414 20th St SE, Naples, FL 34117 Property Records

Collier County property record for 414 20th St SE, Naples, FL 34117

Property Summary

Property Type	Single Family Home
Details	2,106 sqft · built 2023
Lot Size	2.73 acres (118,919 sqft)
Owner	2 Individual Names on File
Last Sale	$162,000 (Mar 2022)
Tax Bill	$7,569 (2025)
Deeds & Mortgages	May 2022 Construction Loan Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`342700 92 14C12`

Property Details

APN / Parcel Number

Primary APN	`342700 92 14C12`
Alternative APNs	`393897600030753009214` `39389760003`

Interior

Building Area	2,106 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Masonry / Concrete Block
Lot Area	118,919 sqft
Pool Area	464 sqft
Deck Area	999 sqft

Location & Zoning

Street Address	414 20TH ST SE
City	NAPLES
State	FL
Zip	34117-9457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 51 N 180FT OF TR 92 OR 1011 PG 1994
Legal Range	27
Legal Township	49
Legal Section	12
Legal Subdivision	GOLDEN GATE EST UNIT 51
Legal Tract	92
Legal Block	3
Legal Lot Number	1
Legal Unit	51
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3001
Census Tract	10426

Owner

414 20th St SE is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	414 20TH ST SE, NAPLES, FL 34117-9457
Occupancy	Owner Occupied
Owner Type	Individual

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
May 15, 2022	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Mar 8, 2022	Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Nov 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2022 · Amount on File
Deed Sale	Mar 8, 2022 · Amount on File
Deed Document Number	20226216479
Deed Book / Page	6094 / 2962
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	0058451054
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	414 20TH ST SE, NAPLES, FL 34117-9457
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	NHN 20TH ST SE, NAPLES, FL 34117

Mortgage

Document Number	0061270406
Date	May 15, 2022
Book Page	6127/406
Instrument	6252596

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	May 1, 2053

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 8, 2022
Property Address	414 20TH ST SE, NAPLES, FL 34117-9457
Document Number	0060942962
Book / Page	6094 / 2962
Map Reference	MB 5 PG 84
Instrument Date	Feb 28, 2022
Instrument	6216479
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,134.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6145 LANCEWOOD WAY, NAPLES, FL 34116-4815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3005 OSSIAN LN, APEX, NC 27502-2523

Mortgage

Document Number	0060942964
Date	Mar 8, 2022
Instrument	6094/2964

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Mortgage

Document Number	0060961924
Date	Mar 11, 2022
Book Page	6096/1924
Instrument	6218461

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	8%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Nov 16, 2020
Property Address	414 20TH ST SE, NAPLES, FL 34117-9457
Document Number	0058451054
Book / Page	005845 / 001054
Instrument Date	Nov 1, 2020
Instrument	5954341
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6145 LANCEWOOD WAY NAPLES FL 341164815, NAPLES, FL 34116-4815

Tax Assessment & Valuation

The 2025 property tax bill for 414 20th St SE was $7,569 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		$755,797 (+2.7%)	$765,162 (+1.58%) Land $139,230 Building $625,932
2025	$7,569.00 (+7.19%) Homeowner's exemption	$735,927	$753,263 Land $139,230 Building $614,033
2024	$7,061.00 (+412.04%)
2023	$1,379.00 (+59.05%)	$133,770 (+292.07%) Land $133,770	$133,770 (-7.55%) Land $133,770
2022	$867.00	$34,119	$144,690 Land $144,690

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 414 20th St SE in Zone AH, 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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 256 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	264 units insured incl. 8 condo units
Nearby Flood Claims	4 (2017–2026)
Most Recent Claim	Aug 2026 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 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

Wildfire risk around 414 20th St SE is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Streamline Internet.

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