415 20th Ave NE, Naples, FL 34120 Property Records

Collier County property record for 415 20th Ave NE, Naples, FL 34120

Property Summary

Property Type	Single Family Home
Details	3,388 sqft · built 2020
Lot Size	2.73 acres (118,919 sqft)
Owner	Individual Name on File
Last Sale	$965,000 (Jan 2022)
Tax Bill	$12,364 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`332800 77 13C27`

Property Details

APN / Parcel Number

Primary APN	`332800 77 13C27`
Alternative APN	`37745640002`

Interior

Building Area	3,388 sqft Living Area
1st Floor Area	2,272 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Masonry / Concrete Block
Lot Area	118,919 sqft
Pool Area	375 sqft
Deck Area	801 sqft

Location & Zoning

Street Address	415 20TH AVE NE
City	NAPLES
State	FL
Zip	34120-2598
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 23 W 180FT OF TR 77
Legal Range	27
Legal Township	48
Legal Section	27
Legal Subdivision	GOLDEN GATE EST UNIT 23
Legal Tract	77
Legal Block	1
Legal Lot Number	1
Legal Unit	23
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	1
Census Block	1004
Census Tract	11214

Owner

415 20th Ave NE is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	415 20TH AVE NE, NAPLES, FL 34120-2598
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
Feb 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 18, 2021	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Jan 5, 2022	Warranty Deed, Transfer HEIGHTS TITLE SERVICES LLC
Dec 13, 2019	Warranty Deed, Transfer · Conventional with PMI LAKE MI CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2022 · Amount on File
Deed Sale	Jan 5, 2022 · Amount on File
Prior Sale	Dec 13, 2019 · Amount on File
Deed Document Number	20226185281
Deed Book / Page	6067 / 158
Prior Transfer Date	Jul 7, 2014
Prior Transfer Doc	0050900522
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	415 20TH AVE NE, NAPLES, FL 34120-2598
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 20TH AVE NE, NAPLES, FL 34120-2598
Investor	Possibly a Property Investor

Mortgage

Document Number	0065540563
Date	Feb 16, 2026
Book Page	6554/563
Instrument	6785820

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.75%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.75%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	415 20TH AVE NE, NAPLES, FL 34120-2598
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 20TH AVE NE, NAPLES, FL 34120-2598

Mortgage

Document Number	0062882118
Date	Sep 18, 2023
Book Page	6288/2118
Instrument	6454101

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	415 20TH AVE NE, NAPLES, FL 34120-2598
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060280419
Date	Oct 18, 2021
Book Page	6028/419
Instrument	6144749

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jan 5, 2022
Property Address	415 20TH AVE NE, NAPLES, FL 34120-2598
Document Number	0060670158
Book / Page	6067 / 158
Map Reference	MB 7 PG 9
Instrument Date	Jan 4, 2021
Instrument	6185281
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	HEIGHTS TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$6,755.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	414 SE 6TH TER, 414, CAPE CORAL, FL 33990-1566

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	858 CYPRESS RUN DR, COLLIERVILLE, TN 38017-2158

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 13, 2019
Property Address	415 20TH AVE NE, NAPLES, FL 34120-2598
Document Number	0057053394
Book / Page	005705 / 003394
Instrument Date	Dec 12, 2019
Instrument	5803139
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	MLS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 20TH AVE NAPLES FL 34120, NAPLES, FL 34120

Mortgage

Document Number	57053396
Date	Dec 13, 2019
Book Page	005705/003396
Instrument	5803140

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.74%

Tax Assessment & Valuation

The 2025 property tax bill for 415 20th Ave NE was $12,364 with a homeowner's exemption, up 48.3% 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		$1,016,880 (-1.21%) Land $174,720 Building $842,160	$1,016,880 (-1.21%) Land $174,720 Building $842,160
2025	$12,364.00 (+48.34%) Homeowner's exemption	$1,029,314 Land $174,720 Building $854,594	$1,029,314 Land $174,720 Building $854,594
2024	$8,335.00 (-17.31%)
2023	$10,080.00 (+4.74%)	$782,013 (+1%)	$783,713 (+10.24%) Land $170,625 Building $613,088
2022	$9,624.00	$710,921 Land $134,726 Building $576,195	$710,921 Land $134,726 Building $576,195

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

Flood

FEMA maps place 415 20th Ave NE in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 160 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	160 in force
Nearby Flood Claims	3 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma
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 415 20th Ave NE is moderate, ranking above 48% 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 48% of the US · lower than 81% 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 61 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Streamline Internet.

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