4108 Cindy Ave, Naples, FL 34112

Property Summary

Property Type	Single Family Home
Details	1,120 sqft · built 1989
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$294,000 (Jul 2019)
Tax Bill	$3,360 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`400300 615A13`

Property Details

APN / Parcel Number

Primary APN	`400300 615A13`
Alternative APNs	`49482240009093700615` `49482240009`

Interior

Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	1,280 sqft
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	7,405 sqft (0.17 acres)
Porch	Screened Porch
Porch Area	160 sqft
Deck Area	160 sqft

Location & Zoning

Street Address	4108 CINDY AVE
City	NAPLES
State	FL
Zip	34112-6732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4
Legal Description	HEIGHLAND VILLA LOT 61
Legal Range	25
Legal Township	50
Legal Section	13
Legal Subdivision	HEIGHLAND VILLA
Legal Tract	400300
Legal Block	1
Legal Lot Number	61
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1006
Census Tract	10702

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	Individual Name on Record
Mailing Address	4108 CINDY AVE, NAPLES, FL 34112-6732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jul 1, 2019	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2019 · Amount on Record
Deed Sale	Jul 1, 2019 · Amount on Record
Prior Sale	Jun 24, 2015 · Amount on Record
Deed Document Number	20195733655
Deed Book / Page	5647 / 2026
Prior Transfer Date	Mar 11, 2016
Prior Transfer Doc	0052532477
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4108 CINDY AVE, NAPLES, FL 34112-6732
Transaction Type	Mortgage
Record Updated	Aug 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4108 CINDY AVE, NAPLES, FL 34112-6732

Mortgage

Document Number	0061551084
Date	Jul 21, 2022
Book Page	6155/1084
Instrument	6285875

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jul 1, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 1, 2019
Property Address	4108 CINDY AVE, NAPLES, FL 34112-6732
Document Number	0056472026
Book / Page	5647 / 2026
Map Reference	MB 5 PG 2
Instrument Date	Jun 28, 2019
Instrument	5733655
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIRST BOSTON TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,058.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2648 LINDA DR, 2648, NAPLES, FL 34112-6325

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4108 CINDY AVE, NAPLES, FL 34112-6732

Mortgage

Document Number	0056472028
Date	Jul 1, 2019
Instrument	5647-2028

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

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		$279,670 (+1%)	$328,031 (-7.55%) Land $217,178 Building $110,853
2025	$3,360.00 (+12.26%)	$254,245 (+21%)	$354,816 (+0.25%) Land $166,875 Building $187,941
2024	$2,993.00 (-1.32%)
2023	$3,033.00 (+1.85%)	$210,120 (+1%)	$353,922 (+4.86%) Land $232,500 Building $121,422
2022	$2,978.00	$191,018	$337,524 Land $212,625 Building $124,899

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 736 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	736 in force
Nearby Flood Claims	116 (1985–2026)
Claims Outside the SFHA	3 of 116
Most Recent Claim	Apr 2026
Claims by Event	Hurricane Ian, Sep 2022 · 36 claims Hurricane Ian, Sep 2022 · 23 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	Low lower than 67% of the US · lower than 92% 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Summit Broadband, Verizon.

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